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 including full coverage. Comprehensive insurance costs approximately $270 each year, collision insurance costs $592, and liability coverage costs $376. A policy with only liability insurance costs as little as $426 a year, and a high-risk policy costs $3,006 or more. Teenage drivers pay the most at up to $5,134 a year.
Average premium for full coverage: $1,374
Premium estimates by type of coverage:
Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Bronco models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Ford Bronco range from the low end price of $426 for basic liability insurance to a high rate of $3,006 for high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.
These rate differences highlight why all drivers should compare rates using their specific location, rather than using 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.
Rate Comparisons
The chart below breaks down average Ford Bronco insurance rates for additional coverage and risk scenarios.
- The best discount rate is $769
- Drivers who choose higher $1,000 deductibles will pay $194 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,374
- Using low deductibles for comprehensive and collision insurance will cost an additional $384 each year
- High-risk insureds who are prone to accidents and violations could pay around $3,006
- An auto insurance policy that insures a teenage driver can cost $5,134 a year
Car insurance prices for a Ford Bronco also have a wide range based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can cost around 45% to 138% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,100 a year. View Rates by Age
Where you choose to live makes a big difference in Ford Bronco insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,960 on average in Louisiana, 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 could save up to $580 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Low Cost Ford Bronco Insurance
Finding better rates on auto insurance not only requires having a decent driving record, but also having a positive credit history, refrain from filing small claims, and attention to physical damage deductibles. Compare prices every couple of years by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The following items are a review of the material that was touched on in this article.
- Consumers who purchase additional liability coverage will pay an extra $410 per year to go from 30/60 bodily injury limits to the 250/500 level
- 16 to 18-year-old drivers pay the highest auto insurance prices, with the cost nearing $428 per month if full coverage is purchased
- Drivers who have several accidents or serious violations will likely pay on average $1,630 more per year than a driver with a clean driving record
- Increasing policy deductibles can save approximately $575 each year
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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