Newer Ford Broncos cost more to insure than older models, with 2025 vehicles averaging $236 monthly for full coverage compared to $179 for 2022 models. Your model year substantially affects premiums since newer trucks haven't depreciated as much.
Ford Bronco Insurance Cost
Updated: January 27, 2026
Key Takeaways
Ford Bronco insurance costs an average of $201 monthly for full coverage. Rates vary by model year and insurer, with GEICO offering the lowest average rates. Read more
The Bronco ranks 150th out of 256 SUVs for insurance affordability, placing it in the middle tier for its vehicle type. Since SUVs usually cost more to insure than sedans and hatchbacks, and the Bronco ranks 526th out of 827 total vehicles, this makes it moderately expensive overall. Read more
Check rates for your Bronco's model year to get accurate insurance costs. Read more
How Much Is Ford Bronco Insurance?
Looking for another Ford model? Read more about the cost of Ford car insurance models.
Insurance rates depend on model year and insurer. Ford Bronco minimum coverage costs range from $74 monthly with GEICO to $176 with UAIC, while full coverage spans from $161 monthly with GEICO to higher rates with AIG.
Rate variations (more than $102 for minimum coverage and $212 for full coverage) demonstrate why Bronco owners need to shop around. Companies calculate risk differently for each model, which affects your final quote.
| AAA | $118 | $245 |
| AIG | $149 | $373 |
| Allstate | $127 | $246 |
| Amica | $122 | $250 |
| Chubb | $141 | $278 |
| Farmers | $146 | $258 |
| Geico | $74 | $161 |
| Kemper | $133 | $273 |
| Nationwide | $111 | $192 |
| Progressive | $104 | $196 |
| State Farm | $98 | $205 |
| The Hartford | $122 | $207 |
| Travelers | $88 | $162 |
| UAIC | $176 | $221 |
Is Ford Bronco Expensive to Insure?
MoneyGeek's analysis of 256 SUVs reveals the Ford Bronco ranks 150th for affordability, placing it squarely in the middle range. It costs a few dollars more per month than a Cadillac XT6 and slightly less than a Hyundai Ioniq Electric to insure. This middle positioning among SUVs means there are 149 more affordable options in the category, but it's not among the most expensive either.
While it's middle-tier among SUVs, the Bronco ranks 526th out of 827 total vehicles in our database, putting it among the pricier models overall. SUVs generally cost more to insure than other vehicle types. The cheapest SUV to insure is the Isuzu Amigo, while the Audi SQ8 e-tron commands the highest premiums.
| Volvo EX30 | $151 | 147 |
| Mercedes GLC | $152 | 148 |
| Cadillac XT6 | $152 | 149 |
| Ford Bronco | $152 | 150 |
| Hyundai Ioniq Electric | $153 | 151 |
| Fisker Ocean | $153 | 152 |
| BMW X6 | $155 | 153 |
Several factors affect what you'll pay for Ford Bronco insurance:
- Average Repair or Replacement Costs: Ford Bronco repair costs average $974 annually, ranking as the 10th most expensive Ford model to maintain out of 35. This middle-range positioning keeps repair-related insurance costs moderate compared to Ford's pricier models.
- Vehicle Trim, Features and Accessories: The Bronco's horsepower ranges from 270 to 400, depending on your engine choice, with higher performance leading to increased premiums. Performance-oriented trims cost substantially more to insure due to their powerful capabilities and greater risk profile.
- Driver Profile:Â Most Ford Bronco drivers fall between 30 and 50 years old, with a median of around 40, though the vehicle's off-road reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Ford Broncos for young drivers.
Ford Bronco Insurance Cost by State
Ford Bronco insurance costs range dramatically from just $38 monthly in Wyoming to $198 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not anything specific to the Bronco itself.
| 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 Costs by Model Year and Insurance Company
A 2025 Ford Bronco costs an average of $236 monthly to insure for drivers aged 35 to 55, while a 2021 model costs $191 per month. This $45 difference shows how newer car models cost more to insure than older models for full coverage. Young drivers in their teens and early twenties will pay much more to insure their Ford Bronco, regardless of model year.
GEICO offers the cheapest rates across all Ford Bronco model years.
