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
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. There's a $102 gap on minimum coverage and a $212 gap on full coverage, so get at least three quotes to find your lowest rate.
| 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 costs. The Ford Bronco averages $974 a year in repair costs, 10th most expensive among Ford's 35 models. That above-midpoint figure pushes premiums above the average for SUVs.
- Trim, features and accessories. The Bronco's power output ranges from 270 to 400 horsepower depending on engine choice. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Bronco drivers tend to fall between ages 30 and 50, with a median around 40, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle. 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
Coverage needs depend on how you own the Bronco. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for SUVs give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our data on the cheapest car insurance companies shows which carriers price low for Bronco drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum feedback on claims processing surfaces problems that don't appear in formal ratings. Our guide to the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Bronco owners commonly qualify for safety feature discounts, good driver credits, multi-vehicle savings and bundling discounts when combining auto and home policies. Anti-theft device discounts may apply depending on trim and security features. Our full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. Bronco drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Compare quotes at each renewal to catch pricing shifts before they compound.
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
Ford Bronco cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.