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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The average insurance prices for a Ford Bronco are $1,398 every 12 months for full coverage insurance. Comprehensive costs an estimated $286 each year, collision insurance costs $612, and liability costs around $364. A liability-only policy costs as low as $416 a year, and high-risk insurance costs around $3,058. 16-year-old drivers cost the most to insure at up to $5,184 a year.
Average premium for full coverage: $1,398
Policy rates broken down by type of insurance:
These estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Bronco models.
Price Range Variability
Using a 40-year-old driver as an example, Ford Bronco insurance rates range from the cheapest price of $416 for just the minimum liability insurance to a high rate of $3,058 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects insurance prices.
The examples above illustrate why all drivers should compare prices for a targeted area and their own driving history, 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.
Additional Rate Analysis
The chart below illustrates average Ford Bronco insurance rates for other coverage scenarios.
- The best full coverage rate is $783
- Using higher $1,000 deductibles will save approximately $202 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,398
- Buying low deductibles for physical damage coverage increases the price to $1,800
- High-risk insureds with multiple tickets or accidents could pay up to $3,058
- Policy cost to insure a 16-year-old driver can cost as much as $5,184 or more
Car insurance rates for a Ford Bronco also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $610 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 135% more than the average rate. View High Risk Driver Rates
Your home state 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 North Carolina, Wisconsin, and Vermont, or at least $1,890 on average in Florida, New York, and Michigan.
| 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% |
| 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 Shop for Cheap Ford Bronco Insurance
Finding cheaper rates on insurance for a Ford Bronco requires being a good driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Set aside time to shop around every couple of years by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The following list is a brief summary of the material that was raised in the charts and tables above.
- Insureds who want an increased level of liability coverage will pay around $400 annually to increase from a 30/60 limit to a 250/500 level
- Drivers age 16 to 20 have the highest car insurance rates, possibly costing $432 each month if the policy includes full coverage
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,660 more annually than a safer driver
- Increasing comprehensive and collision deductibles could save as much as $600 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,800 |
| $250 | $1,612 |
| $500 | $1,398 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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