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 auto insurance rates for a Ford Bronco are $1,374 annually for full coverage insurance. Comprehensive costs around $270, collision insurance costs $592, and liability coverage costs $376. Liability-only coverage costs as little as $426 a year, and high-risk coverage costs around $3,006. 16-year-old drivers pay the most at up to $5,134 a year.
Average premium for full coverage: $1,374
Premium estimates for type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Bronco models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Ford Bronco range from as cheap as $426 for just the minimum liability insurance to the much higher price of $3,006 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities. The example below illustrates how rural and urban location affects auto insurance rates.
These rate differences illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, 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.
Additional Rate Analysis
The chart below illustrates average Ford Bronco insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $769
- Drivers who choose higher $1,000 deductibles will pay about $194 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,374
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,758
- High-risk insureds with multiple tickets or accidents could pay at least $3,006
- An auto insurance policy with full coverage for a teenage driver for full coverage can be $5,134 a year
Insurance prices for a Ford Bronco also have a wide range based on the model of your Bronco, your risk profile, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,700 to $2,300 extra annually, depending on your age. Ford Bronco insurance for high-risk drivers can cost around 45% to 138% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $580 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $339 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Ford Bronco insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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% |
| 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 Buy More Affordable Ford Bronco Insurance
Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to shop around at least every other year by getting quotes from direct insurance companies, and also from several local insurance agents.
The list below is a summary of the car insurance concepts raised in the charts and tables above.
- Drivers who have multiple accidents or major violations pay on average $1,630 more every year for car insurance
- It is possible to save up to $170 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $575 each year
- Consumers who may need higher liability limits will pay around $410 annually to go from 30/60 bodily injury limits to higher 250/500 limits
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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