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 an estimated $286, collision costs $612, and liability coverage costs $364. A policy with only liability insurance costs as little as $416 a year, with a high-risk policy costing $3,058 or more. Teens pay the most at $5,184 a year or more.

Average premium for full coverage: $1,398

Premium estimates broken down by type of coverage:

Comprehensive $286
Collision $612
Liability $364

These estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different Bronco trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Ford Bronco go from the low end price of $416 for just liability coverage to a much higher rate of $3,058 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Your location has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on insurance prices.

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

These rate differences illustrate why anyone shopping for car insurance should compare rates for a targeted area, 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.

Detailed Rate Analysis

The chart below illustrates estimated Ford Bronco insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $783
  • Drivers who choose higher $1,000 deductibles will pay approximately $202 each year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,398
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $402 each year
  • High-risk insureds with serious driving violations could pay up to $3,058 or more
  • An auto insurance policy that insures a teenage driver with full coverage can cost as much as $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

Car insurance prices for a Ford Bronco also have a wide range based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can cost around 44% to 135% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $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 be charged at least $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 North Carolina, Wisconsin, and Vermont, or have to pay at least $1,890 on average in Florida, New York, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $610 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Every company calculates prices differently, so rate quotes 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 Cheap Ford Bronco Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Compare rates once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The next list is a brief summary of the data that was covered in the above illustrations.

  • It is possible to save approximately $170 per year simply by shopping early and online
  • Consumers who want increased levels of liability coverage will pay approximately $400 annually to go from 30/60 bodily injury limits to the 250/500 level
  • Drivers age 20 and younger have the highest car insurance prices, with premiums being up to $432 per month if full coverage is purchased
  • Drivers that tend to have accidents or serious violations may have to pay on average $1,660 more annually to buy Ford Bronco insurance

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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