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Ford Ranger Insurance

Want to insure a Ford Ranger? Here's some things you should know

In 2019 the Ford Ranger was among the top 10 most stolen vehicles in Australia, so insuring your Ranger should be a priority. Don't just go with your regular insurer though, the amount of insurers these days is large and that means you can potentially get the same coverage and save money.

Keep reading to find out more about Ford Ranger car insurance costs and how you could save on your premiums.

Background of the Ford Ranger

The Ford Ranger name has been used on three distinct model lines since its creation, being used on and off since 1958, with the somewhat iconic pickup truck being sold for 29 years. The name has been used globally since 1998, so it’s no surprise that many people have at least encountered the name.

Comprehensive insurance options for a Ford Ranger

Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or market value
Budget Direct Comprehensive
Agreed or Market
Finder's summary: The 2023 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Youi Comprehensive
Agreed or Market
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Australia Post Comprehensive
Agreed or Market
Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

⭐ Current offer: Get $100 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

Who it might be good for: Multiple people using one car.
Bingle Comprehensive
Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
QBE Comprehensive
Green Company
QBE Comprehensive
Agreed or Market
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
Kogan Comprehensive
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you'll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

⭐ Current offer: Get $115 off first year premiums when you purchase Kogan Comprehensive Car Insurance online + $10 monthly credit. T&Cs apply.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
Qantas Comprehensive
Agreed or Market
Finder's summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct). .

⭐ Current offer: Earn up to 30,000 Qantas Points with every Qantas Car Insurance policy you take out by 7 February. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.

Which factors affect my Ford Ranger insurance rate?

There is a range of factors that could affect your insurance rate. These include:

  • Your age, marital status, job and where you live
  • The model and age of your car
  • Your car’s safety rating, security and any anti-theft precautions
  • Annual mileage
  • Your driving history and activity
  • The size of your car’s engine
  • No claims discount

How can I save on my Ford Ranger premiums?

We’ve got some advice that may help you to save money on your premiums. Our advice includes:

  • Pay annually rather than monthly. By paying annually, you could save.
  • Make yourself a secure investment. By keeping a good credit rating and clean history of no claims, you may be rewarded by your provider with lower premiums.
  • Be economical about your car usage. By walking or taking public transport, you can keep your mileage, and premiums, lower.
  • Don’t just accept your renewal quote. Renewal quotes aren’t always the cheapest option out there. When it’s time to renew your policy, make sure you shop around - and haggle.
  • Install extra safety precautions. Providers don’t like to insure risks, so by investing in some extra safety or security equipment, you may just find that your premiums get lower.
  • Avoid driving convictions. Convictions of any kind raise your premium rate, so do your best to avoid any.

Ford Ranger facts

  • The Ford Ranger was discontinued in the United States and Canada in 2011, but there are plans to resume sales there in 2019, with a new facelift expected to be revealed in 2019.
  • The original Ford Ranger pickup truck spanned just two generations.
  • The Ford Ranger was voted the 7th best pickup truck of 2018.

How safe is the Ford Ranger?

When tested by the crash-test experts at Euro NCAP in 2011, the Ford Ranger received a 5/5 safety rating and has upheld that rating. It scored 96% for its adult occupant safety and 86% for its child occupant safety. Its safety features also merited it a score of 71% for the safety assist category.

As standard, the Ford Ranger comes with an array of safety measures, designed specifically for the model. ESC, or electronic stability control, is there to keep your vehicle balanced, no matter the terrain. The trailer sway control will help prevent anything you’re towing from drifting and causing potential danger to you and the vehicles around you, whilst the roll stability control can intervene if there is a high rollover risk detected whilst you’re driving. In addition, it also has a traction control system and a tyre pressure monitoring system.

As previously mentioned, the safer you can make your vehicle, the lower your premiums may become. For optional safety extras available to the Ford Ranger, visit the Ford website or contact a Ford dealership.

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