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 auto insurance rates for a Ford Bronco are $1,374 annually for full coverage insurance. Comprehensive costs approximately $270 each year, collision costs $592, and liability costs around $376. Buying just liability costs as low as $426 a year, with insurance for high-risk drivers costing around $3,006. Teenage 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:
Includes $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Bronco models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $426 for basic liability insurance to a high rate of $3,006 for coverage for higher-risk drivers.
Price Range by Location
Where you live can make a big difference on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities.
The graphic below illustrates how location impacts auto insurance prices.
These examples illustrate why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based on average rates.
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.
Rate Comparisons
The chart below illustrates estimated Ford Bronco insurance rates for additional coverage and risk scenarios.
- The best discount rate is $769
- Using higher $1,000 deductibles will save $194 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,374
- Using low deductibles for physical damage coverage will cost $1,758
- High-risk insureds who are prone to accidents and violations could pay around $3,006 or more
- The cost with full coverage for a 16-year-old driver can cost $5,134 or more
Auto insurance rates for a Ford Bronco can also vary considerably based on the trim level of your Bronco, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 45% to 138% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $580 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Ford Bronco insurance prices. A driver around age 40 might see rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,850 on average in Florida, New York, 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% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
| 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 Buy the Cheapest Ford Bronco Insurance
Saving money on insurance for a Ford Bronco requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around at least once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following is a recap of the primary concepts that were touched on above.
- It is possible to save around $170 per year simply by quoting online in advance
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,630 more per year for Bronco insurance
- Increasing deductibles could save up to $575 each year
- Teens have the highest car insurance rates, costing up to $428 per month if full coverage is included
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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