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...
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Ford Bronco are $1,398 annually for full coverage. Comprehensive costs on average $286, collision costs $612, and liability costs $364. Liability-only insurance costs as little as $416 a year, with high-risk driver insurance costing around $3,058. Teens cost the most to insure at $5,184 a year or more.
Average premium for full coverage: $1,398
Policy rates by type of insurance:
Price estimates include $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Bronco models.
Price Range Variability
Using a middle-aged driver as an example, Ford Bronco insurance rates go from as cheap as $416 for minimum levels of liability insurance to the much higher price of $3,058 for high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion.
The example below illustrates how where you live affects car insurance rates.
The examples above show why everyone should compare rates based on a specific location and their own personal driving habits, instead of 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.
Additional Rate Details
The chart below shows estimated Ford Bronco insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $783
- Drivers who choose higher $1,000 deductibles will pay around $202 a year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,398
- Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,800
- Higher-risk drivers with serious driving violations could pay upwards of $3,058 or more
- Policy cost with full coverage for a teen driver for full coverage may cost $5,184 a year
Auto insurance rates for a Ford Bronco also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. Ford Bronco insurance for high-risk drivers can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $610 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Ford Bronco insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,000 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company calculates rates differently, and quoted rates will be varied between companies.
| 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 Cheaper Ford Bronco Insurance
Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The following is a condensed summary of the material that was touched on in the above illustrations.
- Policyholders who require higher liability limits will pay approximately $400 each year to go from a 30/60 limit to higher 250/500 limits
- Teens are charged the highest rates, costing up to $432 each month if full coverage is included
- Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,660 more each year for Bronco insurance
- Increasing comprehensive and collision deductibles could save up to $600 each year
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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