Ford Bronco Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance prices for a Ford Bronco are $1,374 every 12 months for full coverage. Comprehensive costs around $270 a year, collision insurance costs $592, and liability costs around $376. A policy with just liability insurance costs as low as $426 a year, and coverage for high-risk drivers costs around $3,006. Teen drivers pay the highest rates at up to $5,134 a year.

Average premium for full coverage: $1,374

Price estimates for individual coverage:

Comprehensive $270
Collision $592
Liability $376

Includes $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Bronco trim levels.

Price Range from Low to High

For an average driver, Ford Bronco insurance prices range from the cheapest price of $426 for minimum levels of liability insurance to a high of $3,006 for high-risk insurance.

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

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population have more infrequent accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance rates.

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

The ranges above show why it is important to compare prices 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 Details

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

  • The lowest rate with discounts is $769
  • Using higher $1,000 deductibles will save about $1,180 a year
  • The average price for the average middle-age driver using $500 deductibles is $1,374
  • Choosing low $100 deductibles for physical damage coverage increases the price to $1,758
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $3,006
  • The price to insure a 16-year-old driver can be $5,134 or more

View Chart as Image

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

Insurance prices for a Ford Bronco are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $580 annually, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $339 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be from 45% to 138% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Ford Bronco insurance prices. A driver around age 40 might see prices as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $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
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 Shop for the Cheapest Ford Bronco Insurance

Getting lower rates on insurance for a Ford Bronco requires having a good driving record, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Take the time to compare rates every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a recap of the material that was covered in the above illustrations.

  • Insureds who may need increased levels of liability coverage will pay about $410 each year to increase from a low limit to a 250/500 level
  • Drivers age 20 and younger pay higher prices, with premiums as much as $428 a month if they have full coverage
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,630 more every year to buy Ford Bronco insurance
  • Increasing physical damage deductibles could save as much as $575 each year

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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