Ford Bronco Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance rates for a Ford Bronco are $1,374 a year for full coverage insurance. Comprehensive insurance costs around $270 a year, collision costs $592, and liability costs around $376. Liability-only insurance costs as low as $426 a year, with high-risk driver insurance costing $3,006 or more. Teen drivers pay the most at $5,134 a year or more.
Average premium for full coverage: $1,374
Premium estimates for type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Bronco trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford Bronco go from the low end price of $426 for minimum levels of liability insurance to a high of $3,006 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The diagram below illustrates the effect of geographic area on auto insurance rates.
These rate differences illustrate why it is important to compare prices for a specific zip code, instead of making a decision based on 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.
Additional Rate Details
The chart below illustrates estimated Ford Bronco insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $769
- Using higher $1,000 deductibles will save about $1,180 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,374
- Choosing low $100 deductibles for physical damage coverage will cost an additional $384 annually
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,006 or more
- An auto insurance policy that insures a 16-year-old driver can be $5,134 or more
Insurance prices for a Ford Bronco also have a wide range based on the trim level of your Bronco, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be from 45% to 138% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,100 a year. View Rates by Age
Where you choose to live has a huge impact on Ford Bronco insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,850 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$134 | -9.8% |
| Alaska | $1,054 | -$320 | -23.3% |
| Arizona | $1,138 | -$236 | -17.2% |
| Arkansas | $1,374 | -$0 | 0.0% |
| California | $1,564 | $190 | 13.8% |
| Colorado | $1,310 | -$64 | -4.7% |
| Connecticut | $1,410 | $36 | 2.6% |
| Delaware | $1,554 | $180 | 13.1% |
| Florida | $1,716 | $342 | 24.9% |
| Georgia | $1,270 | -$104 | -7.6% |
| Hawaii | $986 | -$388 | -28.2% |
| Idaho | $930 | -$444 | -32.3% |
| Illinois | $1,022 | -$352 | -25.6% |
| Indiana | $1,036 | -$338 | -24.6% |
| Iowa | $926 | -$448 | -32.6% |
| Kansas | $1,304 | -$70 | -5.1% |
| Kentucky | $1,870 | $496 | 36.1% |
| Louisiana | $2,032 | $658 | 47.9% |
| Maine | $846 | -$528 | -38.4% |
| Maryland | $1,134 | -$240 | -17.5% |
| Massachusetts | $1,094 | -$280 | -20.4% |
| Michigan | $2,386 | $1,012 | 73.7% |
| Minnesota | $1,150 | -$224 | -16.3% |
| Mississippi | $1,644 | $270 | 19.7% |
| Missouri | $1,220 | -$154 | -11.2% |
| Montana | $1,474 | $100 | 7.3% |
| Nebraska | $1,080 | -$294 | -21.4% |
| Nevada | $1,646 | $272 | 19.8% |
| New Hampshire | $990 | -$384 | -27.9% |
| New Jersey | $1,534 | $160 | 11.6% |
| New Mexico | $1,216 | -$158 | -11.5% |
| New York | $1,444 | $70 | 5.1% |
| North Carolina | $790 | -$584 | -42.5% |
| North Dakota | $1,126 | -$248 | -18.0% |
| Ohio | $946 | -$428 | -31.1% |
| Oklahoma | $1,408 | $34 | 2.5% |
| Oregon | $1,258 | -$116 | -8.4% |
| Pennsylvania | $1,308 | -$66 | -4.8% |
| Rhode Island | $1,830 | $456 | 33.2% |
| South Carolina | $1,244 | -$130 | -9.5% |
| South Dakota | $1,160 | -$214 | -15.6% |
| Tennessee | $1,202 | -$172 | -12.5% |
| Texas | $1,654 | $280 | 20.4% |
| Utah | $1,016 | -$358 | -26.1% |
| Vermont | $936 | -$438 | -31.9% |
| Virginia | $822 | -$552 | -40.2% |
| Washington | $1,058 | -$316 | -23.0% |
| West Virginia | $1,258 | -$116 | -8.4% |
| Wisconsin | $950 | -$424 | -30.9% |
| Wyoming | $1,220 | -$154 | -11.2% |
Choosing high deductibles could cut prices by as much as $580 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $339 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Bronco | $306 | $656 | $338 | $1,436 |
| 2023 Ford Bronco | $296 | $640 | $354 | $1,426 |
| 2022 Ford Bronco | $286 | $612 | $364 | $1,398 |
| 2021 Ford Bronco | $270 | $592 | $376 | $1,374 |
| 2020 Ford Bronco | $260 | $548 | $384 | $1,328 |
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 the Best Ford Bronco Insurance
Finding better rates on insurance for a Ford Bronco requires having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Shop around once a year by quoting rates from direct insurance companies, and also from insurance agencies where you live.
The following items are a brief recap of the data that was covered in the above illustrations.
- It is possible to save up to $170 per year simply by quoting early and online
- Insureds who may need additional liability coverage will pay about $410 annually to increase from 30/60 bodily injury limits to the 250/500 level
- 16 to 18-year-old drivers are charged the highest prices, with premiums being up to $428 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,630 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,134 |
| 20 | $3,216 |
| 30 | $1,440 |
| 40 | $1,374 |
| 50 | $1,256 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,758 |
| $250 | $1,578 |
| $500 | $1,374 |
| $1,000 | $1,180 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,374 |
| 50/100 | $1,449 |
| 100/300 | $1,543 |
| 250/500 | $1,788 |
| 100 CSL | $1,487 |
| 300 CSL | $1,694 |
| 500 CSL | $1,844 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,354 |
| 20 | $5,128 |
| 30 | $3,078 |
| 40 | $3,006 |
| 50 | $2,870 |
| 60 | $2,844 |
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 | $74 |
| Multi-vehicle | $74 |
| Homeowner | $20 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $67 |
| Advance Quote | $72 |
| Online Quote | $99 |
| Total Discounts | $605 |
Discounts are estimated and may not be available from every company or in every state.
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