Estimates, not quotes

Jeep Wrangler vs Ford Bronco Insurance Cost

The Ford Bronco is cheaper to insure by about $95 a year for full coverage by our estimate ($1,355 vs. $1,260), and cheaper in 50 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

CoverageJeep WranglerFord BroncoDifference
State minimum$675$575+$100
Standard (100/300/100)$980$835+$145
Full coverage$1,355$1,260+$95

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

Why one costs more to insure

FactorJeep WranglerFord Bronco
SegmentMidsize SUVMidsize SUV
PowertrainsGasoline, Hybrid, Plug-in hybrid, DieselGasoline
HLDI collision (100 = avg)4755
HLDI comprehensive4261
HLDI property damage liability131106
HLDI bodily injury liability10980
NHTSA overall rating——
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)929

Collision losses are the biggest swing factor: the Ford Bronco has 8 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Jeep Wrangler.

Wrangler vs Bronco insurance by state

StateWranglerBroncoDifference
Alabama$1,135$1,070+$65
Alaska$1,170$1,090+$80
Arizona$1,430$1,330+$100
Arkansas$1,120$1,070+$50
California$1,285$1,200+$85
Colorado$1,495$1,420+$75
Connecticut$1,485$1,360+$125
Delaware$1,605$1,455+$150
District of Columbia$1,680$1,565+$115
Florida$2,095$1,890+$205
Georgia$1,765$1,610+$155
Hawaii$905$845+$60
Idaho$905$850+$55
Illinois$1,145$1,075+$70
Indiana$935$880+$55
Iowa$840$820+$20
Kansas$1,010$975+$35
Kentucky$1,145$1,065+$80
Louisiana$1,895$1,755+$140
Maine$830$785+$45
Maryland$1,545$1,425+$120
Massachusetts$1,320$1,225+$95
Michigan$1,450$1,355+$95
Minnesota$1,080$1,030+$50
Mississippi$1,245$1,180+$65
Missouri$1,190$1,125+$65
Montana$1,000$970+$30
Nebraska$1,010$975+$35
Nevada$1,685$1,515+$170
New Hampshire$935$875+$60
New Jersey$1,725$1,565+$160
New Mexico$1,190$1,115+$75
New York$1,900$1,735+$165
North Carolina$940$900+$40
North Dakota$770$760+$10
Ohio$940$885+$55
Oklahoma$1,150$1,105+$45
Oregon$1,275$1,165+$110
Pennsylvania$1,130$1,070+$60
Rhode Island$1,700$1,550+$150
South Carolina$1,505$1,385+$120
South Dakota$905$910−$5
Tennessee$1,075$1,020+$55
Texas$1,550$1,470+$80
Utah$1,280$1,170+$110
Vermont$815$780+$35
Virginia$1,160$1,080+$80
Washington$1,225$1,120+$105
West Virginia$1,065$1,020+$45
Wisconsin$885$845+$40
Wyoming$930$925+$5

By driver profile (full coverage)

DriverWranglerBronco
Teen driver (18, own policy)$3,720$3,460
Young adult (22)$2,165$2,015
Adult in their 30s$1,355$1,260
Adult in their 50s$1,245$1,160
Senior (72)$1,515$1,410
30s, one at-fault accident$1,960$1,825
30s, DUI on record$2,505$2,330

More comparisons

Frequently asked questions

Is the Jeep Wrangler or the Ford Bronco cheaper to insure?

By our estimate the Ford Bronco is cheaper, by about $95 a year for full coverage ($1,355 vs. $1,260) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Jeep Wrangler and Ford Bronco?

Mostly because of insurance-loss history: HLDI collision indices of 47 vs. 55 and comprehensive indices of 42 vs. 61 (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