Ford Ranger Insurance

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

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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
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs.

⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

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

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. You don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value.

⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who'd like to earn Qantas Points.
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
Huddle Black Comprehensive
Agreed or Market
Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover.

Who it might be good for: Someone who wants a 24/7 claims processing.
PD Comprehensive
Optional
Agreed
Finder's summary: PD comprehensive car insurance policy lets you buy, manage, and start your claims process online. It includes cover for emergency repairs up to $500 and free windscreen chip repair. Ability to customise your extras cover.

⭐ Current offer: New policyholders can enjoy 15% off on their first year's premium. T&Cs apply.

Who it might be good for: Those with low claims history and the only driver.
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2021 award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement.

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

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
ahm Comprehensive
Optional
Both
Finder's summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums. Its Fixed Kilometre Plan can save you up to 30% compared to its standard comprehensive cover.

⭐ Current offer: Get up to 15% off when you purchase a new car insurance policy. T&Cs apply.

Who it might be good for: People who drive less than 15,000 km per year.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

⭐ Current offer: Get $75 off your first year’s premium when you buy online. T&Cs apply.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
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Compare up to 4 providers

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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