Ford Bronco Sport 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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The average insurance rates for a Ford Bronco Sport are $1,330 a year with full coverage. Comprehensive costs on average $240, collision costs $502, and liability costs around $430. Liability-only insurance costs as low as $486 a year, with high-risk driver insurance costing around $2,898. 16-year-old drivers cost the most to insure at $5,102 a year or more.
Average premium for full coverage: $1,330
Policy rates by type of insurance:
Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Bronco Sport models.
Price Range Variability
For the average 40-year-old driver, Ford Bronco Sport insurance rates go from the low end price of $486 for just the minimum liability insurance to the much higher price of $2,898 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities.
The example below illustrates the difference location can make on car insurance rates.
The examples above demonstrate why everyone should compare prices based on a specific location, instead of making a decision based on 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 details estimated Ford Bronco Sport insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $763
- Using higher $1,000 deductibles will save around $168 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,330
- Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,658
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,898 or more
- Policy cost that insures a 16-year-old driver for full coverage may cost $5,102 or more
Auto insurance rates for a Ford Bronco Sport also range considerably based on the model of your Bronco Sport, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Ford Bronco Sport insurance for high-risk drivers can be from 43% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $5,100 a year. View Rates by Age
Your home state has a huge impact on Ford Bronco Sport insurance prices. A driver around age 40 might see rates as low as $960 a year in states like New Hampshire, Ohio, and Utah, or at least $1,800 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,202 | -$128 | -9.6% |
| Alaska | $1,020 | -$310 | -23.3% |
| Arizona | $1,102 | -$228 | -17.1% |
| Arkansas | $1,330 | -$0 | 0.0% |
| California | $1,514 | $184 | 13.8% |
| Colorado | $1,270 | -$60 | -4.5% |
| Connecticut | $1,368 | $38 | 2.9% |
| Delaware | $1,504 | $174 | 13.1% |
| Florida | $1,662 | $332 | 25.0% |
| Georgia | $1,226 | -$104 | -7.8% |
| Hawaii | $954 | -$376 | -28.3% |
| Idaho | $898 | -$432 | -32.5% |
| Illinois | $990 | -$340 | -25.6% |
| Indiana | $1,000 | -$330 | -24.8% |
| Iowa | $896 | -$434 | -32.6% |
| Kansas | $1,264 | -$66 | -5.0% |
| Kentucky | $1,812 | $482 | 36.2% |
| Louisiana | $1,966 | $636 | 47.8% |
| Maine | $820 | -$510 | -38.3% |
| Maryland | $1,096 | -$234 | -17.6% |
| Massachusetts | $1,064 | -$266 | -20.0% |
| Michigan | $2,310 | $980 | 73.7% |
| Minnesota | $1,112 | -$218 | -16.4% |
| Mississippi | $1,590 | $260 | 19.5% |
| Missouri | $1,180 | -$150 | -11.3% |
| Montana | $1,430 | $100 | 7.5% |
| Nebraska | $1,048 | -$282 | -21.2% |
| Nevada | $1,592 | $262 | 19.7% |
| New Hampshire | $958 | -$372 | -28.0% |
| New Jersey | $1,486 | $156 | 11.7% |
| New Mexico | $1,176 | -$154 | -11.6% |
| New York | $1,400 | $70 | 5.3% |
| North Carolina | $766 | -$564 | -42.4% |
| North Dakota | $1,088 | -$242 | -18.2% |
| Ohio | $918 | -$412 | -31.0% |
| Oklahoma | $1,364 | $34 | 2.6% |
| Oregon | $1,218 | -$112 | -8.4% |
| Pennsylvania | $1,268 | -$62 | -4.7% |
| Rhode Island | $1,772 | $442 | 33.2% |
| South Carolina | $1,202 | -$128 | -9.6% |
| South Dakota | $1,122 | -$208 | -15.6% |
| Tennessee | $1,166 | -$164 | -12.3% |
| Texas | $1,602 | $272 | 20.5% |
| Utah | $984 | -$346 | -26.0% |
| Vermont | $910 | -$420 | -31.6% |
| Virginia | $796 | -$534 | -40.2% |
| Washington | $1,028 | -$302 | -22.7% |
| West Virginia | $1,218 | -$112 | -8.4% |
| Wisconsin | $922 | -$408 | -30.7% |
| Wyoming | $1,182 | -$148 | -11.1% |
Opting for high physical damage deductibles could cut rates by as much as $500 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Bronco Sport | $256 | $536 | $398 | $1,348 |
| 2023 Ford Bronco Sport | $248 | $524 | $416 | $1,346 |
| 2022 Ford Bronco Sport | $240 | $502 | $430 | $1,330 |
| 2021 Ford Bronco Sport | $226 | $484 | $442 | $1,310 |
Rates are averaged for all Ford Bronco Sport 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 Right Ford Bronco Sport Insurance
Finding cheaper rates on insurance for a Ford Bronco Sport requires being a safe and courteous driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop at every other renewal by obtaining price quotes from direct companies, and also from several local insurance agents.
Below is a quick rundown of the concepts that were touched on in this article.
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,570 more each year for auto insurance
- Teenage drivers are charged the highest rates, as much as $425 each month if the policy includes full coverage
- You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $500 each year
- You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,102 |
| 20 | $3,106 |
| 30 | $1,378 |
| 40 | $1,330 |
| 50 | $1,218 |
| 60 | $1,194 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,658 |
| $250 | $1,504 |
| $500 | $1,330 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,330 |
| 50/100 | $1,416 |
| 100/300 | $1,524 |
| 250/500 | $1,803 |
| 100 CSL | $1,459 |
| 300 CSL | $1,696 |
| 500 CSL | $1,868 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,268 |
| 20 | $4,952 |
| 30 | $2,954 |
| 40 | $2,898 |
| 50 | $2,772 |
| 60 | $2,748 |
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 | $70 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $94 |
| Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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