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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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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 Ford Bronco Sport owner pays about $151 per month for car insurance, which isn’t too far off from the national average across all vehicles, according to our data. If you’re comparing insurance rates, Mile Auto has the lowest average prices for Bronco Sport drivers, at $75 per month — around half the national average.
While many Bronco Sport rivals come in six or more trim levels, it has just five.[1] Fewer high-end trims mean fewer ultra-expensive components to replace, which may contribute to more affordable rates.
Many factors will influence what you pay for car insurance, including your vehicle’s model year, the state you live in, your age, and even the features you choose. Let’s explore the average costs for the Bronco Sport and how to maximize your savings.
Ford Bronco Sport car insurance averages $106 per month for liability coverage and $196 for full coverage.
Mile Auto is best for budget-conscious Bronco Sport owners, but commuters may find the best deal with State Farm.
Premium trim levels with turbo engines and advanced off-road components, like the Badlands, may cost more to insure than base trims.
Your monthly insurance bill for a Bronco Sport depends on the type of policy you choose. A liability-only policy pays for damage you cause to other people and their property, but full coverage adds protection for your own vehicle.
The table below shows what Bronco Sport owners typically pay each month compared to the national average across all vehicles, according to our data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Ford Bronco Sport | $106 | $196 | $151 |
| All vehicles | $107 | $197 | $152 |
Bronco Sport owners pay $106 per month on average for basic liability coverage and $196 per month for the upgraded protection of full coverage. Rates aren’t set in stone, though.
Where you park at night, your driving history, and your age affect your auto insurance quotes. We’ll discuss how rates vary by these factors later.
Regardless of average rates, you have plenty of options to trim your Bronco Sports insurance costs.
The table below highlights the five cheapest car insurance companies for your Bronco Sport, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $75 |
| Root | $93 |
| Mercury | $107 |
| Safeco | $113 |
| Clearcover | $119 |
Mile Auto comes in as the cheapest insurer, with rates averaging just $75 per month for the Bronco Sport. That said, what’s cheaper for some drivers may not be the cheapest for you. The only way to know for sure is to get auto insurance quotes from several companies. You use an insurance comparison site to compare costs and features side by side.
Now, let’s zoom in on which insurers might be the best fit for different types of Bronco Sport drivers.
Get personalized quotes from top insurance companies.
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You may drive the same car, but there’s no single best insurer for every Bronco Sport owner. The right insurance company varies from driver to driver.
We’ve analyzed dozens of companies to find the best option for certain types of Bronco Sport drivers. The companies below stand out for a combination of average rates, available discounts, customer satisfaction ratings, and coverage options.
Compare.com Rating: 4.23 out of 5
New car replacement coverage for up to five years
Lower deductible for glass-only claims
Plenty of customizable policy options
Travelers has excellent coverage for Bronco Sport owners who want protection as rugged as their adventures. Premier new car replacement coverage lasts for the first five years of ownership, and glass coverage with reduced deductibles is crucial when rocks inevitably kick up on forest trails.
Gap insurance, accident forgiveness, and roadside assistance are also available. Though its Google Play reviews are low, Travelers’ mobile app has great reviews in the App Store.
Compare.com Rating: 3.28 out of 5
Cheap rates for Bronco Sport owners
Flexible deductibles and payment options
No driving-behavior monitoring
Limited to 10,000 miles annually
Monthly mileage reporting required
Only available in a few states
Mile Auto has some of the most wallet-friendly rates for Bronco Sport owners. The company’s pricing is usage-based, charging a set cost plus a small amount for each mile you drive each month. It’s perfect if you use your Ford Bronco Sport as a weekend trail warrior or secondary vehicle. Add-ons include rental reimbursement and roadside assistance.
Compare.com Rating: 5.0 out of 5
Two safe driving discounts
Highly rated mobile app[4]
Above-average customer reviews
Limited add-on options
Gap insurance not available
Policies not available online
State Farm is among the best insurers for Bronco Sport owners who spend more time on highways than hiking trails. The Drive Safe and Save program is a major benefit for everyday commuters. It’s a safe driving discount that can knock up to 30% off your premiums. You can also access a huge network of local agents who can help when you’re in a pinch, and the app makes filing claims painless.
Compare personalized quotes from dozens of top insurers.
Your vehicle’s age matters when it comes to car insurance. A shiny new Bronco Sport might turn heads, but it also means you’ll pay more for insurance. Car insurers look at your car’s value when calculating insurance premiums. A new Bronco costs more to replace than an older model, so you’ll pay more to insure it.
Check out the table below to see just how your Bronco Sport’s model year can affect your average monthly premium, according to Compare.com data.
Bronco Sport Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2024 | $161 | Mile Auto | $80 |
| 2023 | $155 | Mile Auto | $77 |
| 2022 | $152 | Mile Auto | $76 |
| 2021 | $138 | Mile Auto | $69 |
Your model year isn’t the only factor affecting your rates. Where you live can make a big difference, too, as we’ll see next.
Your ZIP code and state affect your Bronco Sport insurance rates almost as much as your driving record does. States with high population density, frequent severe weather, or sky-high repair costs tend to charge more for coverage.
