Ford Bronco Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Ford Bronco are $1,374 annually with full coverage. Comprehensive insurance costs an estimated $270 a year, collision costs $592, and liability coverage is $376. Buying just liability costs around $426 a year, with insurance for high-risk drivers costing $3,006 or more. 16-year-old drivers cost the most to insure at $5,134 a year or more.
Average premium for full coverage: $1,374
Policy rates broken down by type of insurance:
Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Bronco trim levels.
Price Range Variability
For a driver around age 40, Ford Bronco insurance rates go from as cheap as $426 for the bare minimum liability coverage to a high of $3,006 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
The examples above demonstrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than using 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 Information
The chart below details estimated Ford Bronco insurance rates for other coverage scenarios.
- The best full coverage rate is $769
- Raising to $1,000 deductibles will save approximately $1,180 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,374
- Buying low $100 deductibles costs an additional $384 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $3,006 or more
- Policy cost with full coverage for a teenage driver can cost as much as $5,134
Insurance rates for a Ford Bronco also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $5,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 138% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $580 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Ford Bronco insurance rates. A middle-age driver might find rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or at least $1,850 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, so the rates will be varied 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 Cheapest Ford Bronco Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at every policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a recap of the data covered above.
- Consumers who want increased liability limits will pay around $410 every year to raise from a 30/60 limit to higher 250/500 limits
- You may be able to save approximately $170 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $575 each year
- Drivers under the age of 20 are charged the highest rates, as much as $428 each month including comprehensive and collision insurance
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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