Ford Bronco Insurance Rates

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2020 Ford Bronco Insurance Cost in 2025

Are you at wits end from being strong-armed each month for insurance? You are in the same boat as the majority of other drivers. Since you have so many choices of insurance companies, it is very difficult to pick the most cost effective insurance company. Pricing affordable insurance coverage is simple if you know the tricks. In a nutshell, everyone who carries insurance coverage most likely will ...

Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 28, 2024

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U.S. average auto insurance rates for a Ford Bronco are $1,398 annually for full coverage. Comprehensive insurance costs on average $286, collision costs $612, and liability coverage is estimated at $364. Liability-only insurance costs approximately $416 a year, with high-risk driver insurance costing $3,058 or more. Teenage drivers pay the highest rates at $5,184 a year or more.

Average premium for full coverage: $1,398

Price estimates by individual coverage:

Comprehensive $286
Collision $612
Liability $364

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all Bronco models.

Price Range from Low to High

For a 40-year-old driver, Ford Bronco insurance prices go from as cheap as $416 for your basic liability-only policy to the much higher price of $3,058 for a driver that may need high-risk insurance.

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

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have fewer accident claims than densely populated cities.

The example below illustrates how your location can change car insurance rates.

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

The ranges above show why everyone should get quotes based on a specific location 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.

More Rate Information

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

  • The best discount rate is $783
  • Choosing higher $1,000 deductibles can save around $202 a year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,398
  • Using pricier low deductibles for comp and collision coverage costs an additional $402 each year
  • Drivers who are prone to accidents and violations could pay upwards of $3,058 or more
  • The price with full coverage for a teenage driver for full coverage may cost $5,184 each 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 are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 extra each year, depending on your age. Ford Bronco insurance for high-risk drivers ranges around 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $610 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

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 $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,000 on average in Michigan, Louisiana, and New York.

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

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy the Cheapest Ford Bronco Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a recap of the data that was illustrated above.

  • Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
  • Consumers who require higher liability limits will pay an extra $400 each year to raise limits from a low limit to higher 250/500 limits
  • Teenagers are expensive to insure, with premiums as much as $432 a month if comprehensive and collision insurance is included
  • Drivers that have major violations or accidents may be required to pay an average of $1,660 more each year for car 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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