Ford Bronco Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Ford Bronco are $1,398 a year for full coverage. Comprehensive insurance costs on average $286, collision insurance costs $612, and liability coverage is estimated at $364. A liability-only policy costs approximately $416 a year, and high-risk insurance costs $3,058 or more. Teen drivers receive the highest rates at up to $5,184 a year.

Average premium for full coverage: $1,398

Rate estimates by individual coverage type:

Comprehensive $286
Collision $612
Liability $364

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different Bronco trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $416 for liability-only coverage to a much higher rate of $3,058 for a driver required to buy high-risk insurance.

Liability Only $416
Full Coverage $1,398
High Risk $3,058

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.

Rural Areas $1,049
Small Cities $1,468
Large Cities $1,887

These examples show why anyone shopping for car insurance should get quotes based on a specific location and risk profile, 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.

Additional Charts and Tables

The chart below shows average Ford Bronco insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $783
  • Choosing higher $1,000 deductibles can save around $202 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,398
  • Choosing more expensive low deductibles for comp and collision coverage will cost an extra $402 each year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $3,058
  • The cost for full coverage for a teenage driver with full coverage may cost $5,184 each year

View Chart as Image

Ford Bronco insurance cost comparison chart
Column chart showing Ford Bronco insurance prices range from $783 to $5,184 for full coverage

Insurance rates for a Ford Bronco can also vary considerably based on your driver profile, the trim level of your Bronco, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards 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 $920 a year in states like Idaho, Maine, and Iowa, or as much as $2,000 on average in Michigan, Louisiana, and New York.

Ford Bronco Insurance Rates by State
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%

View Chart as Image

Ford Bronco insurance rates by U.S. city

Choosing high deductibles can save as much as $610 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance ranges around 44% to 135% more than average. View High Risk Driver Rates

Ford Bronco Insurance Rates by Model Year
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 Find Affordable Ford Bronco Insurance

Saving money on auto insurance takes avoiding accidents and claims, maintaining good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Invest the time to shop around at every policy renewal by quoting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The points below are a brief review of the data illustrated above.

  • Consumers who require increased liability limits will pay about $400 each year to raise limits from a minimum limit to 250/500 limits
  • Drivers can save as much as $170 per year just by shopping early and online
  • Increasing deductibles can save around $600 each year
  • Drivers under the age of 20 pay the highest rates, costing as high as $432 per month for full coverage

Rates by Driver Age

Ford Bronco Insurance 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

Ford Bronco Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,800
$250 $1,612
$500 $1,398
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Ford Bronco Insurance Rates with Different Liability Limits
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

Ford Bronco Insurance 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.

SR-22 Surcharge $203

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
Rate after discounts $783

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

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