Ford Bronco insurance costs average $103 per month for minimum coverage and $201 monthly for full coverage. Depending on your trim and model year, costs can range from $77 to $381 monthly.
Ford Bronco Insurance Cost
Updated: December 29, 2025
Key Takeaways
Ford Bronco insurance costs range from $89 to $381 monthly, with premiums varying based on specific trim level and model year you choose.
The Ford Bronco ranks 526th out of 827 vehicle models for insurance affordability in the U.S. automotive market from 2000 through 2025.
GEICO offers the most affordable Ford Bronco insurance with full coverage at $161 monthly and minimum coverage at $74.
How Much Is Ford Bronco Insurance?
| Ford Bronco | $103 | $201 |
Ford Bronco Insurance Cost by Model Year
Your Ford Bronco's model year affects insurance rates, with newer models costing more because of their higher value. Monthly premiums range from $92 for older Broncos to $236 for the newest models.
| 2025 | $121 | $236 |
| 2024 | $118 | $229 |
| 2023 | $101 | $197 |
| 2022 | $92 | $179 |
| 2021 | $98 | $191 |
Ford Bronco Insurance Cost by Trim
Ford Bronco insurance rates vary by trim level based on vehicle value, replacement costs and theft risk. Monthly premiums range from $83 to $370 depending on your specific trim and coverage level.
| Big Bend Sport Utility 2d | $83 | $160 |
| Black Diamond Sport Utility 2d | $83 | $161 |
| Bronco | $83 | $162 |
| Sport Utility 2d | $85 | $164 |
| Big Bend Sport Utility 4d | $86 | $167 |
| Big Bend | $87 | $169 |
| Black Diamond Sport Utility 4d | $89 | $173 |
| Outer Banks Sport Utility 2d | $90 | $175 |
| Outer Banks Sport Utility 4d | $92 | $179 |
| Black Diamond | $92 | $180 |
| Sport Utility 4d | $93 | $180 |
| Badlands Sport Utility 2d | $93 | $181 |
| Heritage Edition Sport Utility 2d | $96 | $186 |
| Wildtrak Sport Utility 2d | $100 | $194 |
| Heritage Edition Sport Utility 4d | $102 | $198 |
| Outer Banks | $102 | $198 |
| Badlands Sport Utility 4d | $104 | $202 |
| Everglades Sport Utility 4d | $104 | $203 |
| Heritage Edition | $106 | $206 |
| Badlands | $106 | $207 |
| Wildtrak Sport Utility 4d | $107 | $208 |
| First Edition Sport Utility 2d | $116 | $226 |
| Everglades | $117 | $227 |
| Heritage Limited Edition Sport Utility 2d | $120 | $234 |
| Heritage Limited Edition Sport Utility 4d | $125 | $243 |
| Wildtrak | $127 | $246 |
| First Edition Sport Utility 4d | $129 | $251 |
| Raptor Sport Utility 4d | $141 | $274 |
| Heritage Limited Edition | $147 | $286 |
| Stroppe Edition | $162 | $315 |
| Raptor | $190 | $370 |
Ford Bronco Insurance Cost by Company
Ford Bronco insurance costs vary by provider from $117 to $261 monthly. Minimum coverage ranges from $74 to $176, while full coverage costs $161 to $373. Rates vary because insurers use different risk assessment models.
| GEICO | $74 | $161 |
| Travelers | $88 | $162 |
| State Farm | $98 | $205 |
| Progressive | $104 | $196 |
| Nationwide | $111 | $192 |
| AAA | $118 | $245 |
| The Hartford | $122 | $207 |
| Amica | $122 | $250 |
| Allstate | $127 | $246 |
| Kemper | $133 | $273 |
| Chubb | $141 | $278 |
| Farmers | $146 | $258 |
| AIG | $149 | $373 |
| UAIC | $176 | $221 |
Ford Bronco Insurance Cost by State
Ford Bronco insurance costs vary dramatically by state, ranging from $77 monthly in Wyoming to $311 in Louisiana.
| Alabama | $85 | $161 |
| Alaska | $72 | $153 |
| Arizona | $121 | $226 |
| Arkansas | $87 | $196 |
| California | $102 | $208 |
| Colorado | $101 | $243 |
| Connecticut | $140 | $241 |
| Delaware | $141 | $237 |
| Florida | $128 | $297 |
| Georgia | $151 | $251 |
| Hawaii | $52 | $118 |
| Idaho | $56 | $115 |
| Illinois | $96 | $180 |
| Indiana | $67 | $132 |
| Iowa | $61 | $147 |
| Kansas | $78 | $182 |
| Kentucky | $128 | $219 |
| Louisiana | $198 | $425 |
| Maine | $55 | $113 |
| Maryland | $154 | $260 |
| Massachusetts | $100 | $213 |
| Michigan | $165 | $316 |
| Minnesota | $84 | $173 |
| Mississippi | $91 | $182 |
| Missouri | $129 | $261 |
| Montana | $80 | $190 |
| Nebraska | $77 | $177 |
| Nevada | $180 | $326 |
| New Hampshire | $72 | $128 |
| New Jersey | $164 | $270 |
| New Mexico | $88 | $197 |
| New York | $131 | $236 |
| North Carolina | $84 | $164 |
| North Dakota | $63 | $138 |
| Ohio | $77 | $150 |
| Oklahoma | $94 | $210 |
| Oregon | $122 | $213 |
| Pennsylvania | $89 | $211 |
| Rhode Island | $126 | $225 |
| South Carolina | $107 | $201 |
| South Dakota | $57 | $174 |
| Tennessee | $82 | $167 |
| Texas | $129 | $264 |
| Utah | $113 | $192 |
| Vermont | $47 | $113 |
| Virginia | $96 | $156 |
| Washington | $92 | $170 |
| West Virginia | $92 | $186 |
| Wisconsin | $68 | $151 |
| Wyoming | $38 | $117 |
Ford Bronco Insurance Cost by Driver Profile
Your driving profile dramatically affects Ford Bronco insurance costs. Young drivers under 25 pay the steepest rates at $386 monthly, while adult drivers between 26-64 with clean records enjoy the most affordable coverage at just $152 per month.
| Adult Drivers | $103 | $201 |
| Young Drivers | $264 | $507 |
| Senior Drivers | $138 | $254 |
| Drivers With a Speeding Ticket | $129 | $252 |
| Drivers With an Accident | $152 | $293 |
| Drivers With a DUI | $190 | $365 |
| Drivers With Bad Credit | $248 | $499 |
Is a Ford Bronco Expensive to Insure?
Compared to other models on the U.S. market, a Ford Bronco ranks 526th out of 827, making it one of the more expensive cars to insure. Among midsize SUVs, this model ranks on the more expensive side out of 32 similar vehicles.
| Isuzu Rodeo | $54 | $103 |
| Gmc Envoy | $70 | $136 |
| Isuzu Ascender | $71 | $137 |
| Toyota FJ Cruiser | $72 | $140 |
| Mercury Mariner | $76 | $145 |
| Mitsubishi Montero | $76 | $147 |
| Jeep Cherokee | $76 | $148 |
| Saab 9-7X | $77 | $149 |
| Ford Edge | $79 | $152 |
| Honda Pilot | $79 | $152 |
| Honda Passport | $81 | $156 |
| Hyundai Veracruz | $81 | $157 |
| Chevrolet Trailblazer | $83 | $160 |
| Ford Explorer | $84 | $162 |
| Nissan Pathfinder | $85 | $163 |
| Subaru Outback | $85 | $163 |
| Jeep Wrangler | $86 | $166 |
| Chevrolet Traverse | $86 | $167 |
| Gmc Acadia | $87 | $168 |
| Toyota 4Runner | $87 | $169 |
| Jeep Wrangler Unlimited | $89 | $173 |
| Ford Mustang Mach-E | $89 | $174 |
| Kia Sorrento | $92 | $179 |
| Jeep Grand Cherokee | $94 | $182 |
| Mazda CX-70 | $94 | $184 |
| Kia EV6 | $99 | $194 |
| Ford Bronco | $103 | $201 |
| Hyundai Palisade | $107 | $209 |
| Volkswagen Atlas | $112 | $217 |
| Nissan Ariya | $111 | $217 |
| Toyota Land Cruiser | $114 | $220 |
| Jeep Wrangler 4xe | $125 | $242 |
| Jeep Grand Cherokee 4xe | $127 | $247 |
Factors That Affect Ford Car Insurance Costs
Several factors influence what you'll pay for Ford Bronco insurance coverage:
Average Repair or Replacement Costs
Ford ranks 11th in repair affordability among 59 U.S. automakers with median annual costs of $748. Ford Bronco repair costs average $974 annually, making it one of Ford's most expensive models to repair and contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Ford Bronco's extensive trim lineup (Base to Raptor at $90,000+) impacts insurance premiums. Higher trims like Badlands and Raptor feature advanced HOSS suspension systems, 37-inch tires and specialized off-road equipment that cost more to repair or replace, leading to increased insurance rates.
