Ford Bronco Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Ford Bronco are $1,398 every 12 months for full coverage insurance. Comprehensive insurance costs on average $286, collision costs $612, and liability coverage is estimated at $364. Buying just liability costs approximately $416 a year, with insurance for high-risk drivers costing $3,058 or more. Teens pay the highest rates at $5,184 a year or more.
Average premium for full coverage: $1,398
Price estimates by individual coverage:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all Bronco models.
Price Range from Low to High
For the average driver, Ford Bronco insurance prices go from the cheapest price of $416 for a discount liability-only rate to the much higher price of $3,058 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than cities with more traffic congestion.
The example below illustrates how location impacts car insurance rates.
The ranges above illustrate why everyone should get quotes based on a specific location and their own driving history, rather than using averaged prices.
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 cheapest rate after discounts is $783
- Choosing higher $1,000 deductibles can save around $202 each year
- The average price for the average middle-age driver with $500 deductibles is $1,398
- Selecting pricier low deductibles for comp and collision coverage costs an extra $402 each year
- Drivers with serious driving violations could pay upwards of $3,058 or more
- The price to insure a teenage driver for full coverage may cost $5,184 each year
Insurance prices for a Ford Bronco are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Bronco.
Choosing higher comprehensive and collision insurance deductibles can save as much as $610 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $327 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 additional each year, depending on your age. Ford Bronco insurance for high-risk drivers ranges around 44% to 135% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Ford Bronco insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,890 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer calculates prices differently, and prices may be quite different.
| 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 Shop for More Affordable Ford Bronco Insurance
Getting lower rates on auto insurance takes having a good driving record, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a summary of the car insurance concepts touched on above.
- Drivers who have multiple accidents or major violations pay on average $1,660 more each year to buy Ford Bronco insurance
- It is possible to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $600 each year
- Consumers who require increased levels of liability coverage will pay approximately $400 annually to raise limits from a low limit to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,800 |
| $250 | $1,612 |
| $500 | $1,398 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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