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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Ford Bronco owners can expect to pay an average of $109 per month for liability car insurance and $196 for full coverage — slightly more than the average SUV but comparable to its off-road rival, the Jeep Wrangler. The Bronco’s 2020 reintroduction means most models on the road are newer, which drives up insurance costs due to higher values and more expensive repairs.
National General and Safeco offer the most competitive rates, both averaging $109 per month for Bronco drivers, according to our research. This article will explore the best car insurance companies for Ford Broncos and provide an overview of average rates for different driver types, models, and locations.
On average, Ford Broncos cost $157 per month to insure — slightly more than the $135 per month average for all vehicles.
National General and Safeco offer the cheapest Bronco insurance, at $109 per month.
Newer models, like the 2024 Bronco, have higher premiums averaging $181 per month vs. $150 per month for 2021 models.
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The type of policy you choose for your Ford Bronco affects how cheap your car insurance is. Liability-only policies cover damages you cause to others, while full coverage also protects your vehicle.
Here’s how Ford Bronco insurance premiums compare to the national average, according to Compare.com data.
Vehicle | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Ford Bronco | $109 | $196 | $157 |
| All vehicles | $92 | $176 | $135 |
Overall, we found that Ford Bronco owners pay $109 per month for liability-only coverage and $196 for full coverage. Comparing car insurance rates shows that costs can vary significantly according to your age, location, driving history, and other factors.
While the average cost to insure a Ford Bronco hovers around $157 per month, plenty of car insurance comparison sites give you options to bring that number down. Shopping around and comparing car insurance quotes are the best ways to uncover savings that put more money back in your pocket.
With that in mind, let’s take a look at which companies offer the most competitive rates for Broncos, according to our data.
Company | Average Monthly Premium |
|---|---|
| National General | $109 |
| Safeco | $109 |
| Progressive | $121 |
| Mercury | $121 |
| Direct Auto | $131 |
At $109 per month, National General and Safeco tie for the cheapest average rates for Bronco drivers, according to our research. That said, these companies might not offer the lowest prices for everyone. Factors like your age, location, and driving history influence your cost. That’s why it’s crucial to compare quotes from several insurers when shopping for coverage.
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No single “best” insurance company fits every Ford Bronco owner, but some insurers stand out for specific groups. We selected the following three insurance companies based on their average rates for Broncos, available discounts, customer ratings, and coverage options.
Here’s a look at the top picks for different driver demographics and coverage needs.
Average premium: $121 per month
Compare.com Rating: 4.7 out of 5
Snapshot program rewards safe driving
Name Your Price tool helps find coverage within your budget
Plenty of discounts available for commuters
Hit-or-miss customer service
Snapshot usage-based program may raise rates
Higher rates than other insurance companies
Progressive is a top choice for commuters, thanks to its Snapshot telematics program that rewards safe drivers with significant savings on Bronco car insurance. Plus, you’ll get small and large accident forgiveness to keep your rates low. The deductible savings bank is another perk, reducing your comprehensive or collision deductible by $50 each policy period without accidents or violations.
Average premium: $109 per month
Compare.com Rating: 4.3 out of 5
One of the cheapest options for Bronco owners
Flexible payment plans to fit your lifestyle
Robust web-based tools for policy management
Limited coverage options
Below-average customer satisfaction ratings
Lifetime repair guarantee not available in all states
National General caters to Gen X Ford Bronco owners looking to save money, offering the cheapest average rates for Bronco drivers in their 50s and 60s. The company offers savings for bundling auto and home insurance and has a great telematics program for bigger discounts. While the company has limited coverage options, its focus on affordability and flexibility makes it a solid choice if you’re juggling multiple insurance needs.
Average premium: $109 per month
Compare.com Rating: 4.6 out of 5
Wide range of available coverage options
Great telematics program
Accident forgiveness and diminishing deductible available
Below-average customer satisfaction ratings
Lack of clear discount details
Can’t get a quote online
Safeco offers strong protection for Ford Bronco owners. The company’s new vehicle replacement coverage ensures you get a new car if you damage yours beyond repair. And with many customization options, you can get exactly what you need. You can save money for being a good driver with their telematics program, RightTrack, and even get paid for being claims-free.