Fuel Type
Ford Broncos run on regular gasoline (premium recommended for higher performance), making them more insurance-friendly than electric vehicles.
The conventional powertrain means widespread repair shop availability and established parts supply chains, though the turbocharged engines require more specialized maintenance knowledge.
Location
Ford Bronco owners are concentrated in outdoor recreation areas and suburban regions nationwide. Geographic factors affect rates through state regulations, weather risks and local repair costs.
Off-road enthusiasts in mountainous or desert regions may pay higher comprehensive coverage costs because of increased exposure to trail damage.
Driver Profile
Most Ford Bronco drivers are outdoor enthusiasts aged 35-55 with household incomes of $75,000 to $125,000. This demographic receives favorable rates because of higher credit scores and driving experience.
Driver demographics affect Ford Bronco rates:
• Age (35 to 55 median): Mature drivers receive lower rates than younger buyers
• Income ($75,000 to $125,000): Higher income correlates with better credit and lower risk
• Usage pattern: Weekend off-road activities can increase comprehensive claims
How to Lower the Cost of Ford Bronco Insurance
Below we break down Ford Bronco car insurance discounts to help you save money:
- 1Choose the right coverage
How much coverage to buy for your Ford depends on its value, how often you drive and what your budget can handle. You can stick with minimum liability and a $1,000 deductible or upgrade to 100/300/100 with a $500 deductible, and if you’re financing or leasing, gap coverage is usually required.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Ford Bronco, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Ford Bronco owners can cut insurance costs by stacking discounts tied to multiple vehicles, strong safety ratings, bundled policies, clean driving records and lower annual mileage. Because many Broncos are secondary vehicles owned by financially stable drivers with solid safety tech, these savings are easy to qualify for.
- 5Consider alternative car insurance types
Ford Bronco owners should consider Ford Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Ford Bronco insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Ford Bronco Insurance Cost: Bottom Line
Insuring a Ford Bronco costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Ford Bronco Insurance Rates: FAQ
Here are answers to common questions about insuring a Ford Bronco.
What is the average cost of car insurance for a Ford Bronco?
The Ford Bronco's average annual insurance cost is $1,238 for minimum coverage and $2,407 for full coverage.
What company has the cheapest car insurance for a Ford Bronco?
GEICO offers the most affordable Bronco insurance with monthly full coverage premiums averaging $161. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage policies for Bronco owners at $74 monthly.
Are Ford Broncos expensive to insure?
Yes, Ford Bronco insurance costs more than most cars. Out of 827 vehicles we track, the Bronco ranks 526th for affordability. Among midsize SUVs, this model ranks around the middle of the pack compared to similar vehicles.
What factors affect insurance costs for Ford Broncos?
Several things drive up your Ford Bronco rates. Repairs cost more because of specialized parts and steel body construction. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates too. Areas with more theft or weather risks cost more for insurance.
How can I lower Ford Bronco insurance costs?
Shop around with multiple insurers, since rates vary for Fords. Consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Ford Bronco Insurance Costs
We analyzed hundreds of millions of insurance quotes for every car model sold in the U.S. from 2000 to 2025 to give you the most accurate estimate for Ford Bronco insurance rates.
Who We Based These Rates On
These Ford Bronco prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.