Ford Bronco Insurance Cost

Full coverage for a Ford Bronco costs about $1,260 a year ($105/month) by our estimate — ▼ −21% versus the average vehicle, ranking 16th cheapest of 310 current models.

Ford Bronco exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

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

Ford Bronco insurance cost at a glance

Full coverage

$1,260

$105/mo · $1,030–$1,485

Minimum liability

$575

$48/mo

Segment

Midsize SUV

Gasoline

HLDI collision losses

Much better than average (100 = avg)

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2021–2026 model years of the Ford Bronco.

Estimated Ford Bronco premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$575	$48	$470–$680
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$835	$70	$685–$985
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,260	$105	$1,030–$1,485

What drives the cost of insuring a Ford Bronco

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Ford Bronco's results put our vehicle factor at 0.94× for liability, 0.62× for collision and 0.66× for comprehensive.

HLDI relative insurance losses — Ford Bronco 2dr convertible 4WD (Midsize SUVs)
Coverage	Index	Rating	What it measures
Collision	55	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	61	Much better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	106	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	80	Much better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	48	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	51	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Ford Bronco 2dr convertible 4WD	55	61	106	80
Ford Bronco 4dr convertible 4WD	66	75	121	90

Repair and parts costs: Midsize SUV — mainstream parts availability keeps repairs moderate.
Recalls & complaints: 29 NHTSA recall campaigns and 133 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Ford Bronco trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Bronco 4WD	4WD	2.3L 4-cyl Turbo	20
Bronco 4WD	4WD	2.7L 6-cyl Turbo	17
Bronco Badlands 4WD	4WD	2.3L 4-cyl Turbo	18
Bronco Outer Banks 4WD	4WD	2.7L 6-cyl Turbo	20
Bronco Raptor 4WD	4WD	3.0L 6-cyl Turbo	15
Bronco Sasquatch 4WD	4WD	2.3L 4-cyl Turbo	18

Ford Bronco insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.3L 4-cyl Turbo, 2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo	4WD	15–20	$1,260
2025	2.3L 4-cyl Turbo, 2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo	4WD	15–20	$1,240
2024	2.3L 4-cyl Turbo, 2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo	4WD	15–20	$1,220
2023	2.3L 4-cyl Turbo, 2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo	4WD	15–20	$1,200
2022	2.3L 4-cyl Turbo, 2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo	4WD	15–20	$1,180
2021	2.3L 4-cyl Turbo, 2.7L 6-cyl Turbo	4WD	17–21	$1,160

Ford Bronco insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Bronco page for that state.