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The age of your Ford Bronco plays a big role in how much you pay for insurance. Generally, newer cars cost more to insure because they have a higher value. The higher price tag means the insurance company will likely pay more to fix or replace it.
Let’s look at how insurance costs change for different Bronco model years, according to our research.
Bronco Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2024 | $181 | Direct Auto | $153 |
| 2023 | $167 | Direct Auto | $117 |
| 2022 | $152 | Safeco | $109 |
| 2021 | $150 | Direct Auto | $126 |
Even though Bronco models are just a few years old, newer years come with higher average insurance costs — a 2024 Bronco costs $181 per month to insure, much more than a 2021 model.
Next, we’ll examine how Bronco insurance costs change from state to state.
Your location can have a substantial influence on how much you pay for auto insurance. Factors like local traffic patterns, weather conditions, and even state insurance laws can drive your rates up or down. For instance, states with lots of accidents or high repair costs usually mean higher premiums.
Check out the table below to see how insurance costs for Bronco owners stack up in different states, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $137 |
| Arizona | $131 |
| Arkansas | $220 |
| California | $217 |
| Colorado | $130 |
| Connecticut | $305 |
| Delaware | $197 |
| Florida | $229 |
| Georgia | $199 |
| Hawaii | $100 |
| Idaho | $130 |
| Illinois | $139 |
| Indiana | $97 |
| Iowa | $60 |
| Kansas | $147 |
| Kentucky | $242 |
| Louisiana | $150 |
| Maine | $157 |
| Maryland | $264 |
| Massachusetts | $163 |
| Michigan | $223 |
| Minnesota | $96 |
| Mississippi | $152 |
| Missouri | $146 |
| Montana | $170 |
| Nebraska | $176 |
| Nevada | $288 |
| New Hampshire | $110 |
| New Jersey | $96 |
| New Mexico | $107 |
| New York | $198 |
| North Carolina | $98 |
| North Dakota | $142 |
| Ohio | $119 |
| Oklahoma | $178 |
| Oregon | $133 |
| Pennsylvania | $163 |
| Rhode Island | $191 |
| South Carolina | $186 |
| South Dakota | $136 |
| Tennessee | $143 |
| Texas | $163 |
| Utah | $159 |
| Vermont | $134 |
| Virginia | $116 |
| Washington | $124 |
| Washington, D.C. | $210 |
| West Virginia | $152 |
| Wisconsin | $45 |
| Wyoming | $140 |
Our research found that Connecticut tops the list with the highest average premiums for Ford Bronco owners, while Wisconsin has the cheapest prices.
Next, we’ll dive into how your age can affect your Bronco insurance rates.
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Car insurance companies use age to gauge how risky you are to insure, making it a critical rating factor for premiums. Teens typically pay more because they’re new to driving and have a markedly higher risk for car accidents, according to Youth.gov.
Behaviors commonly seen in younger drivers increase their chances of being in an accident. The Centers for Disease Control and Prevention (CDC) reports that drivers under the age of 20 are more likely to engage in risky behaviors like texting or emailing while driving, not wearing seat belts, and driving after drinking alcohol. All that means much higher rates.
But fortunately, you can expect your premiums to drop over time as you age and gain experience as a driver.
Here’s a breakdown of how Ford Bronco insurance rates shift as drivers get older, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $266 | Direct Auto | $202 |
| 20s | $191 | Direct Auto | $144 |
| 30s | $151 | Dairyland | $137 |
| 40s | $136 | Direct Auto | $116 |
| 50s | $137 | National General | $96 |
| 60s | $123 | National General | $62 |
| 70s | $138 | Dairyland | $66 |
Teen drivers face the steepest auto insurance costs, paying an average of $266 per month. But prices drop considerably in your 20s and 30s and continue to drop from there.
Your driving history can tip the scales on what you can expect to pay to insure your Ford Bronco. After all, auto insurance companies use your past behavior to predict future risks.
A clean driving record shows you’re less likely to get into crashes or file claims. Tickets, accidents, and DUIs signal higher risk, prompting insurers to charge more to offset potential payouts.
