Ford Ranger Insurance in Michigan (2026)
Quick Answer
Full coverage for a 2024 Ford Ranger in Michigan costs $264/month ($3,162/year). Safety rating: 4/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
Ford Ranger Rates by Company in Michigan
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $195/mo | $2,340/yr | Military families |
| Erie Insurance | $208/mo | $2,498/yr | Rate lock guarantee |
| GEICO | $216/mo | $2,593/yr | Clean driving record |
| Progressive | $232/mo | $2,783/yr | Telematics savings |
| State Farm | $240/mo | $2,877/yr | Good students |
| Travelers | $250/mo | $3,004/yr | Multiple discounts |
| Nationwide | $274/mo | $3,288/yr | Bundling home + auto |
| Farmers | $285/mo | $3,415/yr | Signal telematics |
| Allstate | $295/mo | $3,541/yr | Accident forgiveness |
| Liberty Mutual | $311/mo | $3,731/yr | New car replacement |
USAACheapest
Monthly
$195/mo
Annual
$2,340/yr
Best for: Military families
Erie Insurance
Monthly
$208/mo
Annual
$2,498/yr
Best for: Rate lock guarantee
GEICO
Monthly
$216/mo
Annual
$2,593/yr
Best for: Clean driving record
Progressive
Monthly
$232/mo
Annual
$2,783/yr
Best for: Telematics savings
State Farm
Monthly
$240/mo
Annual
$2,877/yr
Best for: Good students
Travelers
Monthly
$250/mo
Annual
$3,004/yr
Best for: Multiple discounts
Nationwide
Monthly
$274/mo
Annual
$3,288/yr
Best for: Bundling home + auto
Farmers
Monthly
$285/mo
Annual
$3,415/yr
Best for: Signal telematics
Allstate
Monthly
$295/mo
Annual
$3,541/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$311/mo
Annual
$3,731/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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Ford Ranger Insurance by Age in Michigan
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $932/mo | $11,185/yr |
| 19 years old | $564/mo | $6,764/yr |
| 21 years old | $449/mo | $5,388/yr |
| 25 years old | $295/mo | $3,543/yr |
| 30 years old | $244/mo | $2,928/yr |
| 40 years old | $229/mo | $2,752/yr |
| 50 years old | $222/mo | $2,664/yr |
| 65 years old | $242/mo | $2,899/yr |