Ford Bronco Insurance Rates

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UPDATED: Mar 28, 2024

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

Average premium for full coverage: $1,398

Price estimates for individual coverage:

Comprehensive $286
Collision $612
Liability $364

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different Bronco trim levels.

Price Range from Low to High

For a 40-year-old driver, Ford Bronco insurance prices go from the low end price of $416 for minimum levels of liability insurance to a much higher rate of $3,058 for coverage for higher-risk drivers.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance rates.

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

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, 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.

Additional Rate Details

The chart below details estimated Ford Bronco insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $783
  • Raising to $1,000 deductibles will save about $202 annually
  • The estimated price for the average middle-age driver using $500 deductibles is $1,398
  • Using more expensive low deductibles bumps up the cost to $1,800
  • Higher-risk drivers who are prone to accidents and violations could pay at least $3,058 or more
  • The price that insures a teen driver with full coverage can be $5,184

View Chart as Image

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

Insurance prices for a Ford Bronco are also quite variable based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,100 a year. View Rates by Age

The state you live in also has a big influence on Ford Bronco insurance rates. A middle-age driver might find prices as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,890 on average in Florida, Michigan, 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

Using high physical damage deductibles can reduce prices by up to $610 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $327 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices may be quite 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 More Affordable Ford Bronco Insurance

Getting lower rates on Ford Bronco insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at least once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a summary of the primary concepts that were illustrated above.

  • You may be able to save up to $170 per year simply by shopping early and online
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,660 more every year for car insurance
  • Increasing physical damage deductibles can save approximately $600 each year
  • Teenagers are charged the highest prices, costing up to $432 a month if comprehensive and collision insurance is included

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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