Ford Ranger Insurance in Pennsylvania
Rates from $44 – $73/mo minimum coverage, $155 – $259/mo full coverage. Compare top PA carriers below.
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Updated June 2026 · Source: Pennsylvania DOI + IQ rate model
Average monthly premium — 2024 Ford Ranger, Pennsylvania
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 Pennsylvania
"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 Pennsylvania
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.
Pennsylvania is a choice no-fault state requiring 15/30/5 liability + $5,000 PIP. Drivers can pick limited tort (cheaper) or full tort (more expensive, preserves right to sue for pain/suffering). Philadelphia ZIPs see materially higher premiums than the state average.
Frequently asked questions
01How much is Ford Ranger insurance in Pennsylvania?
Pennsylvania drivers of a 2024 Ford Ranger pay about $155 – $259 per month for full coverage, or roughly $44 – $73 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. Pennsylvania law itself only requires the state liability minimums (15/30/5 plus $5,000 PIP), but the lender's contract overrides that.
03What's the cheapest carrier for a Ranger in Pennsylvania?
Cheapest varies by driver profile, but in Pennsylvania the major carriers most often quoting the lowest premiums for a Ranger are GEICO, Progressive, and State Farm. Regional carriers (Erie and Penn National) 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 Pennsylvania?
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. Pennsylvania's base rates apply the same way, but the vehicle-side modifier pushes the final premium up.
05Does Pennsylvania require SR-22 after a DUI for a Ranger?
After a DUI, Pennsylvania 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.