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 prices for a Ford Bronco Sport are $1,330 every 12 months for full coverage insurance. Comprehensive costs around $240 a year, collision costs $502, and liability costs around $430. A liability-only policy costs as low as $486 a year, with high-risk insurance costing around $2,898. Teens cost the most to insure at $5,102 a year or more.
Average premium for full coverage: $1,330
Policy rates for type of insurance:
Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Bronco Sport trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford Bronco Sport insurance rates go from the cheapest price of $486 for just liability coverage to a high of $2,898 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why it is important to compare prices for a specific zip code and their own driving history, instead of using averaged prices.
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.
Detailed Rate Analysis
The chart below illustrates estimated Ford Bronco Sport insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $763
- Using higher $1,000 deductibles will save about $1,162 each year
- The average price for a good driver age 40 using $500 deductibles is $1,330
- Selecting low $100 deductibles for physical damage coverage increases the price to $1,658
- Drivers with serious driving violations could pay at least $2,898 or more
- Policy cost to insure a teen driver can be $5,102 or more
Car insurance rates for a Ford Bronco Sport also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $500 every year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 134% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on Ford Bronco Sport insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,800 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out your exact price is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes 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 Shop for the Best Cheap Ford Bronco Sport Insurance
Finding cheaper rates on car insurance requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to shop around at least every other year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below is a quick review of the car insurance concepts raised in the charts and tables above.
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,570 more every year for auto insurance
- It is possible to save up to $160 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- Policyholders who may need higher levels of liability will pay approximately $470 annually to increase from a 30/60 limit to a 250/500 level
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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