It costs more to insure a Ford Bronco Sport than the average SUV.
Full coverage for a Bronco Sport usually comes in at about $181 per month, while liability only auto insurance costs come in at around $61.
At as cheap as $39 monthly for liability only coverage, Hugo is the cheapest car insurance carrier for a Bronco Sport.
In This Article
Bronco Sport Overview
The Ford Bronco Sport is a great budget-friendly car for drivers of all types, with a base price of just $26,660 for new 2021 models. While it on the affordable end of the spectrum when it comes to overall price point, it's also a smart option for your budget when taking auto insurance premiums into consideration.
We ran through thousands of insurance quotes on Compare.com, and we've found that Ford Bronco Sport car insurance prices average out to about $153 per month. Compared to other vehicles in the market, how do Bronco Sport auto insurance rates stack up?
|Current Base Price||$26,660|
|Trim Levels||BIG BEND, FIRST EDITION, BADLANDS, BRONCO SPORT, OUTER BANKS|
|Average Insurance Premium||$153/mo.|
|Cheapest Insurance Company||Hugo|
How Much is Car Insurance for a Ford Bronco Sport?
|Vehicle||Liability Only||Full Coverage|
|Ford Bronco Sport||$61||$181|
|All Ford Models||$78||$162|
|Average Insurance Premium||$81||$169|
In the table above, you'll see that Ford Bronco Sport insurance costs are right around average compared to other vehicles on the road. On average, Bronco Sport drivers will pay about $181 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $61 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).
Compared to other models, the Bronco Sport is more expensive, with rates more than 10% higher than Ford's other vehicle offerings. But compared to other vehicles of a similar body style, Bronco Sport coverage runs close to average, with full coverage insurance premiums coming in at $29 higher than other SUVs and liability insurance prices at $20 cheaper.
The same can be said, that the Bronco Sport's insurance costs run around average, when comparing the Ford Bronco Sport to vehicles of any body type, no matter what make, model, or body style they are.
Who has the Cheapest Car Insurance for a Ford Bronco Sport?
|Insurance Company||Average Monthly Premium|
Are you looking for a auto insurance policy for your Ford Bronco Sport? You're likely interested in which company offers the cheapest prices. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $39 per month from Hugo. The next lowest carrier is Esurance, who offers car insurance as cheap as just $48 a month.
Completing the top 5 companies are DirectGeneral, Mercury, and Commonwealth Casualty. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.
Car insurance companies take a range of different variables into consideration when calculating how much to charge you. By pulling quotes from a variety of auto insurance carriers at once, you can be confident you're finding the most affordable rate.
What Factors Affect Car Insurance Rates for a Ford Bronco Sport?
There are several factors that insurance companies take into account to choose how much to charge you -- and every company weighs certain variables more than others, so there's not a single carrier that's the cheapest for everyone.
Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$61|
|2-3 Years||Not Enough Data|
|4-5 Years||Not Enough Data|
|6-7 Years||Not Enough Data|
|8-10 Years||Not Enough Data|
|11-14 Years||Not Enough Data|
|15 Years or Older||Not Enough Data|
The Ford Bronco Sport has only been around for one model year, which means vehicle age won't come into play the same way it might for other vehicles. Usually, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.
Next year, we'll have a better idea of the differences in premiums for each model year, but for now we see that a Bronco Sport less than one year old will be around $61 per month to insure.
|Age||Average Monthly Premium|
|Under 18||Not Enough Data|
|65 or Older||Not Enough Data|
Your age is another variable that makes a significant difference in how much you pay for auto insurance. Because the Ford Bronco Sport is pretty new to the market, we're just starting to collect data on how age is affecting car insurance prices. So far, based on the table above, older Bronco Sport drivers have cheaper rates than those with less experience on the road.
Auto insurance prices continue to go down as you get older, with the cheapest age group for Bronco Sport drivers being 35-44.
|Gender||Average Monthly Premium|
Because women are less likely to get tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, insurance carriers will tend to charge women less than men. When it comes to Bronco Sport drivers specifically, women pay about $56 monthly for insurance and men pay around $63.
Where You Live
|State||Average Monthly Premium|
You may think it's obvious that factors such as what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live matters, too? Insurance is regulated on a state-by-state basis, so costs change quite a bit from state to state.
Because the Bronco Sport is a relatively new vehicle, our data sets are somewhat limited. Even so, you can see in the table above that rates can vary quite a bit from one state to the next.
Ford Bronco Sport Car Insurance Discounts
Regardless of what car you drive, how old you are, or what state you live in, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.
Even though all insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include discounts like:
- Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
- Defensive driving discounts for taking a defensive driving class through an accredited school or institution
- Multi-policy discounts for getting both your home and auto policies from the same insurance company
- Pay-in-full discounts for agreeing to pay your entire policy cost up front, rather than by monthly payments
While taking advantage of discounts is always a smart way to save money on your auto insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.
Although you can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), there is quite a bit that you do have control over. Below are just a few of the things you can use to your favor in order to save money on insurance:
Your Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
You've no doubt observed ads from car insurance companies posting large savings for safe drivers. It makes sense that your auto insurance rates will go up if you get speeding tickets or get into an accident. But exactly how much can these infractions cost you?
Unfortunately, we don't have enough data on file for Ford Bronco Sport drivers specifically, since it is a relatively new SUV. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost Bronco Sport owners when it comes to insurance.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
Another factor that plays a role in your auto insurance premiums is how much you drive annually. Those who drive less often are less likely to get speeding tickets, so they'll typically be offered more affordable rates. Since the Ford Bronco Sport is a new SUV, our data is relatively limited, so we don't yet know how much annual driving distance will affect premiums.
But if you don't use your Ford Bronco Sport that often, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.
How Do Ford Bronco Sports Compare to Other Vehicles?
If you're considering making a Ford Bronco Sport your next vehicle, it might be helpful to do your research. Car insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering.
Visit the table below to see how the Ford Bronco Sport stacks up:
|Ford Bronco Sport||National Average|
|Full Coverage Insurance||$181||$169|
|Average Annual Mileage||8,385||11,681|
With an MSRP that's a third less than the going rate for a new vehicle, the Ford Bronco Sport is a great value when it comes to price. The Bronco Sport starts at $26,660, which is much cheaper than the national average vehicle price of $46,228.
Similarly, insurance costs are slightly lower when compared to other vehicles on the market. Full coverage insurance for a Ford Bronco Sport is about $12 per month more expensive than average, while liability only coverage is more than $20 cheaper monthly.
When it comes to usage, Ford Bronco Sport drivers are far from the national average in annual miles driven, with 8,385 miles every year compared to 11,681 for all vehicles.
Ford Bronco Sport Car Insurance Costs by Model Year
So far, you've seen how different variables affect how much you might pay for car insurance. But if you're considering buying a new Bronco Sport, knowing what you'll likely pay can be extremely helpful as you weigh your options.
That's why we've done the heavy lifting and analyzed Ford Bronco Sport insurance prices by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options, as well as some other helpful info, such as cheapest insurance carrier available trims for each Bronco Sport model year.
2021 Ford Bronco Sport Car Insurance
|Liability Only Avg. Premium||$61|
|Full Coverage Avg. Premium||$181|
|Cheapest Insurance Company||Hugo - $23/mo.|
|Available Trims||BADLANDS, BIG BEND, BRONCO SPORT, FIRST EDITION, OUTER BANKS|
If you're looking for a brand new Ford Bronco Sport, you're looking at a starting price of $26,660, but with five different trim levels available on this year's Bronco Sport, the price can vary quite a bit.
On average, it costs around $61 a month to insure a 2021 Ford Bronco Sport for liability only and $181 monthly for full coverage. And if you want the lowest insurance possible, Hugo offers liability only policies for sometimes as little as $23 per month.
Even though it's great to know the average price drivers pay for insurance, you'll never know exactly how much you'll pay without getting a personalized quote. With Compare.com, you can get multiple quotes at once, all for free. Just enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.
Ford Bronco Sport Insurance FAQs
Is a Ford Bronco Sport expensive to insure?
Liability insurance runs an average of $61 a month, while full coverage will cost you around $181. When compared to the national average of all SUVs, costs come in on the more expensive end of the spectrum.
How can I get the best price on car insurance for my Ford Bronco Sport?
There's only one way to ensure you're getting the most affordable rates -- checking prices regularly and comparing quotes from a wide array of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from quite a few companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.
Does the color of my Ford Bronco Sport affect my insurance premiums?
You might have heard the old adage that red cars cost more to insure, but that's just a myth. Although there are lots of factors auto insurance carriers use when they calculate your prices, the color of your Bronco Sport is not on that list.
Do I need to have insurance before I buy a Ford Bronco Sport?
Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid insurance for it. Some dealerships may offer you a car insurance policy as part of the car-buying process, but the easiest thing to do is to let your car insurance company know ahead of time.
What car insurance discounts can I get for my Ford Bronco Sport?
There are tons of discounts out there when it comes to auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your Ford Bronco Sport and more on you, but if your Bronco Sport has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The best way to find out is to talk with your insurance agent and ask about which discounts they offer.