- For the 2024 model year, the Ford Bronco is cheaper to insure on average than the Jeep Wrangler by $76 per year.
- The $39,130 Big Bend model is the cheapest Bronco to insure, while the $32,095 Sport 2-Door is the cheapest Wrangler model to insure.
The Ford Bronco has created a monumental debate over whether the Bronco or the classic Jeep Wrangler is the best off-road capable vehicle. We decided to not look at the capabilities of each vehicle, but rather how much does insurance cost for both the Bronco and Wrangler, and which is cheapest?
Is Bronco or Wrangler insurance cheaper?
For the 2024 model year, the model having more affordable car insurance is the Ford Bronco. Insurance on a Ford Bronco costs an average of $2,600 per year, and the Jeep Wrangler costs an average of $2,676 per year.
For the nine trim levels available for the 2024 Ford Bronco, the cheapest trim level to insure is the Big Bend model at an average cost of $2,330 per year, or around $194 per month.
For the 16 trim levels available for the Wrangler, the cheapest 2024 model to insure is the Sport 2-Door model at a cost of $2,378.
When insurance prices for all 25 trims of both models are combined and sorted by cost, the lowest-cost model and trim level is the Ford Bronco Big Bend at a cost of $2,330 per year. The most expensive model and trim level is the Jeep Wrangler Rubicon 392 costing an average of $2,936 per year.
The rate table below compares the yearly and monthly cost of car insurance for 2024 Ford Bronco and Jeep Wrangler models, broken down by individual trim level.
| Model and Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Bronco Big Bend | $2,330 | $194 |
| Wrangler Sport 2-Door | $2,378 | $198 |
| Bronco Black Diamond | $2,418 | $202 |
| Wrangler Sport S 2-Door | $2,460 | $205 |
| Wrangler Sport 4-Door | $2,474 | $206 |
| Bronco Heritage Edition | $2,524 | $210 |
| Bronco Outer Banks | $2,524 | $210 |
| Bronco Badlands | $2,550 | $213 |
| Wrangler Willys 2-Door | $2,554 | $213 |
| Wrangler Sport S 4-Door | $2,554 | $213 |
| Wrangler Willys 4-Door | $2,614 | $218 |
| Bronco Everglades | $2,640 | $220 |
| Wrangler Sahara | $2,672 | $223 |
| Wrangler Sport S 4xe | $2,686 | $224 |
| Bronco Wildtrak | $2,696 | $225 |
| Wrangler Willys 4xe | $2,740 | $228 |
| Wrangler Rubicon X 2-Door | $2,748 | $229 |
| Wrangler Sahara 4xe | $2,758 | $230 |
| Wrangler Rubicon X 4-Door | $2,780 | $232 |
| Wrangler Rubicon 4xe | $2,786 | $232 |
| Bronco Heritage Limited Edition | $2,790 | $233 |
| Wrangler High Altitude 4xe | $2,828 | $236 |
| Wrangler Rubicon X 4xe | $2,848 | $237 |
| Bronco Raptor | $2,926 | $244 |
| Wrangler Rubicon 392 | $2,936 | $245 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025
The rate chart below visualizes the average cost to insure the two models for different driver ages. Average insurance cost ranges from $2,296 to $5,264 per year for a 2024 Ford Bronco, and $2,386 to $5,452 for a 2024 Jeep Wrangler for the included driver ages.
The two tables below show average car insurance rates for every trim level for both 2024 models, including an overall average rate.
2024 Ford Bronco
$2,600
| 2024 Ford Bronco Trims | Rate |
|---|---|
| Big Bend | $2,330 |
| Black Diamond | 2,418 |
| Heritage Edition | 2,524 |
| Outer Banks | 2,524 |
| Badlands | 2,550 |
| Everglades | 2,640 |
| Wildtrak | 2,696 |
| Heritage Limited Edition | 2,790 |
| Raptor | 2,926 |
| 2024 Ford Bronco Average Rate | $2,600 |
2024 Jeep Wrangler
$2,676
| 2024 Jeep Wrangler Trims | Rate |
|---|---|
| Sport 2-Door | $2,378 |
| Sport S 2-Door | 2,460 |
| Sport 4-Door | 2,474 |
| Willys 2-Door | 2,554 |
| Sport S 4-Door | 2,554 |
| Willys 4-Door | 2,614 |
| Sahara | 2,672 |
| Sport S 4xe | 2,686 |
| Willys 4xe | 2,740 |
| Rubicon X 2-Door | 2,748 |
| Sahara 4xe | 2,758 |
| Rubicon X 4-Door | 2,780 |
| Rubicon 4xe | 2,786 |
| High Altitude 4xe | 2,828 |
| Rubicon X 4xe | 2,848 |
| Rubicon 392 | 2,936 |
| 2024 Jeep Wrangler Average Rate | $2,676 |
2023 Ford Bronco vs. Jeep Wrangler
Average insurance rates for a 2023 Ford Bronco are $2,536 per year, while the 2023 Jeep Wrangler costs an average of $2,514 per year, making the Jeep Wrangler the model with better average insurance cost.
