Ford Bronco Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Ford Bronco are $1,398 annually including full coverage. Comprehensive insurance costs approximately $286 a year, collision insurance costs $612, and liability is $364. Liability-only insurance costs around $416 a year, and high-risk driver insurance costs $3,058 or more. Teenage drivers cost the most to insure at up to $5,184 a year.
Average premium for full coverage: $1,398
Policy rates by type of insurance:
Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Bronco trim levels.
Price Range Variability
For a driver around age 40, Ford Bronco insurance rates range from as cheap as $416 for the bare minimum liability coverage to a high of $3,058 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on 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 Information
The chart below breaks down average Ford Bronco insurance rates for additional coverage and risk scenarios.
- The best discount rate is $783
- Raising to $1,000 deductibles will save $1,196 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,398
- Using low $100 deductibles costs an additional $402 annually
- Drivers who are prone to accidents and violations could pay around $3,058
- Policy cost with full coverage for a 16-year-old driver can cost $5,184
Auto insurance rates for a Ford Bronco also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $610 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Ford Bronco insurance prices. A middle-age driver might find rates as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,000 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Buy More Affordable Ford Bronco Insurance
Finding cheaper rates on insurance for a Ford Bronco consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a summary of the car insurance concepts covered above.
- Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,660 more per year to insure their Bronco
- You may be able to save around $170 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $600 each year
- Insureds who purchase more liability coverage will pay an extra $400 per year to raise from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,800 |
| $250 | $1,612 |
| $500 | $1,398 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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