Ford Bronco Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Ford Bronco are $1,398 a year for full coverage insurance. Comprehensive insurance costs on average $286 a year, collision costs $612, and liability insurance costs $364. A liability-only policy costs as little as $416 a year, with high-risk insurance costing $3,058 or more. Teenage drivers pay the most at $5,184 a year or more.

Average premium for full coverage: $1,398

Premium estimates by type of coverage:

Comprehensive $286
Collision $612
Liability $364

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Bronco trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Ford Bronco go from the low end price of $416 for a discount liability-only rate to a high of $3,058 for a driver who requires high-risk insurance.

Liability Only $416
Full Coverage $1,398
High Risk $3,058

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

Rural Areas $1,049
Small Cities $1,468
Large Cities $1,887

These rate differences illustrate why it is important to compare rates based on a specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below illustrates estimated Ford Bronco insurance rates for different risk profiles and scenarios.

  • The best discount rate is $783
  • Drivers who choose higher $1,000 deductibles will pay around $1,196 each year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,398
  • Using low $100 deductibles for comprehensive and collision insurance will cost an additional $402 a year
  • High risk drivers who are prone to accidents and violations could pay upwards of $3,058 or more
  • An auto insurance policy that insures a teen driver may cost $5,184 a year

View Chart as Image

Ford Bronco insurance cost comparison chart
Column chart showing full coverage Ford Bronco insurance prices range from $783 to $5,184

Auto insurance prices for a Ford Bronco also have a wide range based on the trim level of your Bronco, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $5,100 a year. View Rates by Age

Where you choose to live makes a big difference in Ford Bronco insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,890 on average in Michigan, New York, and Florida.

Ford Bronco Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,264 -$134 -9.6%
Alaska $1,074 -$324 -23.2%
Arizona $1,160 -$238 -17.0%
Arkansas $1,398 -$0 0.0%
California $1,594 $196 14.0%
Colorado $1,336 -$62 -4.4%
Connecticut $1,436 $38 2.7%
Delaware $1,582 $184 13.2%
Florida $1,748 $350 25.0%
Georgia $1,294 -$104 -7.4%
Hawaii $1,006 -$392 -28.0%
Idaho $950 -$448 -32.0%
Illinois $1,042 -$356 -25.5%
Indiana $1,056 -$342 -24.5%
Iowa $944 -$454 -32.5%
Kansas $1,328 -$70 -5.0%
Kentucky $1,908 $510 36.5%
Louisiana $2,072 $674 48.2%
Maine $864 -$534 -38.2%
Maryland $1,156 -$242 -17.3%
Massachusetts $1,116 -$282 -20.2%
Michigan $2,428 $1,030 73.7%
Minnesota $1,174 -$224 -16.0%
Mississippi $1,676 $278 19.9%
Missouri $1,242 -$156 -11.2%
Montana $1,502 $104 7.4%
Nebraska $1,102 -$296 -21.2%
Nevada $1,676 $278 19.9%
New Hampshire $1,008 -$390 -27.9%
New Jersey $1,564 $166 11.9%
New Mexico $1,238 -$160 -11.4%
New York $1,472 $74 5.3%
North Carolina $804 -$594 -42.5%
North Dakota $1,146 -$252 -18.0%
Ohio $964 -$434 -31.0%
Oklahoma $1,434 $36 2.6%
Oregon $1,282 -$116 -8.3%
Pennsylvania $1,332 -$66 -4.7%
Rhode Island $1,866 $468 33.5%
South Carolina $1,268 -$130 -9.3%
South Dakota $1,182 -$216 -15.5%
Tennessee $1,224 -$174 -12.4%
Texas $1,686 $288 20.6%
Utah $1,036 -$362 -25.9%
Vermont $956 -$442 -31.6%
Virginia $838 -$560 -40.1%
Washington $1,080 -$318 -22.7%
West Virginia $1,282 -$116 -8.3%
Wisconsin $966 -$432 -30.9%
Wyoming $1,244 -$154 -11.0%

View Chart as Image

Ford Bronco insurance rates by U.S. city

Using high physical damage deductibles could save up to $610 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices will be substantially different.

Ford Bronco Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Ford Bronco $320 $660 $332 $1,448
2023 Ford Bronco $306 $656 $338 $1,436
2022 Ford Bronco $296 $640 $354 $1,426
2021 Ford Bronco $286 $612 $364 $1,398
2020 Ford Bronco $270 $592 $376 $1,374

Rates are averaged for all Ford Bronco models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Ford Bronco Insurance

Finding better rates on Ford Bronco insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices at every other renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a condensed summary of the concepts that were covered in the charts and tables above.

  • High-risk drivers with multiple at-fault accidents may pay on average $1,660 more each year for car insurance
  • Teenagers are charged the highest prices, with premiums being up to $432 per month if the policy includes full coverage
  • It is possible to save as much as $170 per year simply by quoting early and online
  • Increasing policy deductibles can save approximately $600 each year
  • It is possible to save as much as $170 per year simply by quoting early and online

Rates by Driver Age

Ford Bronco Insurance Rates by Driver Age
Driver Age Premium
16 $5,184
20 $3,270
30 $1,466
40 $1,398
50 $1,280
60 $1,258

Full coverage, $500 deductibles

Rates by Deductible

Ford Bronco Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,800
$250 $1,612
$500 $1,398
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Ford Bronco Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,398
50/100 $1,471
100/300 $1,562
250/500 $1,798
100 CSL $1,507
300 CSL $1,707
500 CSL $1,853

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Bronco Insurance Rates for High Risk Drivers
Age Premium
16 $7,438
20 $5,212
30 $3,132
40 $3,058
50 $2,918
60 $2,894

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $203

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $76
Multi-vehicle $75
Homeowner $20
5-yr Accident Free $110
5-yr Claim Free $92
Paid in Full/EFT $68
Advance Quote $73
Online Quote $101
Total Discounts $615
Rate after discounts $783

Discounts are estimated and may not be available from every company or in every state.

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