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. Comprehensive costs on average $240 each year, collision costs $502, and liability costs $430. Liability-only insurance costs as little as $486 a year, with high-risk driver insurance costing around $2,898. Teenage 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:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Bronco Sport models.
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 the minimum liability insurance to a high rate of $2,898 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.
The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above show why all drivers should compare rates based on a specific location and their own driving history, 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 Analysis
The chart below shows estimated Ford Bronco Sport insurance rates for different risk profiles and scenarios.
- The best discount rate is $763
- Drivers who choose higher $1,000 deductibles will pay around $168 a year
- The average price for a good driver age 40 with $500 deductibles is $1,330
- Using low deductibles for comprehensive and collision insurance increases the price to $1,658
- Drivers who are prone to accidents and violations could pay upwards of $2,898 or more
- Policy cost to insure a 16-year-old driver may cost $5,102 a year
Auto insurance rates for a Ford Bronco Sport also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Bronco Sport.
Using high physical damage deductibles could save up to $500 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $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 could be paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Ford Bronco Sport insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,900 on average in Michigan, Louisiana, 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% |
Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, 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 Shop for Cheap Ford Bronco Sport Insurance
Finding cheaper rates on insurance for a Ford Bronco Sport not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every time your policy renews by requesting rates from direct carriers, and also from local independent and exclusive agents.
The following items are a brief summary of the information raised in the charts and tables above.
- Drivers can save as much as $160 per year simply by quoting online in advance
- 16 to 18-year-old drivers are charged the highest rates, costing up to $425 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,570 more each year than a driver with a clean driving record
- Insureds who require additional liability coverage will pay an extra $470 each year to go 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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