Ford Bronco Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Ford Bronco are $1,374 a year for full coverage. Comprehensive costs around $270, collision costs $592, and liability insurance is estimated at $376. Liability-only coverage costs approximately $426 a year, with high-risk coverage costing around $3,006. Teens receive the highest rates at $5,134 a year or more.

Average premium for full coverage: $1,374

Rate estimates for individual coverage type:

Comprehensive $270
Collision $592
Liability $376

Prices include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Bronco models.

Price Range by Coverage and Risk

For the normal driver, prices range go from the low end price of $426 for minimum levels of liability insurance to the much higher price of $3,006 for a policy for a high-risk driver.

Liability Only $426
Full Coverage $1,374
High Risk $3,006

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

These examples show why everyone should get quotes for a specific zip code, rather than relying on averaged prices.

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 Details

The chart below shows estimated Ford Bronco insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $769
  • Choosing higher $1,000 deductibles can save about $194 a year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,374
  • Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,758
  • High-risk insureds with serious driving violations could pay at least $3,006 or more
  • The cost that insures a teen driver for full coverage can be $5,134 each year

View Chart as Image

Ford Bronco insurance cost comparison chart
Column chart showing full coverage Ford Bronco insurance rates range from $769 to $5,134

Car insurance rates for a Ford Bronco can also vary considerably based on the model of your Bronco, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,700 to $2,300 extra per year, depending on your age. Ford Bronco insurance for high-risk drivers ranges anywhere from 45% to 138% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $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 Idaho, Maine, and Iowa, or have to pay at least $1,960 on average in Michigan, Louisiana, and New York.

Ford Bronco Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,240 -$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%

View Chart as Image

Ford Bronco insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know your exact price is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes can be significantly different.

Ford Bronco Insurance Rates by Model Year
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 Ford Bronco insurance takes being safe and accident-free, having a positive credit history, eliminating unneeded coverage, and qualifying for all possible discounts. Compare rates every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a quick rundown of the coverage data presented in the illustrations above.

  • Drivers can save up to $170 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $575 each year
  • Youthful drivers are the costliest to insure, costing as high as $428 per month if full coverage is purchased
  • High-risk drivers with reckless driving or DUI convictions pay on average $1,630 more every year than a low-risk driver

Rates by Driver Age

Ford Bronco Insurance 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

Ford Bronco Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,758
$250 $1,578
$500 $1,374
$1,000 $1,180

Full coverage, driver age 40

Rates by Liability Limit

Ford Bronco Insurance Rates with Different Liability Limits
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

Ford Bronco Insurance 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.

SR-22 Surcharge $200

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
Rate after discounts $769

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

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