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 $1,426 a year for full coverage. Comprehensive costs on average $296, collision insurance costs $640, and liability insurance is $354. Liability-only insurance costs around $406 a year, and high-risk driver insurance costs around $3,114. 16-year-old drivers pay the highest rates at up to $5,252 a year.
Average premium for full coverage: $1,426
Price estimates by individual coverage:
These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all Bronco models.
Price Range from Low to High
For the average driver, Ford Bronco insurance prices range from as low as $406 for just liability coverage to the much higher price of $3,114 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities. The example below illustrates how location impacts car insurance rates.
The ranges above show why everyone should compare rates quotes based on a specific location and risk profile, rather than relying on rate averages.
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 shows average Ford Bronco insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $797
- Raising to $1,000 deductibles will save around $212 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,426
- Buying pricier low deductibles will increase the cost to $1,842
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,114
- The price for full coverage for a teen driver for full coverage may cost $5,252
Car insurance prices for a Ford Bronco are also quite variable based on your driving record, the trim level of your Bronco, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $5,200 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 $940 a year in states like Idaho, Maine, and Iowa, or at least $2,030 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $630 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause 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 is expensive and can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
| 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 Find Cheap Ford Bronco Insurance
Getting lower rates on Ford Bronco insurance consists of being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around every couple of years by requesting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.
Below you'll find a brief summary of the material that was touched on above.
- Drivers who require more liability protection will pay around $390 each year to raise from a low limit to 250/500 limits
- Youthful drivers are expensive to insure, with premiums as much as $438 a month if full coverage is included
- High-risk drivers that tend to have accidents or serious violations will pay on average $1,690 more each year than a low-risk driver
- Increasing physical damage deductibles can save around $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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