Learn the cost of Ford Ranger insurance in South Africa, what affects your premium, which models are cheaper to insure, and how to get your final price fast.
The Ford Ranger is one of South Africa’s favourite bakkies, and for good reason. It’s tough enough for big jobs, smooth enough for school runs and made right here in Silverton, Pretoria. But how much does it actually cost to insure one? Let’s break it down.
What does a new Ford Ranger cost in South Africa?
Knowing what you’ll be paying for a Ford Ranger upfront helps put the monthly insurance spend into perspective. So here’s a look at the 2025 sticker prices for different trims.
How much does it cost to insure a Ford Ranger in South Africa?
Insuring a Ranger isn’t the same for everyone. Your premium depends on who you are, where you live and the type of Ranger you drive. But here’s a ballpark idea:
- Base models (like the XL single cab 2.2TDCi): R600 – R750 per month
- Mid-range double cabs (like the Hi-Rider 4x2): R750 – R1,000 a month
- High-spec 4x4s (Wildtrak, Platinum, Raptor): R1,000 – R2,500+ a month
Want your actual insurance premium? Use the Naked app or website, and you’ll get your final price in under 90 seconds – no “we’ll call you back.” Just a final, binding price.
Is the Ford Ranger expensive to insure?
Compared to smaller cars, yes, but it’s all relative. The Ranger’s value, size, and performance make it a pricier vehicle to replace or repair.
The good news is that the Ranger is built locally, which means parts are easy to find and repairs are quicker. That helps keep costs more manageable than with imported 4x4s.
What affects your Ranger’s insurance premium?
Here’s what insurers generally look at:
- Value and popularity: Good value with broad appeal; popularity sometimes correlates with higher theft risk, which could increase premiums.
- Trim and engine: A basic XL single cab typically costs less to insure than a fully loaded Raptor.
- Safety and tech: A factory alarm and an active tracker reduce theft risk and help bring costs down.
- Usage: A Ranger used mainly for weekend road trips is generally less risky than one used daily.
- Parking: Keeping the vehicle in a locked garage or secure complex usually results in a cheaper premium.
- Excess: A higher excess lowers the monthly premium but increases what you’ll pay if you claim.
Owning a Ford Ranger: the insurance pros and cons
Pros
- Versatile; works hard and doubles as a family car
- Holds value well when it’s time to sell
- Easy to service with Ford’s country-wide network
- Range of trims to match different budgets
Cons
- Fuel bills can be heavy for 4x4s and V6s
- Premiums are higher than for smaller cars
- Repairs on top trims can cost a lot
- A few older variants have had recall issues (worth checking before you buy)
How can you lower your Ford Ranger insurance premium?
- Fit a tracking device. Often required for bakkies like the Ranger.
- Use secure parking. Garages or gated complexes reduce theft risk.
- Pick your trim wisely. Simpler models cost less to insure.
- Adjust your excess. A higher excess means a lower monthly premium – just make sure you can afford it if you need to claim.
- Stay on top of servicing and recalls. Shows insurers your car is cared for.
- Be honest about usage. Commuting versus using your Ranger for work makes a difference.
How Naked makes insuring a Ford Ranger simpler
With Naked, you can sort out your Ranger’s insurance quickly and manage everything in the app.
- Get a quote in under 90 seconds.
- Buy instantly in the app.
- Generate bank-ready proof of insurance on the spot.
- Adjust your excess anytime.
- Pause accident cover when you’re not driving.
- Lodge and track claims hassle-free on the app.
FAQs about insuring the Ford Ranger in South Africa
How much is Ford Ranger insurance per month in South Africa?
Ford Ranger insurance usually falls between R900 and R2,500+ a month, depending on the model, trim and your own driving profile. Entry-level models like the XL single cab are at the lower end, while top trims such as the Wildtrak, Platinum or Raptor can push premiums into the R1,800–R2,500+ range. Things like where you live, where you park and your driving history also play a big role in the final figure.
Is Ranger insurance more expensive than for smaller cars?
Yes. The Ranger generally costs more to insure than hatchbacks like the VW Polo Vivo or Toyota Starlet. That’s because it’s higher-value vehicles with bigger engines, more tech and higher replacement costs. It’s also a common theft target in South Africa. The upside is that a bakkie is more versatile, tougher and tends to hold its value better than most smaller cars.
Which Ranger model is the cheapest to insure?
The entry-level trims are the cheapest to insure. The XL single cab or the Hi-Rider 4x2 double cab generally attract the lowest premiums because:
- They have fewer luxury extras.
- Their replacement costs are lower.
As you move up the range to Wildtrak, Platinum or Raptor, premiums rise thanks to higher retail values, performance upgrades and additional electronics, all of which make them costlier to repair or replace. If keeping your monthly premium low is a priority, a simpler trim with a good security setup is your best bet.
Is it cheaper to insure a Hilux or a Ranger?
They’re close, but Hilux premiums are often slightly lower. That’s partly because the Hilux tends to hold resale value exceptionally well and has a slightly different theft and claims risk.
The Ranger, especially newer high-end versions, can sometimes cost more to insure due to their higher tech specs and parts pricing.
If you’re torn between the two, it’s worth comparing side-by-side quotes for the exact trims you’re considering, a Hilux Raider vs Ranger XLT, because the car you choose can make one quote cheaper than the other.
Can recalls or mechanical issues affect premiums?
Not directly. A recall or known issue won’t automatically push your premium up. But if the recall issue has not been dealt with, it could affect a claim or even your ability to get cover in future. Keeping up with services, software updates and recall fixes shows insurers your bakkie is safe and roadworthy, which helps keep your cover valid and affordable.
Ready to cover your Ranger without the heavy lifting? Get your Naked comprehensive cover quote today and see your final premium in 90 seconds. Tap, quote and hit the road knowing your Ranger’s covered.