Ford Bronco Sport Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a Ford Bronco Sport are $1,348 every 12 months for full coverage insurance. Comprehensive costs approximately $256, collision costs $536, and liability is $398. Buying just liability costs around $460 a year, with insurance for high-risk drivers costing around $2,942. 16-year-old drivers cost the most to insure at $5,118 a year or more.
Average premium for full coverage: $1,348
Policy rates by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Bronco Sport trim levels.
Price Range Variability
Using a middle-aged driver as an example, Ford Bronco Sport insurance rates go from the cheapest price of $460 for just the minimum liability insurance to a much higher rate of $2,942 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities.
The price range example below illustrates how where you live affects auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of making a decision based 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.
Additional Rate Analysis
The chart below illustrates estimated Ford Bronco Sport insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $770
- Raising to $1,000 deductibles will save $178 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,348
- Buying more expensive low deductibles increases the price to $1,702
- Drivers with multiple tickets or accidents could pay around $2,942 or more
- Policy cost to insure a 16-year-old driver with full coverage can cost $5,118
Insurance rates for a Ford Bronco Sport also range considerably based on liability limits and deductibles, your risk profile, and the model of your Bronco Sport.
Opting for high physical damage deductibles can reduce rates by up to $540 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Ford Bronco Sport insurance prices. A middle-age driver might find rates as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,820 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,220 | -$128 | -9.5% |
| Alaska | $1,036 | -$312 | -23.1% |
| Arizona | $1,120 | -$228 | -16.9% |
| Arkansas | $1,348 | -$0 | 0.0% |
| California | $1,538 | $190 | 14.1% |
| Colorado | $1,290 | -$58 | -4.3% |
| Connecticut | $1,390 | $42 | 3.1% |
| Delaware | $1,528 | $180 | 13.4% |
| Florida | $1,688 | $340 | 25.2% |
| Georgia | $1,246 | -$102 | -7.6% |
| Hawaii | $970 | -$378 | -28.0% |
| Idaho | $914 | -$434 | -32.2% |
| Illinois | $1,008 | -$340 | -25.2% |
| Indiana | $1,016 | -$332 | -24.6% |
| Iowa | $912 | -$436 | -32.3% |
| Kansas | $1,284 | -$64 | -4.7% |
| Kentucky | $1,842 | $494 | 36.6% |
| Louisiana | $1,998 | $650 | 48.2% |
| Maine | $834 | -$514 | -38.1% |
| Maryland | $1,112 | -$236 | -17.5% |
| Massachusetts | $1,080 | -$268 | -19.9% |
| Michigan | $2,346 | $998 | 74.0% |
| Minnesota | $1,130 | -$218 | -16.2% |
| Mississippi | $1,618 | $270 | 20.0% |
| Missouri | $1,198 | -$150 | -11.1% |
| Montana | $1,450 | $102 | 7.6% |
| Nebraska | $1,064 | -$284 | -21.1% |
| Nevada | $1,620 | $272 | 20.2% |
| New Hampshire | $972 | -$376 | -27.9% |
| New Jersey | $1,510 | $162 | 12.0% |
| New Mexico | $1,198 | -$150 | -11.1% |
| New York | $1,422 | $74 | 5.5% |
| North Carolina | $778 | -$570 | -42.3% |
| North Dakota | $1,106 | -$242 | -18.0% |
| Ohio | $934 | -$414 | -30.7% |
| Oklahoma | $1,388 | $40 | 3.0% |
| Oregon | $1,238 | -$110 | -8.2% |
| Pennsylvania | $1,288 | -$60 | -4.5% |
| Rhode Island | $1,802 | $454 | 33.7% |
| South Carolina | $1,224 | -$124 | -9.2% |
| South Dakota | $1,138 | -$210 | -15.6% |
| Tennessee | $1,182 | -$166 | -12.3% |
| Texas | $1,628 | $280 | 20.8% |
| Utah | $1,000 | -$348 | -25.8% |
| Vermont | $924 | -$424 | -31.5% |
| Virginia | $808 | -$540 | -40.1% |
| Washington | $1,044 | -$304 | -22.6% |
| West Virginia | $1,238 | -$110 | -8.2% |
| Wisconsin | $936 | -$412 | -30.6% |
| Wyoming | $1,202 | -$146 | -10.8% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Bronco Sport | $280 | $562 | $372 | $1,372 |
| 2023 Ford Bronco Sport | $268 | $542 | $390 | $1,358 |
| 2022 Ford Bronco Sport | $256 | $536 | $398 | $1,348 |
| 2021 Ford Bronco Sport | $248 | $524 | $416 | $1,346 |
Rates are averaged for all Ford Bronco Sport models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Ford Bronco Sport Insurance
Finding cheaper rates on insurance for a Ford Bronco Sport consists of being a low-risk driver, having good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop every couple of years by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The items below are a brief recap of the material that was touched on in the above illustrations.
- Insureds who purchase more liability coverage will pay around $440 annually to raise from a 30/60 limit to a 250/500 level
- Teen drivers are expensive to insure, possibly costing $427 each month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,590 more per year to insure their Bronco Sport
- Increasing comprehensive and collision deductibles could save as much as $525 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,118 |
| 20 | $3,156 |
| 30 | $1,408 |
| 40 | $1,348 |
| 50 | $1,236 |
| 60 | $1,212 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,702 |
| $250 | $1,538 |
| $500 | $1,348 |
| $1,000 | $1,170 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,348 |
| 50/100 | $1,428 |
| 100/300 | $1,527 |
| 250/500 | $1,786 |
| 100 CSL | $1,467 |
| 300 CSL | $1,686 |
| 500 CSL | $1,846 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,300 |
| 20 | $5,022 |
| 30 | $3,004 |
| 40 | $2,942 |
| 50 | $2,810 |
| 60 | $2,786 |
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 | $71 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $95 |
| Total Discounts | $578 |
Discounts are estimated and may not be available from every company or in every state.
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