Ford Bronco Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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U.S. average insurance prices for a Ford Bronco are $1,398 every 12 months including full coverage. Comprehensive insurance costs around $286, collision costs $612, and liability is estimated at $364. Buying just liability costs approximately $416 a year, with insurance for high-risk drivers costing $3,058 or more. Teen 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

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Bronco trim levels.

Price Range from Low to High

For the normal driver, Ford Bronco insurance prices go from the cheapest price of $416 for just liability insurance to a much higher rate of $3,058 for a driver who requires high-risk insurance.

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

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance rates.

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

The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of using price 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 breaks down estimated Ford Bronco insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $783
  • Choosing higher $1,000 deductibles can save about $202 every year
  • The average price for the average middle-age driver using $500 deductibles is $1,398
  • Choosing more expensive low deductibles for comp and collision coverage costs an extra $402 every year
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,058 or more
  • The price to insure a teen driver with full coverage can be $5,184 each year

View Chart as Image

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

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

Choosing high deductibles can save as much as $610 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $327 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance ranges as much as 44% to 135% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Ford Bronco insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,000 on average in Michigan, New York, and Louisiana.

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

Since prices can be so different, the best way to figure out your exact price is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, 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 Shop for Low Cost Ford Bronco Insurance

Getting lower rates on car insurance takes avoiding accidents and claims, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a review of the concepts that were presented in the illustrations above.

  • Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,660 more every year to insure a Ford Bronco
  • Drivers under the age of 20 are charged the highest prices, possibly costing $432 a month if full coverage is included
  • You may be able to save up to $170 per year simply by shopping early and online
  • Increasing physical damage deductibles could save as much as $600 each year
  • You may be able to save up to $170 per year simply by shopping early and online

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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