Ford Ranger Insurance in Florida
Rates from $72 – $120/mo minimum coverage, $219 – $365/mo full coverage. Compare top FL carriers below.
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Updated June 2026 · Source: Florida DOI + IQ rate model
Average monthly premium — 2024 Ford Ranger, Florida
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Ford Ranger drivers in Florida
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Ford Ranger insurance costs what it does in Florida
Keeps liability premiums near the baseline for this class.
No theft-rank surcharge on comprehensive premium.
Parts cost and claim severity sit near the national average.
Florida is a no-fault state requiring $10,000 in Personal Injury Protection (PIP) on every policy, which raises the floor on minimum-coverage premiums. Layer in hurricane catastrophic exposure and one of the highest litigation rates in the US, and Florida sits near the top of the cost rankings nationwide. Recent legal reform (HB 837, 2023) is starting to bend the curve but premiums remain elevated.
Frequently asked questions
01How much is Ford Ranger insurance in Florida?
Florida drivers of a 2024 Ford Ranger pay about $219 – $365 per month for full coverage, or roughly $72 – $120 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Ranger?
Yes. If your Ranger has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Florida law itself only requires the state liability minimums (10/20/10 plus $10,000 PIP), but the lender's contract overrides that.
03What's the cheapest carrier for a Ranger in Florida?
Cheapest varies by driver profile, but in Florida the major carriers most often quoting the lowest premiums for a Ranger are GEICO, Progressive, and State Farm. Regional carriers (Frontline, Kemper, and Mercury) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Is insurance more expensive for a truck like the Ranger in Florida?
Slightly. Trucks like the Ranger typically carry 8-15% higher full-coverage premiums than mainstream sedans because of higher repair costs and higher claim severity in collisions. Florida's base rates apply the same way, but the vehicle-side modifier pushes the final premium up.
05Does Florida require SR-22 after a DUI for a Ranger?
After a DUI, Florida requires an FR-44 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Ranger typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new FR-44s — Progressive, Travelers, and The General are the most common FR-44 writers.