Here’s what Bronco Sport owners pay across the country on average, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $99 |
| Arizona | $133 |
| Arkansas | $191 |
| California | $192 |
| Colorado | $156 |
| Connecticut | $303 |
| Delaware | $185 |
| Florida | $195 |
| Georgia | $198 |
| Idaho | $100 |
| Illinois | $124 |
| Indiana | $107 |
| Iowa | $90 |
| Kansas | $122 |
| Kentucky | $195 |
| Louisiana | $180 |
| Maine | $118 |
| Maryland | $274 |
| Massachusetts | $150 |
| Michigan | $233 |
| Minnesota | $150 |
| Mississippi | $150 |
| Missouri | $146 |
| Montana | $121 |
| Nebraska | $140 |
| Nevada | $237 |
| New Hampshire | $91 |
| New Jersey | $158 |
| New Mexico | $115 |
| New York | $383 |
| North Carolina | $75 |
| North Dakota | $115 |
| Ohio | $101 |
| Oklahoma | $129 |
| Oregon | $128 |
| Pennsylvania | $130 |
| Rhode Island | $114 |
| South Carolina | $219 |
| South Dakota | $96 |
| Tennessee | $112 |
| Texas | $177 |
| Utah | $145 |
| Vermont | $108 |
| Virginia | $144 |
| Washington | $111 |
| District of Columbia | $227 |
| West Virginia | $115 |
| Wisconsin | $101 |
| Wyoming | $96 |
The state-by-state differences can be pretty significant, but another element can cause your rates to swing high and low: your age. Crash data consistently shows teenagers are more likely to be in a fatal accident than experienced drivers, and the risk is higher if their friends are in the car, according to the National Highway Traffic Safety Administration (NHTSA).[5]
The table below shows how Bronco Sport insurance rates shift across age groups and the cheapest insurer and its average premium for each age group, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $284 | Mile Auto | $142 |
| Adults | $138 | Mile Auto | $69 |
| Seniors | $116 | Mile Auto | $58 |
Teen drivers pay more than double what adults pay for car insurance coverage, while seniors enjoy the lowest rates of all. Notably, Mile Auto is the cheapest insurance company for all three age groups.
Your driving history follows you everywhere. Even minor slip-ups can increase your rates for years. That’s because insurance companies see past mistakes as predictors of future risk and charge accordingly. Drivers with clean records enjoy some of the best rates.
Here are the average monthly Bronco Sport rates for different driving profiles and the cheapest insurers for each, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $151 | Mile Auto | $75 |
| Speeding ticket | $210 | Mile Auto | $104 |
| At-fault accident | $219 | Mile Auto | $109 |
| DUI | $248 | Mile Auto | $124 |
A single DUI adds nearly $100 to your monthly premium if you drive a Bronco Sport. That’s almost $1,200 extra per year. A speeding ticket can add around $60 to your monthly bill. Still, Mile Auto leads as the cheapest insurer regardless of your record.
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Different features and options can affect your auto insurance rates. The Bronco Sport has several features that can push your rates in different directions.
Trim level choice: The Badlands trim with its turbocharged engine and specialized suspension can mean pricier repairs after accidents, making it more expensive to insure.
Crash-test ratings: A five-star safety rating from NHTSA can help lower your insurance rates.[6]
Safety features: Standard Co-Pilot360 Assist+ — with automatic emergency braking, blind-spot monitoring, and lane-keeping — can earn you discounts from some insurers.
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Even though Bronco Sport car insurance rates are on par with the national average, you don’t have to settle for the status quo. Here’s how to save on your premiums.
Skip the Badlands trim. The Big Bend or Outer Banks trims can give you the Bronco experience with potentially lower premiums.
Opt for usage-based insurance. If you don’t drive your Bronco Sport daily, usage-based coverage can help reduce your car insurance bill.
Increase your deductible. A higher deductible can translate into cheaper insurance, but it means you pay more out of pocket if you file a claim.
Bundle policies. Many insurers offer multi-policy discounts when you buy auto insurance and homeowners or renters insurance through the same company.
Compare quotes every six months. Insurance companies regularly adjust rates, so it’s a good idea to shop for auto insurance quotes twice per year. It’s the single most effective way to save.
Compare personalized quotes from dozens of the nation’s top insurers.
If you still have questions about insuring your Bronco Sport, here are the most common questions people ask about Ford Bronco Sport auto insurance.
No. Ford Broncos aren’t expensive to insure, according to our research. Ford Bronco Sport car insurance is slightly less than the national average, at $151 per month, while the national average for all vehicles is $152.
Mile Auto offers the lowest rates for Bronco Sport owners, with premiums averaging just $75 per month, according to our data. Root comes in second, at $93 per month, followed by Mercury, at $107.
Car insurance for a 2024 Ford Bronco Sport costs around $161 per month, according to Compare.com data. Insurance for newer Ford Bronco models costs more than older models due to the increased value and replacement cost of newer vehicles.
The Ranger is typically the cheapest Ford vehicle to insure, with an average monthly premium of $144, according to our data. It’s a good idea to get insurance quotes before buying your next vehicle. Insurance prices can have a significant effect on your total vehicle expenses.
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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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.
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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