Ford Bronco Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Ford Bronco are $1,426 every 12 months for full coverage insurance. Comprehensive costs on average $296, collision insurance costs $640, and liability coverage is estimated at $354. A liability-only policy costs approximately $406 a year, and high-risk insurance costs around $3,114. 16-year-old drivers pay the most at up to $5,252 a year.
Average premium for full coverage: $1,426
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Bronco trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Ford Bronco range from the cheapest price of $406 for just liability insurance to a much higher rate of $3,114 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities. The price range example below illustrates how geographic area affects car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than using 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.
More Rate Details
The chart below illustrates average Ford Bronco insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $797
- Choosing higher $1,000 deductibles can save around $212 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,426
- Buying more expensive low deductibles for comp and collision coverage increases the price to $1,842
- Drivers with multiple tickets or accidents could pay upwards of $3,114
- An auto insurance policy to insure a teenage driver with full coverage may cost $5,252 each year
Auto insurance prices for a Ford Bronco also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Bronco.
Opting for high physical damage deductibles can save as much as $630 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $5,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance ranges around 44% to 133% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Ford Bronco insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,920 on average in Michigan, New York, and Florida.
| 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% |
| 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 Shop for the Cheapest Ford Bronco Insurance
Finding better rates on auto insurance takes avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates once a year by getting quotes from direct insurance companies, and also from several local insurance agents.
The list below is a recap of the data that was presented in the illustrations above.
- It is possible to save as much as $180 per year just by shopping early and online
- Consumers who require higher liability limits will pay around $390 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teenagers are charged the highest prices, with premiums being up to $438 per month if comprehensive and collision insurance is included
- Drivers that have major violations or accidents pay on average $1,690 more each year for car insurance
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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