Within each different model, however, auto insurance cost varies greatly for each of the different trim levels. For a 2023 Ford Bronco, car insurance prices range from the lowest rate of $2,240 per year for the $39,130 Base model up to $2,796 for the $89,835 Raptor trim level. For a 2023 Wrangler, insurance rates can range from $2,280 every 12 months for the Sport 2-Door model to as high as $2,780 for the most expensive to insure Rubicon 392 model.
When comparing car insurance rates for both models by trim level, the cheapest trim is the Ford Bronco Base at an average of $2,240 per year, and the most expensive model and trim level is the Ford Bronco Raptor costing an average of $2,796 per year.
For a 2023 Ford Bronco, the cheapest models are the Base, Big Bend, and Black Diamond. The cheapest Jeep Wrangler models include the Sport 2-Door, Willys Sport 2-Door, and Sport S 2-Door. Car insurance rates for all 2023 Bronco and Wrangler models and trims range from $187 to $233 per month.
The table below compares and ranks the cost of car insurance for 2023 Ford Bronco and Jeep Wrangler models, showing average cost by trim level for each model.
| Model and Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Bronco Base | $2,240 | $187 |
| Wrangler Sport 2-Door | $2,280 | $190 |
| Bronco Big Bend | $2,348 | $196 |
| Wrangler Willys Sport 2-Door | $2,356 | $196 |
| Wrangler Sport S 2-Door | $2,360 | $197 |
| Wrangler Sport 4-Door | $2,378 | $198 |
| Bronco Black Diamond | $2,410 | $201 |
| Wrangler Freedom 2-Door | $2,418 | $202 |
| Wrangler Willys Sport 4-Door | $2,430 | $203 |
| Wrangler Sport S 4-Door | $2,430 | $203 |
| Wrangler Willys 2-Door | $2,430 | $203 |
| Bronco Outer Banks | $2,464 | $205 |
| Wrangler Sport Altitude | $2,482 | $207 |
| Wrangler Freedom 4-Door | $2,486 | $207 |
| Wrangler Willys 4-Door | $2,496 | $208 |
| Wrangler Rubicon 2-Door | $2,502 | $209 |
| Bronco Badlands | $2,524 | $210 |
| Wrangler Sahara | $2,538 | $212 |
| Wrangler Sport RHD | $2,552 | $213 |
| Wrangler Rubicon 4-Door | $2,558 | $213 |
| Wrangler Sahara Altitude | $2,588 | $216 |
| Wrangler Willys 4xe | $2,622 | $219 |
| Wrangler High Altitude | $2,626 | $219 |
| Bronco Wildtrak | $2,628 | $219 |
| Wrangler Sahara 4xe | $2,640 | $220 |
| Bronco Everglades | $2,642 | $220 |
| Wrangler Rubicon 4xe | $2,672 | $223 |
| Wrangler High Altitude 4xe | $2,684 | $224 |
| Bronco Heritage Limited | $2,756 | $230 |
| Wrangler Rubicon 392 | $2,780 | $232 |
| Bronco Raptor | $2,796 | $233 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025
The chart below illustrates the average cost to insure both models for drivers aged 20 to 50. Average insurance cost ranges from $2,240 to $5,104 per year for a 2023 Ford Bronco, and $2,246 to $5,170 for a 2023 Jeep Wrangler for the driver ages used.
Out of nine trims for the 2023 Ford Bronco, the cheapest auto insurance rates are on the Base model at a cost of $2,240 per year, or around $187 per month.
When comparing aggregated rates for both models from a trim-level perspective, the most affordable model and trim level to insure is the Ford Bronco Base at an average cost of $2,240 per year. The most expensive vehicle to insure is the Ford Bronco Raptor at an average of $2,796 per year.
