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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The average cost of car insurance for a Ford Bronco is $149 per month, according to our data. That’s slightly below the national average for all vehicles — $152 per month. Bronco drivers pay a monthly average of $105 for liability coverage and $193 for full coverage.
But your insurance rate could be higher or lower depending on the model year you drive and personal factors like your driving record, age, and the state you live in. Regardless, you can get cheaper rates with companies like Mercury — the cheapest insurer on our list.
This guide will help you find the best car insurance company for your Ford Bronco and save money.
Mercury, Safeco, and Direct Auto offer the cheapest average rates for a Ford Bronco.
Bronco drivers in North Carolina pay the cheapest average rates, but New York Bronco drivers pay the most.
Mercury is the cheapest insurer for Broncos, with an average rate of $109 per month.
Average car insurance rates depend largely on the type of policy you choose. Most U.S. states require liability insurance, which covers injuries and damages to the other driver if you cause an accident.
It’s cheaper than full-coverage car insurance, which is optional but highly recommended. Full coverage offers more protection and typically includes collision and comprehensive coverage, which cover your injuries and vehicle damage.
The table below shows the average monthly rates for both liability and full-coverage policies and how each compares to the national average of all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Ford Bronco | $105 | $193 | $149 |
| All vehicles | $107 | $197 | $152 |
Ford Bronco drivers pay an average of $105 per month for liability coverage and $193 for full coverage, both slightly below their respective national averages.
Next, we’ll take a look at some of the cheapest car insurance companies for Ford Bronco insurance.
No matter the average rates, you can still find ways to save money on your policy. Plenty of car insurance companies offer rates below the national average.
We’ve done the research to get you started. The table below shows the five cheapest car insurance companies for Ford Bronco insurance, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mercury | $109 |
| Safeco | $110 |
| Direct Auto | $119 |
| National General | $121 |
| Elephant | $144 |
Mercury offers the cheapest car insurance for Bronco drivers, with an average rate of just $109 per month.
But while these are the cheapest companies on average, they might not be the cheapest for you. It’s important to compare car insurance quotes from multiple insurers before buying a policy.
In the following section, we’ll take a look at some of the best car insurance companies for different types of Ford Bronco drivers.
Get personalized quotes from top insurance companies.
No single car insurance company will be the best option for every Bronco owner. Every driver is unique, with varying driving histories, ages, and locations. Car insurance companies weigh these factors differently, so the best insurer for your neighbor might not be the best for you.
That said, we chose the following three car insurance companies based on a combination of average rates for the Bronco, available discounts, customer ratings and reviews, and coverage options.
Compare.com Rating: 4.17 out of 5
Among the cheapest insurers for Broncos
24/7 claims filing online or over the phone
Rideshare insurance available
Mercury offers some of the cheapest car insurance policies available for a Ford Bronco, making it a great option for Bronco owners on a budget. The insurer offers various discounts, including digital, no accidents or tickets, and policy bundling.
The insurer also offers add-on coverages, such as gap insurance, rideshare insurance, and rental car reimbursement, so you can customize your full-coverage policy to fit your needs.
Compare.com Rating: 4.5 out of 5
Many discounts available
Several coverage options
Claim forgiveness available
Not many local agents
Low Trustpilot rating[3]
Gap coverage not available
GEICO is one of the best options for Ford Bronco drivers who are looking to take advantage of discounts. The insurer offers a whopping 23 discounts, including defensive driving, good student, and multi-policy discounts. Bronco owners can potentially stack these discounts and enroll in GEICO’s safe driving program, DriveEasy, to help further lower rates.
Compare.com Rating: 4.81 out of 5
Available in every state
High claims and customer satisfaction
Exclusive discounts and perks
Not available to non-military customers
Low Trustpilot rating[4]
Not many physical locations
USAA is an excellent choice for Ford Bronco drivers who are active military, veterans, or qualifying family members of either. The insurer is known for its excellent customer service and military discounts, such as car storage and garaging on a military installation.
It also offers many other insurance and financial products and membership perks, like travel discounts for cruises, rental cars, and resorts.
Compare personalized quotes from dozens of top insurers.
Your car’s age can affect its insurance premiums. Typically, the newer your model, the more it’s worth. That means that most insurance companies charge higher premiums for newer vehicles than for older models.
Take a look at the table below to see how your Ford Bronco’s model year can affect your average monthly rate, according to Compare.com data.
Bronco Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2024 | $155 | Mercury | $114 |
| 2023 | $165 | Mercury | $121 |
| 2022 | $152 | Mercury | $111 |
| 2021 | $135 | Mercury | $98 |
Model year is just one of many factors affecting how much you’ll pay for car insurance. Let’s take a look at how Ford Bronco car insurance rates vary by state.
Where you live has a significant effect on your car insurance rates. Car insurance companies consider your state, city, and even ZIP code when setting rates since every location has different risk factors. That’s why drivers in rural areas often enjoy lower rates than drivers in urban areas due to fewer vehicles on the road, which decreases the chance of an accident.
Check out the table below to see the average premiums Ford Bronco owners pay by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $98 |
| Arizona | $131 |
| Arkansas | $188 |
| California | $189 |
| Colorado | $154 |
| Connecticut | $298 |
| Delaware | $182 |
| Florida | $192 |
| Georgia | $195 |
| Idaho | $99 |
| Illinois | $122 |
| Indiana | $106 |
| Iowa | $89 |
| Kansas | $120 |
| Kentucky | $192 |
| Louisiana | $177 |
| Maine | $116 |
| Maryland | $270 |
| Massachusetts | $148 |
| Michigan | $230 |
| Minnesota | $148 |
| Mississippi | $148 |
| Missouri | $144 |
| Montana | $119 |
| Nebraska | $138 |
| Nevada | $234 |
| New Hampshire | $90 |
| New Jersey | $156 |
| New Mexico | $113 |
| New York | $378 |
| North Carolina | $73 |
| North Dakota | $113 |
| Ohio | $100 |
| Oklahoma | $127 |
| Oregon | $126 |
| Pennsylvania | $128 |
| Rhode Island | $113 |
| South Carolina | $215 |
| South Dakota | $95 |
| Tennessee | $111 |
| Texas | $174 |
| Utah | $143 |
| Vermont | $107 |
| Virginia | $142 |
| Washington | $110 |
| District of Columbia | $223 |
| West Virginia | $113 |
| Wisconsin | $100 |
| Wyoming | $95 |
Your age is one of the most important rating factors for car insurance because it tells insurance companies how much driving experience you might have. For example, younger drivers almost always pay higher rates than older drivers because they have less driving experience.
In fact, drivers between the ages of 15 and 20 have the highest number of fatal crashes of any age group, according to the National Highway Traffic Safety Administration (NHTSA).[5]
Here’s what Bronco owners in different age groups pay for car insurance and the cheapest company for each group, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $280 | Mercury | $205 |
| Adults | $136 | Mercury | $100 |
| Seniors | $114 | Mercury | $84 |
Mercury offers the cheapest average rates for all three age groups, according to our research. Once drivers reach adulthood, Bronco rates drop by about $144 per month. Insurance rates continue to decrease as you age, provided you have a clean driving record.
Your driving record also plays a big role in how much you pay for coverage because it’s a direct indication of how you drive. Past infractions mean you’re more likely to get into other accidents and file claims, so drivers with clean records almost always pay less than drivers with multiple violations.
The table below features the average premiums for Bronco drivers with different driving records and the insurers offering the cheapest rates for each, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $149 | Mercury | $109 |
| Speeding ticket | $206 | Mercury | $151 |
| At-fault accident | $215 | Mercury | $158 |
| DUI | $245 | Mercury | $179 |
Driving under the influence (DUI) will increase your rates the most, by nearly $100 per month. A speeding ticket will result in a lower increase of $57 per month, on average.
Keeping your driving history spotless is one of the best ways to make sure your Ford Bronco car insurance stays cheap.
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The options you choose for your Ford Bronco can influence your rates. Car insurance companies take safety features into account when determining rates because they can have a direct effect on how safe your car is. The NHTSA gave the 2024 Ford Bronco a five-star overall safety rating,[6] which could be why Broncos cost less to insure than Jeep Wranglers.
Here are the advanced safety features you’ll find in the 2025 Ford Bronco:
Adaptive cruise control with stop/go
Lane-keeping assist
Blind-spot monitoring
Pre-collision assist with automatic emergency braking[7]
Whether or not these features will reduce your rates depends on several factors, such as your existing driving history and your car insurance company.
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If you’re looking to get cheaper car insurance for your Ford Bronco, you have numerous ways to do it. Consider the following tips to lower your car insurance rates:
Maintain a clean driving record. The best way to keep your rates low is to avoid tickets, accidents, and other infractions. Bronco drivers who keep their records spotless may qualify for a safe driver discount, depending on their insurance company.
Opt for a higher trim. Higher trim models of the Ford Bronco come with additional safety features, which may help lower your rates. Car insurance companies consider these safety features when determining how likely you are to file a claim.
Raise your deductible. Increasing your car insurance deductible will automatically lower your car insurance premium. Just make sure that you can afford the higher deductible if you ever need to file a claim.
Ask about discounts. Car insurance discounts are one of the best ways to lower your car insurance rates. Bronco drivers should consider safe driver, vehicle safety, and bundling discounts, just to name a few. Ask your insurance agent what discounts you qualify for.
Compare car insurance quotes. All drivers should take the time to compare car insurance quotes from at least three insurers every six months. This is the best way to ensure you’re getting the best possible rate for your Ford Bronco.
Compare personalized quotes from dozens of the nation’s top insurers.
Finding the right car insurance can be tricky. Take a look at these answers to some of the most commonly asked questions about Ford Bronco auto insurance to ensure you choose the right company.
No. Ford Broncos aren’t typically expensive to insure, according to our data. The average cost to insure a Bronco is $149 per month, slightly below the national average car insurance cost of $152 per month.
Mercury is the cheapest insurance company for a Ford Bronco, with an average monthly rate of $109 per month. It’s followed closely by Safeco and Direct Auto, with average monthly rates of $110 and $119, respectively.
Car insurance for a 2024 Ford Bronco costs an average of $155 per month, according to our data. But Bronco 2024 owners may be able to get a lower rate with Mercury, at an average monthly premium of $114.
The Ranger is the cheapest Ford to insure, with an average rate of $144 per month, according to our data.
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.
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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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