Cost of Car Insurance for 2025 Ford Bronco
| Geico | $86 | $187 |
| National General | $92 | $189 |
| Travelers | $105 | $192 |
| State Farm | $118 | $246 |
| Progressive | $126 | $237 |
| Nationwide | $129 | $223 |
| AAA | $138 | $286 |
| Amica | $142 | $291 |
| The Hartford | $143 | $244 |
| Allstate | $148 | $285 |
| Kemper | $152 | $314 |
| Chubb | $164 | $324 |
| Farmers | $173 | $305 |
| AIG | $173 | $434 |
| UAIC | $208 | $262 |
Cost of Car Insurance for 2024 Ford Bronco
| Geico | $84 | $182 |
| National General | $89 | $183 |
| Travelers | $101 | $186 |
| State Farm | $114 | $239 |
| Progressive | $122 | $229 |
| Nationwide | $125 | $216 |
| AAA | $134 | $277 |
| Amica | $138 | $282 |
| The Hartford | $139 | $237 |
| Allstate | $143 | $276 |
| Kemper | $148 | $304 |
| Chubb | $159 | $314 |
| Farmers | $167 | $295 |
| AIG | $168 | $421 |
| UAIC | $201 | $254 |
Cost of Car Insurance for 2023 Ford Bronco
| Geico | $72 | $156 |
| National General | $77 | $157 |
| Travelers | $87 | $160 |
| State Farm | $98 | $205 |
| Progressive | $105 | $197 |
| Nationwide | $107 | $186 |
| AAA | $115 | $238 |
| Amica | $118 | $242 |
| The Hartford | $119 | $204 |
| Allstate | $123 | $238 |
| Kemper | $127 | $262 |
| Chubb | $137 | $270 |
| Farmers | $144 | $254 |
| AIG | $144 | $362 |
| UAIC | $173 | $218 |
Cost of Car Insurance for 2022 Ford Bronco
| Geico | $65 | $142 |
| National General | $70 | $143 |
| Travelers | $79 | $145 |
| State Farm | $89 | $185 |
| Progressive | $95 | $177 |
| Nationwide | $98 | $169 |
| AAA | $105 | $217 |
| Amica | $108 | $221 |
| The Hartford | $108 | $185 |
| Allstate | $112 | $216 |
| Kemper | $116 | $239 |
| Chubb | $125 | $246 |
| Farmers | $130 | $230 |
| AIG | $131 | $329 |
| UAIC | $157 | $198 |
Cost of Car Insurance for 2021 Ford Bronco
| Geico | $73 | $158 |
| National General | $79 | $162 |
| Travelers | $82 | $151 |
| State Farm | $88 | $183 |
| Progressive | $91 | $169 |
| Nationwide | $111 | $192 |
| AAA | $116 | $240 |
| The Hartford | $116 | $198 |
| Amica | $122 | $250 |
| Allstate | $128 | $247 |
| Kemper | $137 | $282 |
| Farmers | $138 | $243 |
| Chubb | $139 | $276 |
| AIG | $147 | $369 |
| UAIC | $165 | $207 |
Ford Bronco Insurance Cost by Trim
Bronco insurance costs vary greatly by trim. Big Bend Sport Utility 2d models: $83 monthly for minimum coverage. High-performance Raptor variants: $370 for full coverage. Performance features, rarity and market value decide where each trim falls in this range.
| 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 |
How to Lower the Cost of Ford Bronco Insurance
Lower your Bronco insurance costs and find better rates with these strategies:
- 1Choose the right coverage
Decide how much coverage to buy for your Bronco based on ownership. Own it outright? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to cut premiums. Want more protection? Get 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing means you need 100/300/100 liability limits, comprehensive and collision with a $500 deductible and gap insurance per lender requirements.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for SUVs like your Bronco. This benchmark helps you find the cheapest car insurance companies with competitive rates. Know typical pricing and you can spot real deals versus inflated quotes when you shop around.
- 3Look for more than just low rates
Pick reliable car insurance by checking insurers beyond their quotes. Look at J.D. Power satisfaction ratings, forum feedback on claims processing, Better Business Bureau complaints and AM Best financial stability ratings. Budget insurers might have limited coverage options or slower customer service when you need help most.
- 4Explore discounts you qualify for
Find car insurance discounts for your situation and vehicle. Bronco owners qualify for safety feature discounts, good driver rewards, multi-vehicle savings and bundling discounts when you combine auto and home policies. Anti-theft device discounts may apply depending on your Bronco's security features and trim level.
- 5Consider alternative car insurance types
Bronco owners can try usage-based insurance programs that track driving habits and cut premiums. Options like Progressive Snapshot telematics or Allstate Drivewise apps monitor safe driving and give you potential savings. These programs work well for careful drivers who don't mind sharing driving data for lower rates.
- 6Check rates every year
Get car insurance quotes from multiple companies every year to keep pricing competitive. Your current insurer won't tell you when competitors drop rates, so regular comparisons can save you up to 24% on Bronco insurance. Set a calendar reminder each renewal period to shop around and compare offers.
Ford Bronco Insurance Cost: Bottom Line
Ford Bronco insurance runs average in cost, though you'll find competitive rates with smart shopping. Compare quotes from multiple insurers and maximize discounts to secure better pricing for your coverage.
Ford Bronco Insurance Rates: FAQ
What is the average cost of car insurance for a Ford Bronco?
Ford Bronco insurance costs $2,407 annually for full coverage and $1,238 yearly for state minimum coverage. Full coverage averages $201 monthly while minimum protection runs $103 per month.
What company has the cheapest car insurance for a Ford Bronco?
GEICO provides the most affordable minimum coverage for a Ford Bronco at $888 annually. The company also delivers the best value for full coverage at $1,927 per year.
Are Ford Broncos expensive to insure?
Ford Bronco insurance is moderately expensive compared to most vehicles. Among SUVs specifically, it places 150th out of 256 for affordability (middle tier), while ranking 526th out of 827 across all vehicle types, putting it in the more expensive range overall.
What factors affect insurance costs for Ford Broncos?
Your driving record and credit score change Bronco insurance rates, along with your coverage choices. The Bronco's solid safety features and reasonable repair costs help keep insurance costs manageable compared to other SUVs.
How can I lower Ford Bronco insurance costs?
Compare quotes from several insurers since Ford Bronco pricing differs between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Ford Bronco Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Ford Bronco insurance costs.
Who We Based These Rates On
These Ford Bronco rates reflect what an average 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.