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 auto insurance rates for a Ford Bronco are $1,398 annually for full coverage insurance. Comprehensive costs an estimated $286, collision costs $612, and liability coverage costs around $364. Liability-only coverage costs as low as $416 a year, with high-risk coverage costing around $3,058. Teenage drivers pay the highest rates at $5,184 a year or more.

Average premium for full coverage: $1,398

Price estimates broken down by individual coverage:

Comprehensive $286
Collision $612
Liability $364

Includes $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different Bronco trim levels.

Price Range from Low to High

For the average driver, Ford Bronco insurance prices go from as cheap as $416 for minimum levels of liability insurance to a much higher rate of $3,058 for a driver that may need high-risk insurance.

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

Geographic Price Range

Where you live has a large influence on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

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

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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 illustrates estimated Ford Bronco insurance rates for other coverage scenarios.

  • The best discount rate is $783
  • Using higher $1,000 deductibles will save approximately $202 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,398
  • Using more expensive low deductibles for physical damage coverage will cost $1,800
  • Higher-risk drivers who are prone to accidents and violations could pay up to $3,058 or more
  • The price with full coverage for a teenage driver with full coverage can cost as much as $5,184 or more

View Chart as Image

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

Auto insurance prices for a Ford Bronco are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can be around 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $610 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $327 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Bronco insurance rates. A driver around age 40 might see prices as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,890 on average in Florida, New York, and Michigan.

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 only way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different between companies.

Ford Bronco Insurance Rates by Model Year
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 Buy the Cheapest Ford Bronco Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a recap of the data that was touched on above.

  • It is possible to save approximately $170 per year simply by shopping early and online
  • Consumers who want higher liability limits will pay an extra $400 annually to increase from a low limit to higher 250/500 limits
  • Teens are the costliest to insure, as much as $432 a month if full coverage is included
  • Drivers that have major violations or accidents may pay on average $1,660 more annually for Bronco insurance

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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