Comprehensive Guide to Ford Bronco Car Insurance Costs for 2025

Is a Ford Bronco cheap or expensive to insure?

We compared average rate quotes from the Big Bend trim level to the top tier Raptor model to discover how insurance on a Bronco sizes up to the midsize SUV segment.

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  • Ford Bronco insurance costs an average of $2,600 per year ($217 per month) for a full coverage policy.
  • The Bronco is one of the more expensive midsize SUVs to insure, costing $286 more per year on average when compared to the rest of the vehicles in the segment.
  • The cheapest Ford Bronco insurance is on the Bronco Big Bend model at an average cost of $2,330 per year.
  • The most expensive trim to insure is the Bronco Raptor at $2,926 per year.

How much does Ford Bronco insurance cost?

Ford Bronco insurance costs an average of $2,600 a year for a full coverage policy. Depending on the trim level being insured, monthly car insurance cost for a 2024 Ford Bronco ranges from $194 to $244.

The graphic below shows average 2024 Ford Bronco insurance cost when rated for different driver ages and risk profiles.

Average 2024 Ford Bronco insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Ford Bronco insurance premiums for different driver ages and risk scenarios. Updated on June 27, 2025.

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Data Methodology: Rates by driver age assume full coverage with $500 deductibles with UM/UIM coverage included. Discount rates include all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates by credit rating assume a 40-year-old driver with full coverage and $500 deductibles. Rates by deductible assume a 40-year-old driver with good credit and no prior driving violations or at-fault accidents. Rates are averaged for all 2024 Ford Bronco trim levels.

2024 Ford Bronco Insurance Cost Summary
Driver Age Driver Risk Profile Annual Premium Cost Per Month
16Teenage Driver$9,292$774
17Teenage Driver$9,022$752
18Teenage Driver$8,122$677
25High-Risk Driver$6,346$529
40High-Risk Driver$5,778$482
60High-Risk Driver$5,190$433
25Safe Driver$3,024$252
40Safe Driver$2,600$217
60Safe Driver$2,150$179
25Driver Qualifies for Multiple Discounts$2,506$209
40Driver Qualifies for Multiple Discounts$2,158$180
60Driver Qualifies for Multiple Discounts$1,788$149
40Driver with Fair Credit (580-669)$3,008$251
40Driver with Good Credit (670-739)$2,600$217
40Driver with Very Good Credit (740-799)$2,395$200
40Driver has Low Policy Deductibles ($250)$3,042$254
40Driver has Average Policy Deductibles ($500)$2,600$217
40Driver has High Policy Deductibles ($1,000)$2,176$181

Data Methodology: Rates by driver age assume full coverage with $500 deductibles with UM/UIM coverage included. Discount rates include all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates by credit rating assume a 40-year-old driver with full coverage and $500 deductibles. Rates by deductible assume a 40-year-old driver with good credit and no prior driving violations or at-fault accidents. Rates are averaged for all 2024 Ford Bronco trim levels.

As shown by the data in the infographic, young and high-risk drivers pay the highest car insurance rates. Also notable is the impact of your credit score and your deductible selection on the cost of insurance. Not all states use credit as a rating factor, but for those that do, maintaining a good credit rating can save quite a bit on car insurance.

A few additional key data insights regarding Bronco car insurance cost include:

  • Improve your credit to save money. In states that give the green light for a driver’s credit score to be used as a pricing factor, having a high credit score of 800+ could get savings of $408 per year versus a credit score ranging from 670-739. Conversely, a subpar credit score could cost up to $473 more per year.
  • Age and gender affect car insurance rates. For a 2024 Ford Bronco, a 20-year-old male pays an average rate of $5,264 per year, while a 20-year-old female will pay $3,760, a difference of $1,504 per year in the women’s favor by a large margin. But by age 50, the cost for men is $2,296 and the rate for females is $2,240, a difference of only $56.
  • Be a careful driver and save. Too frequent at-fault accidents can raise rates, potentially by an additional $1,264 per year for a 30-year-old driver and as much as $782 per year for a 50-year-old driver.
  • Increasing deductibles lowers insurance cost. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $424 per year for a 40-year-old driver and $838 per year for a 20-year-old driver.
  • Low physical damage deductibles increase policy cost. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $442 per year for a 40-year-old driver and $886 per year for a 20-year-old driver.
  • Ford Bronco insurance rates for teens are expensive. Average rates for full coverage 2024 Ford Bronco insurance cost $9,292 per year for a 16-year-old driver, $9,022 per year for a 17-year-old driver, and $8,122 per year for an 18-year-old driver.
  • Your choice of occupation could lower your rates. Some car insurance companies offer policy discounts for earning a living in occupations like farmers, members of the military, police officers and law enforcement, high school and elementary teachers, firefighters, engineers, and other occupations. By working in a profession that qualifies for this discount, you could potentially save between $78 and $228 on your car insurance premium, depending on the age of the driver.

