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 insurance rates for a Ford Bronco are $1,374 a year for full coverage. Comprehensive costs approximately $270, collision costs $592, and liability coverage is estimated at $376. A policy with just liability insurance costs approximately $426 a year, with coverage for high-risk drivers costing around $3,006. Teen 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:
Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Bronco trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $426 for a discount liability-only rate to a much higher rate of $3,006 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than larger metro areas.
The price range example below illustrates how location impacts auto insurance prices.
These examples show why anyone shopping for car insurance should get quotes using their specific location, rather than using price 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.
Rates by State, City, and Model
The chart below shows estimated Ford Bronco insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $769
- Choosing higher $1,000 deductibles can save $194 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,374
- Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $1,758
- Drivers with multiple violations and an at-fault accident could pay around $3,006 or more
- The cost that insures a teenage driver with full coverage can cost $5,134 each year
Insurance rates for a Ford Bronco can also vary considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance ranges around 45% to 138% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age
Where you live plays a big part in determining prices for Ford Bronco insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or as much as $1,960 on average in New York, Louisiana, 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% |
Choosing high deductibles can save as much as $580 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and rates can be significantly different.
| 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 Right Ford Bronco Insurance
Saving money on auto insurance takes being a low-risk driver, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Shop around at every other renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a quick rundown of the concepts that were touched on above.
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,630 more per year to insure their Bronco
- Teen drivers are the costliest to insure, costing as high as $428 per month if comprehensive and collision insurance is included
- Drivers can save around $170 per year simply by shopping early and online
- Increasing deductibles can save approximately $575 each year
- Drivers can save around $170 per year simply by shopping early and online
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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