How much is insurance on a Ford Ranger?

Priced for the 2024 Ranger 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Ranger's rank is the same in every state.

Why the Ford Ranger costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Ford Ranger crew cab, on HLDI's scale where 100 is an average car and lower is better, it reports 72 for crash repairs.

• Crash repairs (collision)fixing this car after a crashBetter than average28% better than average3rd best of the 9 small pickups we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesInsufficient dataNo result from HLDI for this model
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultInsufficient dataNo result from HLDI for this model
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costInsufficient dataNo result from HLDI for this model

HLDI doesn't publish a result for non-crash damage, damage to others' property, and injuries to others on this model, so they're marked “Insufficient data”.

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. HLDI publishes crash repairs but not non-crash damage for the Ranger, so we go by that one result: about 28% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 12% less than average: about $840 a year vs $950. On the liability side, HLDI doesn't publish results for the Ranger, so we use its average for this kind of car: about 5% worse than average. We count about half, so that part is about 3% more: $1,020 a year vs $990.

How the math works

In EPA size classes, the Ranger is a full-size pickup (gas-powered). In Highway Loss Data Institute loss tables, the Ford Ranger is benchmarked against small pickups.

Matched to HLDI series “Ford Ranger crew cab” (HLDI, 2022–24 models).

A used Ford Ranger, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Ranger 2WD (0–3 years old)	about $1,860	about $1,020	+$1,220	about $5,320
2022 Ranger 2WD (4–7 years old)	about $1,750	about $1,020	+$1,160	about $5,030
2009 Ranger Pickup 2WD (13 or more years old)	about $1,520	about $1,010	+$1,000	about $4,360

Our catalog covers the Ford Ranger across model years 2006–2011, 2019–2026. Full coverage on a used 2009 Ranger (13 or more years old) runs about $1,520 a year, $330 less than on a 2024. Dropping collision and comprehensive on that 2009 brings liability-only coverage to about $1,010 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Ford Ranger trims, full coverage goes from about $1,700 a year on the Ranger 4WD to about $1,860 on the Ranger 2WD, because HLDI's loss results differ by body, drive, or powertrain.

• Ranger 4WD; Ranger RAPTOR 4WD: about $1,700
• Ranger 2WD: about $1,860

On a policy of their own with a 2024 Ford Ranger, a 22–25-year-old pays about $2,410 a year ($560 more than a 45-year-old), a 26–39-year-old about $2,060, and a driver 65 and older about $1,950.

Adding a 16-year-old with a Ford Ranger

Adding a new 16-year-old who drives the Ford Ranger raises the family bill by about $1,220 a year ($100 a month), $60 less than adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,320 a year, so keeping them on the family policy saves about $4,100 a year.

For adding a teen driver, the Ford Ranger ranks 45th cheapest out of all 121 models we track. Stepping down to a used 2009 Ranger (13 or more years old) brings the teen add-on to about $1,000 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small pickups

Among these 9 small pickups, the Ford Ranger is the 4th least expensive to insure. Right next to it are the Toyota Tacoma (about $1,850 a year) and the Nissan Frontier (about $1,870).

• 2024 Honda Ridgelineabout $1,780 ($80 less)
• 2024 Ford Maverickabout $1,810 (about the same)
• 2024 Toyota Tacomaabout $1,850 (about the same)
• 2024 Ford Rangerabout $1,860 (this car)
• 2024 Nissan Frontierabout $1,870 (about the same)
• 2024 Chevrolet Coloradoabout $1,870 (about the same)
• 2024 Hyundai Santa Cruzabout $1,890 (about the same)
• 2024 GMC Canyonabout $1,920 ($70 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Ford Ranger costs in your state

In six sample states, a 2024 Ford Ranger runs from about $1,190 a year in Maine through Nebraska, Oregon, Massachusetts and Colorado to about $2,230 in Texas:

• Maineabout $1,190/yr · +$790 teen
• Nebraskaabout $1,530/yr · +$1,010 teen
• Oregonabout $1,630/yr · +$1,080 teen
• Massachusettsabout $1,820/yr · +$1,200 teen
• Coloradoabout $2,130/yr · +$1,410 teen
• Texasabout $2,230/yr · +$1,470 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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