Ford Ranger Insurance in Montana
Rates from $40 – $66/mo minimum coverage, $155 – $259/mo full coverage. Compare top MT carriers below.
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Updated June 2026 · Source: Montana DOI + IQ rate model
Average monthly premium — 2024 Ford Ranger, Montana
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 Montana
"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 Montana
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.
Montana requires 25/50/20 liability minimums. Despite low population density, premiums sit near the national average due to long driving distances (more miles = more exposure) and limited carrier competition.
Frequently asked questions
01How much is Ford Ranger insurance in Montana?
Montana drivers of a 2024 Ford Ranger pay about $155 – $259 per month for full coverage, or roughly $40 – $66 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. Montana law itself only requires the state liability minimums (25/50/20), but the lender's contract overrides that.
03What's the cheapest carrier for a Ranger in Montana?
Cheapest varies by driver profile, but in Montana the major carriers most often quoting the lowest premiums for a Ranger are GEICO, Progressive, and State Farm. Regional carriers (Mountain West Farm Bureau and PEMCO) 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 Montana?
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. Montana's base rates apply the same way, but the vehicle-side modifier pushes the final premium up.
05Does Montana require SR-22 after a DUI for a Ranger?
After a DUI, Montana requires an SR-22 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 SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.