State	Full coverage	Minimum	vs. national	Bronco page
Alabama	$1,070	$450	−15%	Bronco in AL
Alaska	$1,090	$585	−13%	Bronco in AK
Arizona	$1,330	$620	+6%	Bronco in AZ
Arkansas	$1,070	$420	−15%	Bronco in AR
California	$1,200	$535	−5%	Bronco in CA
Colorado	$1,420	$610	+13%	Bronco in CO
Connecticut	$1,360	$665	+8%	Bronco in CT
Delaware	$1,455	$750	+15%	Bronco in DE
District of Columbia	$1,565	$695	+24%	Bronco in DC
Florida	$1,890	$1,010	+50%	Bronco in FL
Georgia	$1,610	$820	+28%	Bronco in GA
Hawaii	$845	$410	−33%	Bronco in HI
Idaho	$850	$375	−33%	Bronco in ID
Illinois	$1,075	$465	−15%	Bronco in IL
Indiana	$880	$380	−30%	Bronco in IN
Iowa	$820	$290	−35%	Bronco in IA
Kansas	$975	$380	−23%	Bronco in KS
Kentucky	$1,065	$495	−15%	Bronco in KY
Louisiana	$1,755	$740	+39%	Bronco in LA
Maine	$785	$400	−38%	Bronco in ME
Maryland	$1,425	$705	+13%	Bronco in MD
Massachusetts	$1,225	$555	−3%	Bronco in MA
Michigan	$1,355	$720	+8%	Bronco in MI
Minnesota	$1,030	$440	−18%	Bronco in MN
Mississippi	$1,180	$500	−6%	Bronco in MS
Missouri	$1,125	$480	−11%	Bronco in MO
Montana	$970	$370	−23%	Bronco in MT
Nebraska	$975	$380	−23%	Bronco in NE
Nevada	$1,515	$815	+20%	Bronco in NV
New Hampshire	$875	$375	−31%	Bronco in NH
New Jersey	$1,565	$880	+24%	Bronco in NJ
New Mexico	$1,115	$490	−12%	Bronco in NM
New York	$1,735	$870	+38%	Bronco in NY
North Carolina	$900	$420	−29%	Bronco in NC
North Dakota	$760	$260	−40%	Bronco in ND
Ohio	$885	$380	−30%	Bronco in OH
Oklahoma	$1,105	$440	−12%	Bronco in OK
Oregon	$1,165	$585	−8%	Bronco in OR
Pennsylvania	$1,070	$400	−15%	Bronco in PA
Rhode Island	$1,550	$770	+23%	Bronco in RI
South Carolina	$1,385	$685	+10%	Bronco in SC
South Dakota	$910	$295	−28%	Bronco in SD
Tennessee	$1,020	$425	−19%	Bronco in TN
Texas	$1,470	$650	+17%	Bronco in TX
Utah	$1,170	$615	−7%	Bronco in UT
Vermont	$780	$300	−38%	Bronco in VT
Virginia	$1,080	$590	−14%	Bronco in VA
Washington	$1,120	$555	−11%	Bronco in WA
West Virginia	$1,020	$410	−19%	Bronco in WV
Wisconsin	$845	$350	−33%	Bronco in WI
Wyoming	$925	$305	−27%	Bronco in WY

Ford Bronco insurance by driver profile

Estimated annual Ford Bronco premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,585	$2,295	$3,460	$288
Young adult (22)	$920	$1,335	$2,015	$168
Adult in their 30s	$575	$835	$1,260	$105
Adult in their 50s	$530	$770	$1,160	$97
Senior (72)	$645	$935	$1,410	$118
30s, one at-fault accident	$835	$1,210	$1,825	$152
30s, DUI on record	$1,065	$1,545	$2,330	$194

Ford Bronco vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Ford Bronco	$1,260	55	61	—
Jeep Wrangler	$1,355	47	42	Compare
Volkswagen Tiguan	$1,365	72	72	Compare
Toyota 4Runner	$1,295	74	73	Compare

Estimate Ford Bronco insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Other Ford models

Expedition $1,370/yr
Explorer $1,400/yr
Bronco Sport $1,380/yr
Escape $1,625/yr
F-150 $1,580/yr
Maverick $1,485/yr
Mustang $1,865/yr
Mustang Mach-E $1,435/yr
Ranger $1,275/yr
F-150 Lightning $1,600/yr
Edge $1,365/yr
Transit Connect $1,425/yr
EcoSport $1,340/yr
GT $1,695/yr
Transit $1,435/yr
Fusion $1,355/yr
Fiesta $1,305/yr
Flex $1,285/yr
Taurus $1,340/yr
C-Max $1,305/yr
Focus $1,280/yr
E-Series $1,220/yr
Crown Victoria $1,260/yr
Explorer Sport Trac $1,240/yr
Taurus X $1,190/yr
Five Hundred $1,260/yr
Freestar $1,135/yr
Freestyle $1,190/yr
Thunderbird $1,445/yr

All Ford insurance costs →

Frequently asked questions

How much is insurance for a Ford Bronco?

We estimate about $1,260 a year ($105 a month) for full coverage and $575 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 21% less than the average vehicle.

Is the Ford Bronco expensive to insure?

HLDI insurance-loss data rates it at 55 for collision and 61 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Ford Bronco?

North Dakota has the lowest estimate (about $760 a year for full coverage) and Florida the highest (about $1,890).

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

By our estimate the Ford Bronco costs about $1,260 a year versus $1,355 for the Jeep Wrangler, making it the cheaper of the two to insure.

How much is Ford Bronco insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,460 a year at national-average rates by our estimate.

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