We’ve broken down how insurance premiums can fluctuate for drivers with different driving records in the table below.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $147 | Safeco | $101 |
| Speeding ticket | $244 | Mercury | $180 |
| At-fault accident | $234 | National General | $124 |
| DUI | $337 | Direct Auto | $170 |
Speeding and at-fault accidents can take a toll on your wallet, but a DUI can send your insurance rates soaring. But even with a less-than-perfect record, you can still find savings.
For instance, National General offers competitive premiums well below the average costs for drivers with an at-fault accident.
Owning a Ford Bronco is all about embracing adventure and enjoying unforgettable journeys. But the Bronco’s unique features can be a determining factor in how much you pay overall for auto insurance.
Here are some Bronco-specific details that could affect your rates:
Off-road capability: Broncos come with G.O.A.T. modes (Goes Over Any Type of Terrain), which means you might take it to off-road trails, where the risk of accidents or damage is higher.
Removable doors and roof: These features enhance the fun factor but might make your Bronco more vulnerable to theft or weather damage.
Advanced 4x4 systems: Standard and advanced 4x4 systems can improve handling, possibly lowering insurance costs.
High-strength steel frame: This feature can provide better crash protection, which could decrease your insurance costs.
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To help you save some cash on your Bronco insurance, here are five tips to help you lower your premiums.
Install security devices: The Ford Bronco’s SecuriLock system and alarm offer protection, but adding dash cameras may save you money by proving fault in accidents, potentially preventing rate hikes after a crash.
Take a defensive driving course: Many insurers offer discounts for safety driving courses. This shows you’re serious about handling your Bronco safely in all conditions.
Go for a higher deductible on comprehensive coverage: If you’re not taking your Bronco off-road often, you might save by increasing your deductible for non-collision damage. Just make sure you can afford the extra out-of-pocket expense if you have to file a claim.
Bundle your policies: Consider combining your home or renters policy with your Bronco insurance to get a multi-policy discount.
Shop around and compare quotes often: Insurance rates change and vary widely between companies. Compare quotes at least once a year to make sure you’re getting the best deal.
Here are answers to some common questions about insuring a Ford Bronco to help you understand what to expect when shopping for insurance.
Ford Broncos are slightly more expensive to insure than the average car, but premiums are in line with similar vehicles like the Jeep Wrangler. The average Bronco costs around $157 per month to insure, according to Compare.com data. The off-road capabilities and higher values contribute to higher premiums, but rates depend on your driving record and location.
On average, Bronco owners pay $157 per month (or $1,884 annually) for car insurance. But your actual rates may be higher or lower depending on your personal factors and coverage choices.
Car insurance for a Ford Bronco is typically more expensive than for a Bronco Sport. The Bronco’s engine has more horsepower and torque, increasing premiums. And Bronco Sports cost less, which generally means cheaper rates. Additionally, the Bronco Sport has more safety features, like a lane-keeping system and a blind spot warning, which reduce insurance costs further.
Ford Broncos and Jeep Wranglers have similar insurance costs. But the Bronco might be slightly more expensive to insure due to its newer design and potentially higher repair costs. That said, the difference is usually small, and your personal factors will have a bigger effect on rates.
Sources:
Ford of Cookeville, “Explore the Evolution of the Iconic Ford Bronco: A Model Timeline,” accessed August 15, 2024.
Sunrise Ford, “2023 Ford Bronco Sport Shines in J.D. Power APEAL Study,” accessed August 15, 2024.
Youth.gov, “Factors that Increase the Risk of Crashes,” accessed August 16, 2024.
Centers for Disease Control and Prevention, “Distracted Driving Risk Factors,” accessed August 16, 2024.
Ford, “Ford Bronco Terrain Management System,” accessed August 16, 2024.
Ford, “Where You’re Going, You Don’t Need Doors,” accessed August 16, 2024.
Ford, “Bronco Hard Top Removal and Storage,” accessed August 16, 2024.
Ford, “Ford Bronco SUV: Two Ways to 4x4,” accessed August 16, 2024.
Ford, “The Ford Bronco Family,” accessed August 16, 2024.
Rob Sight Ford, “2024 Ford Bronco Sport Safety Features Guide,” accessed August 16, 2024.
Westfield Ford, “2024 Ford Bronco® vs. Bronco Sport Comparison,” accessed August 16, 2024.
Insurance Information Institute, “What determines the price of an auto insurance policy?,” accessed August 16, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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