Ford Bronco Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance rates for a Ford Bronco are $1,374 a year with full coverage. Comprehensive costs an estimated $270, collision insurance costs $592, and liability coverage is estimated at $376. Liability-only insurance costs approximately $426 a year, and high-risk driver insurance costs around $3,006. Teens cost the most to insure at up to $5,134 a year.

Average premium for full coverage: $1,374

Policy rates broken down by type of insurance:

Comprehensive $270
Collision $592
Liability $376

Includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Bronco trim levels.

Price Range Variability

For the average driver, Ford Bronco insurance rates range from the low end price of $426 for just the minimum liability insurance to a much higher rate of $3,006 for a policy for a high-risk driver.

Liability Only $426
Full Coverage $1,374
High Risk $3,006

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts insurance prices.

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area, rather than 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.

Additional Rate Analysis

The chart below details average Ford Bronco insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $769
  • Choosing higher $1,000 deductibles can save approximately $194 annually
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,374
  • Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,758
  • Drivers with serious driving violations could pay up to $3,006
  • Policy cost that insures a teenage driver with full coverage can cost as much as $5,134 each year

View Chart as Image

Ford Bronco insurance cost comparison chart
Column chart showing Ford Bronco insurance rates range from $769 to $5,134 for full coverage

Auto insurance rates for a Ford Bronco also range considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance ranges around 45% to 138% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Bronco insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,850 on average in New York, Michigan, and Florida.

Ford Bronco Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,240 -$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%

View Chart as Image

Ford Bronco insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit

Ford Bronco Insurance Rates by Model Year
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 the Cheapest Ford Bronco Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Compare rates every year by requesting quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a recap of the coverage data touched on above.

  • You may be able to save approximately $170 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $575 each year
  • Youthful drivers are the costliest to insure, as much as $428 each month if the policy includes full coverage
  • Drivers that have major violations or accidents could be forced to pay on average $1,630 more annually than a low-risk driver

Rates by Driver Age

Ford Bronco Insurance 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

Ford Bronco Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,758
$250 $1,578
$500 $1,374
$1,000 $1,180

Full coverage, driver age 40

Rates by Liability Limit

Ford Bronco Insurance Rates with Different Liability Limits
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

Ford Bronco Insurance 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.

SR-22 Surcharge $200

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
Rate after discounts $769

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

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