Ford Bronco Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance prices for a Ford Bronco are $1,398 every 12 months for full coverage insurance. Comprehensive costs on average $286, collision costs $612, and liability insurance is $364. Buying just liability costs around $416 a year, with insurance for high-risk drivers costing around $3,058. 16-year-old drivers receive the highest rates at $5,184 a year or more.

Average premium for full coverage: $1,398

Rate estimates by individual coverage type:

Comprehensive $286
Collision $612
Liability $364

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Bronco trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from the cheapest price of $416 for your basic liability-only policy to a much higher rate of $3,058 for a high-risk driver policy.

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

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than congested cities.

The price range example below illustrates how location helps determine car insurance rates.

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

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than relying on rate 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.

More Rate Information

The chart below illustrates estimated Ford Bronco insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $783
  • Raising to $1,000 deductibles will save around $202 each year
  • The average price for a 40-year-old driver with $500 deductibles is $1,398
  • Buying more expensive low deductibles increases the price to $1,800
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,058 or more
  • The cost to insure a teen driver with full coverage may cost $5,184

View Chart as Image

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

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

Opting for high physical damage deductibles can reduce rates by up to $610 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Ford Bronco insurance rates. A middle-age driver might find rates as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,890 on average in Michigan, New York, and Florida.

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

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different.

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 Shop for the Right Ford Bronco Insurance

Saving money on Ford Bronco insurance consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a quick rundown of the information covered in the charts and tables above.

  • It is possible to save as much as $170 per year simply by shopping early and online
  • Youthful drivers are charged the highest rates, costing up to $432 per month if comprehensive and collision insurance is included
  • Increasing deductibles could save as much as $600 each year
  • High-risk drivers with reckless driving or DUI convictions pay on average $1,660 more each year than a low-risk driver
  • Drivers who require more liability protection will pay around $400 annually to raise from a minimum limit to a 250/500 level

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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