The tables shown below show the cost to insure the available trim levels for both 2023 models, including an overall average rate. The model with the cheapest overall car insurance rates for 2023 is the Jeep Wrangler.
2023 Ford Bronco
$2,536
| 2023 Ford Bronco Trims | Rate |
|---|---|
| Base | $2,240 |
| Big Bend | 2,348 |
| Black Diamond | 2,410 |
| Outer Banks | 2,464 |
| Badlands | 2,524 |
| Wildtrak | 2,628 |
| Everglades | 2,642 |
| Heritage Limited | 2,756 |
| Raptor | 2,796 |
| 2023 Ford Bronco Average Rate | $2,536 |
2023 Jeep Wrangler
$2,514
| 2023 Jeep Wrangler Trims | Rate |
|---|---|
| Sport 2-Door | $2,280 |
| Willys Sport 2-Door | 2,356 |
| Sport S 2-Door | 2,360 |
| Sport 4-Door | 2,378 |
| Freedom 2-Door | 2,418 |
| Willys Sport 4-Door | 2,430 |
| Sport S 4-Door | 2,430 |
| Willys 2-Door | 2,430 |
| Sport Altitude | 2,482 |
| Freedom 4-Door | 2,486 |
| Willys 4-Door | 2,496 |
| Rubicon 2-Door | 2,502 |
| Sahara | 2,538 |
| Sport RHD | 2,552 |
| Rubicon 4-Door | 2,558 |
| Sahara Altitude | 2,588 |
| Willys 4xe | 2,622 |
| High Altitude | 2,626 |
| Sahara 4xe | 2,640 |
| Rubicon 4xe | 2,672 |
| High Altitude 4xe | 2,684 |
| Rubicon 392 | 2,780 |
| 2023 Jeep Wrangler Average Rate | $2,514 |
2022 Ford Bronco vs. Jeep Wrangler
The 2022 Ford Bronco has an average insurance cost of $2,304 and the 2022 Jeep Wrangler averages $2,448, making the Ford Bronco cheaper by $144 per year. The cheapest Bronco trim level to insure is the Big Bend at around $2,330 per year. The cheapest Wrangler model to insure is the Sport 2-Door at around $2,378 per year.
The table below compares annual and monthly car insurance cost for the 2024 Jeep Wrangler and Ford Bronco. Average rates are combined and then sorted by cost, from least expensive to most expensive.
| Model and Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Bronco Base | $2,142 | $179 |
| Bronco Big Bend | $2,304 | $192 |
| Wrangler Sport 2-Door | $2,334 | $195 |
| Bronco Black Diamond | $2,374 | $198 |
| Wrangler Willys Sport 2-Door | $2,394 | $200 |
| Wrangler Sport S 2-Door | $2,414 | $201 |
| Wrangler Sport 4-Door | $2,422 | $202 |
| Bronco Outer Banks | $2,424 | $202 |
| Bronco Badlands | $2,446 | $204 |
| Wrangler Willys Sport 4-Door | $2,478 | $207 |
| Wrangler Willys 2-Door | $2,482 | $207 |
| Wrangler Sport S 4-Door | $2,492 | $208 |
| Bronco Wildtrak | $2,494 | $208 |
| Bronco Everglades | $2,514 | $210 |
| Wrangler Sport Altitude | $2,526 | $211 |
| Wrangler Willys 4-Door | $2,544 | $212 |
| Wrangler Sport RHD | $2,544 | $212 |
| Wrangler Sahara | $2,558 | $213 |
| Wrangler Rubicon 2-Door | $2,558 | $213 |
| Wrangler Rubicon 4-Door | $2,610 | $218 |
| Wrangler Sahara Altitude | $2,610 | $218 |
| Wrangler High Altitude | $2,684 | $224 |
| Wrangler Sahara 4xe | $2,696 | $225 |
| Wrangler Rubicon 4xe | $2,728 | $227 |
| Wrangler High Altitude 4xe | $2,742 | $229 |
| Bronco Raptor | $2,742 | $229 |
| Wrangler Rubicon 392 | $2,840 | $237 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025
The bar chart below compares average Ford Bronco insurance to Jeep Wrangler insurance in order to determine whether the 2022 Bronco or 2022 Wrangler has cheaper car insurance rates.
