Estimates, not quotes

Ford Bronco vs Toyota 4Runner Insurance Cost

The Ford Bronco is cheaper to insure by about $35 a year for full coverage by our estimate ($1,260 vs. $1,295), and cheaper in 49 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageFord BroncoToyota 4RunnerDifference
State minimum$575$535+$40
Standard (100/300/100)$835$775+$60
Full coverage$1,260$1,295−$35

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Bronco minus 4Runner.

Why one costs more to insure

FactorFord BroncoToyota 4Runner
SegmentMidsize SUVMidsize SUV
PowertrainsGasolineGasoline, Hybrid
HLDI collision (100 = avg)5574
HLDI comprehensive6173
HLDI property damage liability10688
HLDI bodily injury liability8076
NHTSA overall rating—4★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)294

Collision losses are the biggest swing factor: the Toyota 4Runner has 19 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Ford Bronco.

Bronco vs 4Runner insurance by state

StateBronco4RunnerDifference
Alabama$1,070$1,120−$50
Alaska$1,090$1,130−$40
Arizona$1,330$1,360−$30
Arkansas$1,070$1,125−$55
California$1,200$1,255−$55
Colorado$1,420$1,465−$45
Connecticut$1,360$1,385−$25
Delaware$1,455$1,465−$10
District of Columbia$1,565$1,625−$60
Florida$1,890$1,880+$10
Georgia$1,610$1,620−$10
Hawaii$845$885−$40
Idaho$850$875−$25
Illinois$1,075$1,115−$40
Indiana$880$915−$35
Iowa$820$865−$45
Kansas$975$1,025−$50
Kentucky$1,065$1,090−$25
Louisiana$1,755$1,795−$40
Maine$785$820−$35
Maryland$1,425$1,455−$30
Massachusetts$1,225$1,270−$45
Michigan$1,355$1,405−$50
Minnesota$1,030$1,075−$45
Mississippi$1,180$1,230−$50
Missouri$1,125$1,170−$45
Montana$970$1,020−$50
Nebraska$975$1,025−$50
Nevada$1,515$1,510+$5
New Hampshire$875$915−$40
New Jersey$1,565$1,575−$10
New Mexico$1,115$1,155−$40
New York$1,735$1,755−$20
North Carolina$900$950−$50
North Dakota$760$815−$55
Ohio$885$920−$35
Oklahoma$1,105$1,155−$50
Oregon$1,165$1,175−$10
Pennsylvania$1,070$1,120−$50
Rhode Island$1,550$1,575−$25
South Carolina$1,385$1,395−$10
South Dakota$910$970−$60
Tennessee$1,020$1,065−$45
Texas$1,470$1,525−$55
Utah$1,170$1,185−$15
Vermont$780$830−$50
Virginia$1,080$1,110−$30
Washington$1,120$1,135−$15
West Virginia$1,020$1,070−$50
Wisconsin$845$880−$35
Wyoming$925$990−$65

By driver profile (full coverage)

DriverBronco4Runner
Teen driver (18, own policy)$3,460$3,560
Young adult (22)$2,015$2,070
Adult in their 30s$1,260$1,295
Adult in their 50s$1,160$1,190
Senior (72)$1,410$1,450
30s, one at-fault accident$1,825$1,875
30s, DUI on record$2,330$2,395

More comparisons

Frequently asked questions

Is the Ford Bronco or the Toyota 4Runner cheaper to insure?

By our estimate the Ford Bronco is cheaper, by about $35 a year for full coverage ($1,260 vs. $1,295) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford Bronco and Toyota 4Runner?

Mostly because of insurance-loss history: HLDI collision indices of 55 vs. 74 and comprehensive indices of 61 vs. 73 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page