Top-selling bakkie. Former Car of the Year. Top theft target. Here's what insurers charge — and how to fight back.
Compare Ranger quotes →| Variant | Year | Est. monthly premium |
|---|---|---|
| Ranger Raptor (V6 / 2.0 Bi-Turbo) | 2022–2026 | R1,800 — R2,500*estimate |
| Ranger 3.0 V6 Wildtrak / Sport | 2022–2026 | R1,500 — R2,200*estimate |
| Ranger 2.0 Bi-Turbo 4x4 | 2019–2022 | R1,200 — R1,900*estimate |
| Ranger 2.2 TDCI 4x4 XLT / XLS | 2016–2019 | R950 — R1,600*estimate |
| Ranger 2.2 TDCI 4x2 XL / XLS | 2016–2019 | R800 — R1,300*estimate |
Estimates based on a Ford Ranger at trade value R500,000. Low-risk driver profile. Comprehensive cover.
| Insurer | Comprehensive | TPFT | Third Party |
|---|---|---|---|
|
Pineapple
Lowest
|
R848/mo*estimate | R424/mo*estimate | R170/mo*estimate |
| R1,102/mo*estimate | R551/mo*estimate | R220/mo*estimate | |
|
Momentum Insure
|
R1,314/mo*estimate | R657/mo*estimate | R263/mo*estimate |
| R1,425/mo*estimate | R713/mo*estimate | R285/mo*estimate | |
| R1,600/mo*estimate | R800/mo*estimate | R320/mo*estimate | |
| R1,750/mo*estimate | R875/mo*estimate | R350/mo*estimate | |
| R1,750/mo*estimate | R875/mo*estimate | R350/mo*estimate |
*estimate = modelled from real advert and quote data, scaled to this vehicle's value for a low-risk driver. Actual premiums depend on your age, address, claims history, and vehicle condition. TPFT and third party figures are approximate.
These are actual monthly premiums published by the insurers themselves, recorded from their own adverts and direct quotes. They are not modelled, calculated or estimated figures. Each one applies to the specific vehicle and driver listed.
| Insurer | Vehicle | Driver | Actual premium |
|---|---|---|---|
| OUTsurance | 2017 Ranger | Not stated | R543*actual advertised price |
| OUTsurance | 2021 Ranger 2.0 | Male, age 69 | R856*actual advertised price |
| Prime Meridian | 2017 Ranger | Not stated | R973*actual advertised price |
| King Price | 2018 Ranger 3.2 TDCI XLT D/C | Not stated | R1,104*actual advertised price |
| Prime Meridian | 2018 Ranger 3.2 TDCI XLT D/C | Not stated | R1,704*actual advertised price |
*actual advertised price = a real premium the insurer published in its own advertising. *actual quoted price = a real premium an insurer gave a specific driver. Neither is an estimate. Your own premium will differ with your age, address, claims history and cover.
Insurance covers accidents and theft. An extended warranty covers engine, gearbox, and electrical failures when your manufacturer warranty expires. Get both and you're fully covered.
The Ranger Double Cab 4x4 took the 2023 South African Car of the Year title, capping the next-generation Ranger's launch year. What this means for insurance: award-winning bakkies hold their value, and the Ranger's strong residuals mean higher agreed values — which raises the sum insured and therefore the premium. It also keeps the model near the top of SA's most-stolen list. Neither is a reason to avoid the Ranger, but both are reasons to fit a tracker and shop the quote around rather than accepting the first number.
The Ford Ranger is South Africa's best-selling bakkie alongside the Toyota Hilux. High sales volume and strong resale value make it a prime target for vehicle theft syndicates. SAPS annual vehicle crime reports consistently list the Ranger among the top stolen vehicles in the country.
Ford's newer platform (Next-Gen Ranger from 2022) uses sophisticated electronics and a higher retail price point. Repair costs on the 3.0 V6 and Raptor variants are substantial, and insurers price accordingly.
Ranger Raptor — highest premium in the range. Performance-oriented, high retail price, expensive to repair, and attractive to thieves. Tracker is often a mandatory cover condition.
3.0 V6 Wildtrak / Sport — new-generation top-seller. Premium pricing reflects the newer electronics and higher parts cost of the V6 platform.
2.0 Bi-Turbo — the previous generation flagship. Still high value but depreciation has reduced insured value on older units, helping to keep premiums more manageable.
2.2 TDCI models — older, lower retail value, and the most affordable Rangers to insure. Widely used for fleet and farming applications where commercial use loading applies.
If your Ranger is used for business travel, trade work, or carrying goods commercially, it must be insured for business use. A private-use policy that excludes commercial use can void a claim entirely. If the vehicle is genuinely private use only, declaring this clearly can save R200–R400/month.