Ford Bronco Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Ford Bronco are $1,398 a year with full coverage. Comprehensive insurance costs approximately $286, collision costs $612, and liability insurance costs $364. Liability-only insurance costs as little as $416 a year, with high-risk driver insurance costing $3,058 or more. Teenage drivers pay the highest rates at $5,184 a year or more.

Average premium for full coverage: $1,398

Price estimates by individual coverage:

Comprehensive $286
Collision $612
Liability $364

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Bronco models.

Price Range from Low to High

For the average driver, Ford Bronco insurance prices go from the low end price of $416 for the bare minimum liability coverage to the much higher price of $3,058 for a high-risk driver policy.

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

Geographic Price Range

Your location has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

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

The ranges above demonstrate why everyone should compare rates using their specific location, 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.

Additional Rate Information

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

  • The best discount rate is $783
  • Drivers who choose higher $1,000 deductibles will pay $202 annually
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,398
  • Using pricier low deductibles for comprehensive and collision insurance will cost an additional $402 a year
  • High risk drivers who are prone to accidents and violations could pay around $3,058 or more
  • The price that insures a teen driver for full coverage can cost $5,184 a year

View Chart as Image

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

Car insurance prices for a Ford Bronco are also quite variable based on the model of your Bronco, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 extra each year, depending on your age. Ford Bronco insurance for high-risk drivers can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,100 a year. View Rates by Age

The state you live in makes a big difference in Ford Bronco insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,890 on average in New York, Michigan, and Florida.

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

Using high physical damage deductibles could save up to $610 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes may be quite different.

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 Low Cost Ford Bronco Insurance

Getting lower rates on Ford Bronco insurance not only requires being a low-risk driver, but also having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare prices every time your policy renews by getting rate quotes from direct companies, and also from local insurance agencies.

The items below are a review of the information touched on above.

  • You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
  • Teen drivers pay the highest auto insurance prices, costing up to $432 a month if full coverage is purchased
  • Increasing physical damage deductibles can save approximately $600 each year
  • High-risk drivers who have several accidents or serious violations may have to pay on average $1,660 more per year to insure their Bronco
  • Drivers who purchase more liability coverage will pay an extra $400 every year to go from a low limit to the 250/500 level

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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