Ford Bronco Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Ford Bronco are $1,426 annually including full coverage. Comprehensive costs an estimated $296, collision insurance costs $640, and liability coverage is $354. A policy with only liability insurance costs around $406 a year, and a high-risk policy costs around $3,114. Teenage drivers pay the most at up to $5,252 a year.
Average premium for full coverage: $1,426
Premium estimates broken down by type of coverage:
Prices are based on $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Bronco models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford Bronco range from as cheap as $406 for just liability coverage to the much higher price of $3,114 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.
These rate differences highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using 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.
Detailed Rate Analysis
The chart below breaks down average Ford Bronco insurance rates for other coverage scenarios.
- The best discount rate is $797
- Raising to $1,000 deductibles will save approximately $212 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,426
- Using pricier low deductibles will cost $1,842
- Unlucky drivers who are prone to accidents and violations could pay up to $3,114
- An auto insurance policy with full coverage for a teenage driver for full coverage can cost as much as $5,252
Car insurance prices for a Ford Bronco also have a wide range based on the model of your Bronco, your driving characteristics, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $5,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $1,700 to $2,300 extra annually, depending on your age. Ford Bronco insurance for high-risk drivers is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $630 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Ford Bronco insurance rates. A middle-age driver might find prices as low as $1,090 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,030 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,288 | -$138 | -9.7% |
| Alaska | $1,094 | -$332 | -23.3% |
| Arizona | $1,182 | -$244 | -17.1% |
| Arkansas | $1,426 | -$0 | 0.0% |
| California | $1,624 | $198 | 13.9% |
| Colorado | $1,358 | -$68 | -4.8% |
| Connecticut | $1,464 | $38 | 2.7% |
| Delaware | $1,612 | $186 | 13.0% |
| Florida | $1,780 | $354 | 24.8% |
| Georgia | $1,316 | -$110 | -7.7% |
| Hawaii | $1,024 | -$402 | -28.2% |
| Idaho | $966 | -$460 | -32.3% |
| Illinois | $1,060 | -$366 | -25.7% |
| Indiana | $1,074 | -$352 | -24.7% |
| Iowa | $960 | -$466 | -32.7% |
| Kansas | $1,354 | -$72 | -5.0% |
| Kentucky | $1,942 | $516 | 36.2% |
| Louisiana | $2,108 | $682 | 47.8% |
| Maine | $878 | -$548 | -38.4% |
| Maryland | $1,176 | -$250 | -17.5% |
| Massachusetts | $1,136 | -$290 | -20.3% |
| Michigan | $2,472 | $1,046 | 73.4% |
| Minnesota | $1,194 | -$232 | -16.3% |
| Mississippi | $1,706 | $280 | 19.6% |
| Missouri | $1,266 | -$160 | -11.2% |
| Montana | $1,530 | $104 | 7.3% |
| Nebraska | $1,122 | -$304 | -21.3% |
| Nevada | $1,708 | $282 | 19.8% |
| New Hampshire | $1,026 | -$400 | -28.1% |
| New Jersey | $1,594 | $168 | 11.8% |
| New Mexico | $1,260 | -$166 | -11.6% |
| New York | $1,500 | $74 | 5.2% |
| North Carolina | $820 | -$606 | -42.5% |
| North Dakota | $1,168 | -$258 | -18.1% |
| Ohio | $982 | -$444 | -31.1% |
| Oklahoma | $1,460 | $34 | 2.4% |
| Oregon | $1,306 | -$120 | -8.4% |
| Pennsylvania | $1,358 | -$68 | -4.8% |
| Rhode Island | $1,900 | $474 | 33.2% |
| South Carolina | $1,292 | -$134 | -9.4% |
| South Dakota | $1,202 | -$224 | -15.7% |
| Tennessee | $1,248 | -$178 | -12.5% |
| Texas | $1,716 | $290 | 20.3% |
| Utah | $1,056 | -$370 | -25.9% |
| Vermont | $974 | -$452 | -31.7% |
| Virginia | $854 | -$572 | -40.1% |
| Washington | $1,100 | -$326 | -22.9% |
| West Virginia | $1,306 | -$120 | -8.4% |
| Wisconsin | $984 | -$442 | -31.0% |
| Wyoming | $1,268 | -$158 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Bronco | $336 | $688 | $316 | $1,476 |
| 2023 Ford Bronco | $320 | $660 | $332 | $1,448 |
| 2022 Ford Bronco | $306 | $656 | $338 | $1,436 |
| 2021 Ford Bronco | $296 | $640 | $354 | $1,426 |
| 2020 Ford Bronco | $286 | $612 | $364 | $1,398 |
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 Buy Affordable Ford Bronco Insurance
Finding better rates on auto insurance consists of not taking risks behind the wheel, having a good credit score, refrain from filing small claims, and possibly higher deductibles. Take the time to compare rates every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.
The following is a brief review of the material that was covered in the above illustrations.
- Consumers who want higher liability limits will pay an extra $390 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Teens have the highest car insurance prices, with the cost nearing $438 per month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,690 more annually for Bronco insurance
- Increasing policy deductibles could save up to $625 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,252 |
| 20 | $3,332 |
| 30 | $1,498 |
| 40 | $1,426 |
| 50 | $1,302 |
| 60 | $1,278 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,842 |
| $250 | $1,648 |
| $500 | $1,426 |
| $1,000 | $1,214 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,426 |
| 50/100 | $1,497 |
| 100/300 | $1,585 |
| 250/500 | $1,815 |
| 100 CSL | $1,532 |
| 300 CSL | $1,727 |
| 500 CSL | $1,869 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,540 |
| 20 | $5,310 |
| 30 | $3,194 |
| 40 | $3,114 |
| 50 | $2,970 |
| 60 | $2,946 |
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 | $77 |
| Multi-vehicle | $76 |
| Homeowner | $20 |
| 5-yr Accident Free | $113 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $71 |
| Advance Quote | $75 |
| Online Quote | $103 |
| Total Discounts | $629 |
Discounts are estimated and may not be available from every company or in every state.
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