The two tables below detail the expected annual car insurance cost by trim level for both 2022 models, including an overall average cost for each model. The cheapest to insure for the 2022 car insurance battle is the Ford Bronco.
2022 Ford Bronco
$2,304
| 2022 Ford Bronco Trims | Rate |
|---|---|
| Base | $2,038 |
| Big Bend | 2,190 |
| Black Diamond | 2,256 |
| Outer Banks | 2,302 |
| Badlands | 2,322 |
| Wildtrak | 2,368 |
| Everglades | 2,388 |
| Raptor | 2,606 |
| 2022 Ford Bronco Average Rate | $2,304 |
2022 Jeep Wrangler
$2,448
| 2022 Jeep Wrangler Trims | Rate |
|---|---|
| Sport 2-Door | $2,236 |
| Willys Sport 2-Door | 2,290 |
| Sport S 2-Door | 2,310 |
| Sport 4-Door | 2,316 |
| Willys Sport 4-Door | 2,368 |
| Willys 2-Door | 2,370 |
| Sport S 4-Door | 2,382 |
| Sport Altitude | 2,412 |
| Willys 4-Door | 2,430 |
| Sport RHD | 2,430 |
| Sahara | 2,444 |
| Rubicon 2-Door | 2,444 |
| Rubicon 4-Door | 2,492 |
| Sahara Altitude | 2,492 |
| High Altitude | 2,562 |
| Sahara 4xe | 2,572 |
| Rubicon 4xe | 2,604 |
| High Altitude 4xe | 2,616 |
| Rubicon 392 | 2,708 |
| 2022 Jeep Wrangler Average Rate | $2,448 |
2021 Ford Bronco vs. Jeep Wrangler
When comparing insurance cost for the 2021 Ford Bronco and Jeep Wrangler models, the Ford Bronco has cheaper rates by an average of $26 per year for this comparison year.
The next chart shows the average cost to insure both models rated for drivers aged 20 to 50. Average insurance cost ranges from $2,116 to $4,830 per year for a 2021 Ford Bronco, and $2,138 to $4,922 for a 2021 Jeep Wrangler for the illustrated age groups.
The 2021 Ford Bronco has eight trim levels available, with the cheapest model to insure being the Sport model at an average cost of $1,982 per year, or around $165 per month.
For the 15 trims available for the Jeep Wrangler, the cheapest 2021 trim to insure is the Sport 4WD model at a cost of $1,816 per year, or $151 per month.
When rates are compared for the 23 trim levels of both 2021 models, the cheapest vehicle to insure is the Jeep Wrangler Sport 4WD at a cost of $1,816 per year. The most expensive vehicle to insure is the Jeep Wrangler Rubicon 392 at an average of $2,664 per year.
The tables shown below display trim level insurance rates for each 2021 model, as well as the overall average rate for each model.
2021 Ford Bronco
$2,366
| 2021 Ford Bronco Trims | Rate |
|---|---|
| Sport | $1,982 |
| Base | 2,302 |
| Big Bend | 2,368 |
| Black Diamond | 2,386 |
| Outer Banks | 2,432 |
| Wildtrak | 2,452 |
| Badlands | 2,496 |
| First Edition | 2,514 |
| 2021 Ford Bronco Average Rate | $2,366 |
2021 Jeep Wrangler
$2,392
| 2021 Jeep Wrangler Trims | Rate |
|---|---|
| Sport 4WD | $1,816 |
| Rubicon 4WD | 2,074 |
| Rubicon Body Color 3 Piece Hardtop | 2,138 |
| Unlimited Sport 4WD | 2,294 |
| Unlimited Sport Dual Top Group 4WD | 2,378 |
| Unlimited Sahara 4WD | 2,444 |
| Unlimited Sahara Dual Top Group 4WD | 2,480 |
| Unlimited Sahara Body Color 3 Piece Hardtop | 2,484 |
| Unlimited Rubicon Dual Top Group 4WD | 2,488 |
| Unlimited Rubicon Body Color 3 Piece Hardtop | 2,498 |
| Unlimited Rubicon 4WD | 2,506 |
| Unlimited Sahara Sky One Touch Power Top | 2,506 |
| 4xe | 2,556 |
| Unlimited Rubicon Sky One Touch Power Top | 2,572 |
| Rubicon 392 | 2,664 |
| 2021 Jeep Wrangler Average Rate | $2,392 |