Ford Bronco Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Ford Bronco are $1,398 a year for full coverage. Comprehensive costs approximately $286 each year, collision costs $612, and liability costs around $364. A liability-only policy costs as low as $416 a year, with high-risk insurance costing around $3,058. Teens receive the highest rates at $5,184 a year or more.

Average premium for full coverage: $1,398

Rate estimates by individual coverage type:

Comprehensive $286
Collision $612
Liability $364

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Bronco models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $416 for basic liability insurance to a high rate of $3,058 for a high-risk insurance policy.

Liability Only $416
Full Coverage $1,398
High Risk $3,058

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,049
Small Cities $1,468
Large Cities $1,887

These examples show why all drivers should compare prices using their specific location and risk profile, 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.

Rate Comparisons

The chart below shows estimated Ford Bronco insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $783
  • Using higher $1,000 deductibles will save $202 a year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,398
  • Selecting low deductibles for physical damage coverage will increase the cost to $1,800
  • Drivers with serious driving violations could pay around $3,058 or more
  • The cost for full coverage for a teen driver can cost $5,184 or more

View Chart as Image

Ford Bronco insurance cost comparison chart
Column chart showing full coverage Ford Bronco insurance rates range from $783 to $5,184

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

More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Where you live has a huge impact on Ford Bronco insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,000 on average in New York, Louisiana, and Michigan.

Ford Bronco Insurance Rates by State
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%

View Chart as Image

Ford Bronco insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $610 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 135% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company calculates rates differently, so the rates can be significantly different from one company to the next.

Ford Bronco Insurance Rates by Model Year
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 Find Cheap Ford Bronco Insurance

Saving money on car insurance requires having a decent driving record, maintaining good credit, eliminating unneeded coverage, and maximizing policy discounts. Make time to compare rates at least every other year by getting quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a brief summary of the car insurance concepts touched on in this article.

  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,660 more per year than a driver with a clean driving record
  • Drivers can save around $170 per year simply by quoting online in advance
  • Increasing deductibles can save around $600 each year
  • Policyholders who purchase additional liability coverage will pay approximately $400 each year to increase from a minimum limit to 250/500 limits

Rates by Driver Age

Ford Bronco Insurance 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

Ford Bronco Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,800
$250 $1,612
$500 $1,398
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Ford Bronco Insurance Rates with Different Liability Limits
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

Ford Bronco Insurance 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.

SR-22 Surcharge $203

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
Rate after discounts $783

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

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