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 prices for a Ford Bronco are $1,374 every 12 months with full coverage. Comprehensive insurance costs around $270 each year, collision costs $592, and liability costs $376. Liability-only coverage costs as little as $426 a year, with high-risk coverage costing $3,006 or more. Teen drivers receive the highest rates at $5,134 a year or more.
Average premium for full coverage: $1,374
Rate estimates for individual coverage type:
Prices include $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Bronco models.
Price Range by Coverage and Risk
For an average driver, prices range go from the cheapest price of $426 for the bare minimum liability coverage to a high rate of $3,006 for a policy for a high-risk driver.
Price Range by Location
Your location can make a big difference on insurance rates. Areas with sparse population tend to have more infrequent collision claims than larger metro areas.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These examples demonstrate why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on 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 Rate Information
The chart below details estimated Ford Bronco insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $769
- Drivers who choose higher $1,000 deductibles will pay about $194 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,374
- Choosing low deductibles for comprehensive and collision insurance costs an extra $384 annually
- Drivers with multiple violations and an at-fault accident could pay at least $3,006 or more
- The cost to insure a 16-year-old driver can be $5,134 a year
Car insurance rates for a Ford Bronco can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Choosing high deductibles could save up to $580 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $339 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 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can cost from 45% to 138% more than average. View High Risk Driver Rates
Where you live makes a big difference in Ford Bronco insurance prices. A 40-year-old driver could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,850 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to do a rate comparison from multiple companies. Every company uses a different rate calculation, so rate quotes 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 Shop for the Right Ford Bronco Insurance
Saving money on insurance for a Ford Bronco not only requires having a good driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a quick rundown of the coverage data covered in the above illustrations.
- You may be able to save up to $170 per year simply by quoting online in advance
- Increasing deductibles could save as much as $575 each year
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $428 per month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,630 more every year to buy Ford Bronco 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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