Ford Bronco Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Ford Bronco are $1,398 a year for full coverage insurance. Comprehensive insurance costs around $286 a year, collision costs $612, and liability is estimated at $364. Buying just liability costs approximately $416 a year, with insurance for high-risk drivers costing $3,058 or more. 16-year-old drivers receive the highest rates at $5,184 a year or more.
Average premium for full coverage: $1,398
Rate estimates for individual coverage type:
Includes $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Bronco trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $416 for liability-only coverage to a high of $3,058 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than congested cities.
The diagram below illustrates how where you live affects auto insurance rates.
These examples illustrate why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based 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.
Additional Charts and Tables
The chart below illustrates estimated Ford Bronco insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $783
- Choosing higher $1,000 deductibles can save about $1,196 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,398
- Buying low $100 deductibles for comp and collision coverage will cost an extra $402 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,058 or more
- The cost for full coverage for a 16-year-old driver can be $5,184 each year
Auto insurance rates for a Ford Bronco can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay 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 prices. A good driver about age 40 could pay 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.
| 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% |
Opting for high physical damage deductibles can save as much as $610 annually, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 44% to 135% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.
| 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 Find the Cheapest Ford Bronco Insurance
Saving money on insurance for a Ford Bronco takes not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at least once a year by requesting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following is a recap of the primary concepts that were touched on in the above illustrations.
- It is possible to save up to $170 per year simply by quoting early and online
- Drivers considered higher risk that have major violations or accidents may pay on average $1,660 more every year for Bronco insurance
- Increasing deductibles can save around $600 each year
- Teens are expensive to insure, costing up to $432 per month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,800 |
| $250 | $1,612 |
| $500 | $1,398 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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