Ford Bronco Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average auto insurance rates for a Ford Bronco are $1,426 annually for full coverage. Comprehensive costs around $296, collision costs $640, and liability is $354. A policy with just liability insurance costs around $406 a year, with coverage for high-risk drivers costing around $3,114. Teen drivers receive the highest rates at $5,252 a year or more.

Average premium for full coverage: $1,426

Rate estimates for individual coverage type:

Comprehensive $296
Collision $640
Liability $354

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Bronco models.

Price Range by Coverage and Risk

For an average driver, prices range go from as cheap as $406 for just the minimum liability insurance to the much higher price of $3,114 for a policy for a high-risk driver.

Liability Only $406
Full Coverage $1,426
High Risk $3,114

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas.

The example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,070
Small Cities $1,497
Large Cities $1,925

These examples show why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of using price 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 shows estimated Ford Bronco insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $797
  • Raising to $1,000 deductibles will save about $212 a year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,426
  • Choosing pricier low deductibles will cost $1,842
  • At-risk drivers with multiple violations and an at-fault accident could pay at least $3,114 or more
  • The cost with full coverage for a teen driver for full coverage can be $5,252

View Chart as Image

Ford Bronco insurance cost comparison chart
Column chart showing full coverage Ford Bronco insurance rates range from $797 to $5,252

Insurance rates for a Ford Bronco can also vary considerably based on the trim level of your Bronco, your driver profile, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,700 to $2,300 additional per year, depending on your age. Ford Bronco insurance for high-risk drivers is expensive and can cost as much as 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $630 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Ford Bronco insurance prices. A middle-age driver might find rates as low as $940 a year in states like Idaho, Maine, and Iowa, or as much as $2,030 on average in Michigan, Louisiana, and New York.

Ford Bronco Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,288 -$138 -9.7%
Alaska $1,094 -$332 -23.3%
Arizona $1,182 -$244 -17.1%
Arkansas $1,426 -$0 0.0%
California $1,624 $198 13.9%
Colorado $1,358 -$68 -4.8%
Connecticut $1,464 $38 2.7%
Delaware $1,612 $186 13.0%
Florida $1,780 $354 24.8%
Georgia $1,316 -$110 -7.7%
Hawaii $1,024 -$402 -28.2%
Idaho $966 -$460 -32.3%
Illinois $1,060 -$366 -25.7%
Indiana $1,074 -$352 -24.7%
Iowa $960 -$466 -32.7%
Kansas $1,354 -$72 -5.0%
Kentucky $1,942 $516 36.2%
Louisiana $2,108 $682 47.8%
Maine $878 -$548 -38.4%
Maryland $1,176 -$250 -17.5%
Massachusetts $1,136 -$290 -20.3%
Michigan $2,472 $1,046 73.4%
Minnesota $1,194 -$232 -16.3%
Mississippi $1,706 $280 19.6%
Missouri $1,266 -$160 -11.2%
Montana $1,530 $104 7.3%
Nebraska $1,122 -$304 -21.3%
Nevada $1,708 $282 19.8%
New Hampshire $1,026 -$400 -28.1%
New Jersey $1,594 $168 11.8%
New Mexico $1,260 -$166 -11.6%
New York $1,500 $74 5.2%
North Carolina $820 -$606 -42.5%
North Dakota $1,168 -$258 -18.1%
Ohio $982 -$444 -31.1%
Oklahoma $1,460 $34 2.4%
Oregon $1,306 -$120 -8.4%
Pennsylvania $1,358 -$68 -4.8%
Rhode Island $1,900 $474 33.2%
South Carolina $1,292 -$134 -9.4%
South Dakota $1,202 -$224 -15.7%
Tennessee $1,248 -$178 -12.5%
Texas $1,716 $290 20.3%
Utah $1,056 -$370 -25.9%
Vermont $974 -$452 -31.7%
Virginia $854 -$572 -40.1%
Washington $1,100 -$326 -22.9%
West Virginia $1,306 -$120 -8.4%
Wisconsin $984 -$442 -31.0%
Wyoming $1,268 -$158 -11.1%

View Chart as Image

Ford Bronco insurance rates by U.S. city

With so much variability in rates, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and rates can be significantly different between companies.

Ford Bronco Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Ford Bronco $336 $688 $316 $1,476
2023 Ford Bronco $320 $660 $332 $1,448
2022 Ford Bronco $306 $656 $338 $1,436
2021 Ford Bronco $296 $640 $354 $1,426
2020 Ford Bronco $286 $612 $364 $1,398

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 Cheap Ford Bronco Insurance

Saving money on car insurance consists of avoiding accidents and violations, having good credit, eliminating unneeded coverage, and taking advantage of discounts. Take the time to compare rates every year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a brief summary of the coverage data covered in the above illustrations.

  • Drivers can save up to $180 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $625 each year
  • Teenagers are charged the highest rates, costing as high as $438 per month if they have full coverage
  • Higher risk drivers that tend to have accidents or serious violations pay an average of $1,690 more every year for car insurance

Rates by Driver Age

Ford Bronco Insurance Rates by Driver Age
Driver Age Premium
16 $5,252
20 $3,332
30 $1,498
40 $1,426
50 $1,302
60 $1,278

Full coverage, $500 deductibles

Rates by Deductible

Ford Bronco Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,842
$250 $1,648
$500 $1,426
$1,000 $1,214

Full coverage, driver age 40

Rates by Liability Limit

Ford Bronco Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,426
50/100 $1,497
100/300 $1,585
250/500 $1,815
100 CSL $1,532
300 CSL $1,727
500 CSL $1,869

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Bronco Insurance Rates for High Risk Drivers
Age Premium
16 $7,540
20 $5,310
30 $3,194
40 $3,114
50 $2,970
60 $2,946

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.

SR-22 Surcharge $207

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $76
Homeowner $20
5-yr Accident Free $113
5-yr Claim Free $94
Paid in Full/EFT $71
Advance Quote $75
Online Quote $103
Total Discounts $629
Rate after discounts $797

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles