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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Average auto insurance rates for a Ford Bronco are $1,374 annually for full coverage. Comprehensive costs on average $270 a year, collision costs $592, and liability costs around $376. Buying just liability costs as low as $426 a year, with insurance for high-risk drivers costing around $3,006. 16-year-old drivers receive the highest rates at $5,134 a year or more.
Average premium for full coverage: $1,374
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Bronco trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $426 for basic liability insurance to a high of $3,006 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than congested cities.
The diagram below illustrates the effect of geographic area on car insurance rates.
These examples show why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate 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.
Rate Comparisons
The chart below shows estimated Ford Bronco insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $769
- Using higher $1,000 deductibles will save around $1,180 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,374
- Buying low $100 deductibles for physical damage coverage will cost $1,758
- High-risk insureds with multiple tickets or accidents could pay upwards of $3,006 or more
- The cost with full coverage for a 16-year-old driver may cost $5,134 or more
Auto insurance rates for a Ford Bronco can also vary considerably based on the trim level of your Bronco, your driver profile, and policy deductibles and limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 45% to 138% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $580 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Ford Bronco insurance prices. A driver around age 40 might see rates as low as $910 a year in states like Idaho, Maine, and Iowa, or at least $1,960 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different between companies.
| 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 Buy the Best Cheap Ford Bronco Insurance
Saving money on insurance for a Ford Bronco requires avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Take the time to compare rates once a year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The points below are a quick review of the data that was covered in the above illustrations.
- Drivers can save as much as $170 per year simply by quoting early and online
- Insureds who require increased liability limits will pay around $410 each year to increase from a minimum limit to higher 250/500 limits
- Drivers under the age of 20 are charged the highest rates, costing as high as $428 per month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,630 more each year 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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