Ford Bronco 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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Estimated insurance rates for a Ford Bronco are $1,374 a year for full coverage insurance. Comprehensive insurance costs an estimated $270 each year, collision costs $592, and liability insurance is estimated at $376. Liability-only coverage costs approximately $426 a year, with high-risk coverage costing $3,006 or more. Teenage drivers pay the most at $5,134 a year or more.
Average premium for full coverage: $1,374
Premium estimates broken down by type of coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Bronco models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Ford Bronco go from as low as $426 for just liability insurance to a high rate of $3,006 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates how where you live affects insurance prices.
These rate differences illustrate why all drivers should get quotes for a targeted area and risk profile, rather than relying 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.
More Rate Details
The chart below illustrates estimated Ford Bronco insurance rates for other coverage scenarios.
- The best discount rate is $769
- Choosing higher $1,000 deductibles can save approximately $194 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,374
- Using low deductibles for comp and collision coverage will cost an extra $384 a year
- High-risk insureds who are prone to accidents and violations could pay up to $3,006 or more
- An auto insurance policy for full coverage for a teen driver can cost as much as $5,134 each year
Insurance prices for a Ford Bronco also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $5,100 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Ford Bronco insurance rates. A good driver about age 40 could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,850 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$134 | -9.8% |
| Alaska | $1,054 | -$320 | -23.3% |
| Arizona | $1,138 | -$236 | -17.2% |
| Arkansas | $1,374 | -$0 | 0.0% |
| California | $1,564 | $190 | 13.8% |
| Colorado | $1,310 | -$64 | -4.7% |
| Connecticut | $1,410 | $36 | 2.6% |
| Delaware | $1,554 | $180 | 13.1% |
| Florida | $1,716 | $342 | 24.9% |
| Georgia | $1,270 | -$104 | -7.6% |
| Hawaii | $986 | -$388 | -28.2% |
| Idaho | $930 | -$444 | -32.3% |
| Illinois | $1,022 | -$352 | -25.6% |
| Indiana | $1,036 | -$338 | -24.6% |
| Iowa | $926 | -$448 | -32.6% |
| Kansas | $1,304 | -$70 | -5.1% |
| Kentucky | $1,870 | $496 | 36.1% |
| Louisiana | $2,032 | $658 | 47.9% |
| Maine | $846 | -$528 | -38.4% |
| Maryland | $1,134 | -$240 | -17.5% |
| Massachusetts | $1,094 | -$280 | -20.4% |
| Michigan | $2,386 | $1,012 | 73.7% |
| Minnesota | $1,150 | -$224 | -16.3% |
| Mississippi | $1,644 | $270 | 19.7% |
| Missouri | $1,220 | -$154 | -11.2% |
| Montana | $1,474 | $100 | 7.3% |
| Nebraska | $1,080 | -$294 | -21.4% |
| Nevada | $1,646 | $272 | 19.8% |
| New Hampshire | $990 | -$384 | -27.9% |
| New Jersey | $1,534 | $160 | 11.6% |
| New Mexico | $1,216 | -$158 | -11.5% |
| New York | $1,444 | $70 | 5.1% |
| North Carolina | $790 | -$584 | -42.5% |
| North Dakota | $1,126 | -$248 | -18.0% |
| Ohio | $946 | -$428 | -31.1% |
| Oklahoma | $1,408 | $34 | 2.5% |
| Oregon | $1,258 | -$116 | -8.4% |
| Pennsylvania | $1,308 | -$66 | -4.8% |
| Rhode Island | $1,830 | $456 | 33.2% |
| South Carolina | $1,244 | -$130 | -9.5% |
| South Dakota | $1,160 | -$214 | -15.6% |
| Tennessee | $1,202 | -$172 | -12.5% |
| Texas | $1,654 | $280 | 20.4% |
| Utah | $1,016 | -$358 | -26.1% |
| Vermont | $936 | -$438 | -31.9% |
| Virginia | $822 | -$552 | -40.2% |
| Washington | $1,058 | -$316 | -23.0% |
| West Virginia | $1,258 | -$116 | -8.4% |
| Wisconsin | $950 | -$424 | -30.9% |
| Wyoming | $1,220 | -$154 | -11.2% |
Using high physical damage deductibles can save as much as $580 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $339 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 138% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Bronco | $306 | $656 | $338 | $1,436 |
| 2023 Ford Bronco | $296 | $640 | $354 | $1,426 |
| 2022 Ford Bronco | $286 | $612 | $364 | $1,398 |
| 2021 Ford Bronco | $270 | $592 | $376 | $1,374 |
| 2020 Ford Bronco | $260 | $548 | $384 | $1,328 |
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
Finding better rates on Ford Bronco insurance takes avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a brief summary of the data that was touched on in the above illustrations.
- It is possible to save approximately $170 per year simply by quoting online in advance
- Drivers who want increased liability limits will pay an extra $410 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
- Drivers under the age of 20 are charged the highest prices, with premiums being up to $428 per month for full coverage
- High-risk drivers that tend to have accidents or serious violations pay on average $1,630 more annually to insure a Ford Bronco
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,134 |
| 20 | $3,216 |
| 30 | $1,440 |
| 40 | $1,374 |
| 50 | $1,256 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,758 |
| $250 | $1,578 |
| $500 | $1,374 |
| $1,000 | $1,180 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,374 |
| 50/100 | $1,449 |
| 100/300 | $1,543 |
| 250/500 | $1,788 |
| 100 CSL | $1,487 |
| 300 CSL | $1,694 |
| 500 CSL | $1,844 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,354 |
| 20 | $5,128 |
| 30 | $3,078 |
| 40 | $3,006 |
| 50 | $2,870 |
| 60 | $2,844 |
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 | $74 |
| Multi-vehicle | $74 |
| Homeowner | $20 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $67 |
| Advance Quote | $72 |
| Online Quote | $99 |
| Total Discounts | $605 |
Discounts are estimated and may not be available from every company or in every state.
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