Is a Bronco cheap to insure?

Insurance on a 2024 Ford Bronco ranks 31st out of 34 comparison vehicles for overall affordability. The Bronco costs an average of $2,600 per year to insure, while the midsize SUV category average cost is $2,314 annually, a difference of $286 more per year.

When rates for the most popular models in the segment are compared, insurance for a Ford Bronco costs $76 less per year than the Jeep Wrangler, $90 more than the Toyota 4Runner, $258 more than the Jeep Grand Cherokee, and $606 more than the Subaru Outback.

When average Ford Bronco insurance rates are compared to all vehicles (not just midsize SUVs), they cost 15.7% more than the national average car insurance rate of $2,221 per year.

The comparison chart below shows how well average Ford Bronco car insurance rates compare to other midsize SUVs, including the Jeep Wrangler, for the 2024 model year.

Insurance Cost Comparison: Ford Bronco vs Midsize SUVs
Rank Make and Model Annual Premium Difference
1Honda Passport$1,866-$734
2Nissan Murano$1,968-$632
3Subaru Outback$1,994-$606
4Buick Envista$2,004-$596
5Subaru Ascent$2,038-$562
6Volkswagen Atlas$2,078-$522
7Volkswagen Atlas Cross Sport$2,086-$514
8Ford Explorer$2,124-$476
9Toyota Highlander$2,132-$468
10Toyota Venza$2,136-$464
11Chevrolet Traverse$2,186-$414
12Mitsubishi Outlander Sport$2,198-$402
13Mitsubishi Outlander PHEV$2,210-$390
14Ford Edge$2,214-$386
15Kia Sorento$2,222-$378
16GMC Acadia$2,262-$338
17Buick Enclave$2,266-$334
18Honda Pilot$2,280-$320
19Mazda CX-9$2,286-$314
20Jeep Grand Cherokee$2,342-$258
21Hyundai Santa Fe$2,382-$218
22Nissan Pathfinder$2,384-$216
23Hyundai Palisade$2,394-$206
24Chevrolet Blazer$2,416-$184
25Kia Telluride$2,444-$156
26Toyota 4Runner$2,510-$90
27Mazda CX-90$2,522-$78
28Toyota Grand Highlander$2,552-$48
29Kia EV9$2,568-$32
30Tesla Model Y$2,592-$8
31Ford Bronco$2,600--
32Jeep Wrangler$2,676$76
33Dodge Durango$2,872$272
34Rivian R1S$2,882$282

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025

At $2,600 per year, insurance cost for a 2024 Ford Bronco ranks 31st out of 34 models in the midsize SUV segment
At $2,600 per year, insurance cost for a 2024 Ford Bronco ranks 31st out of 34 models in the midsize SUV segment

What is the cheapest Ford Bronco insurance?

With Ford Bronco insurance rates ranging from $2,330 to $2,926 per year on average, the cheapest model to insure is the Big Bend trim. The next cheapest model to insure is the Black Diamond at $2,418 per year.

The highest cost trim levels of Ford Bronco to insure are the Raptor at $2,926 and the Heritage Limited Edition at $2,790 per year. Those models will cost an extra $596 and $460 per year, respectively, over the cheapest Big Bend model.

The model comparison chart below shows average annual and semi-annual car insurance rates for each trim level available for the 2024 Ford Bronco.

2024 Ford Bronco Insurance Rates by Trim Level
2024 Ford Bronco Trim Level Annual Premium Cost Per Month
Big Bend$2,330$194
Black Diamond$2,418$202
Heritage Edition$2,524$210
Outer Banks$2,524$210
Badlands$2,550$213
Everglades$2,640$220
Wildtrak$2,696$225
Heritage Limited Edition$2,790$233
Raptor$2,926$244

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2024 Ford Bronco ranging from the Big Bend model at $2,330 per year to the Raptor model at $2,926
Insurance cost by trim level for a 2024 Ford Bronco ranging from the Big Bend model at $2,330 per year to the Raptor model at $2,926

Average cost to insure a Ford Bronco in your state

Where you live is one of the largest factors that determine how much you’ll pay to insure your Bronco. Rates can vary significantly, even down to a zip code level, due to things like historical weather-related claims (hail and floods), crime (vehicle theft and vandalism), and even just the amount of traffic congestion on your daily commute.

The table below shows the average cost to insure a Ford Bronco in all 50 U.S. states. Click any state name to view additional rates and information.

2024 Ford Bronco Average Insurance Cost by State
U.S. State Annual Premium Cost Per Month
Alabama$2,552$213
Alaska$2,276$190
Arizona$2,584$215
Arkansas$2,836$236
California$3,152$263
Colorado$2,886$241
Connecticut$2,968$247
Delaware$3,012$251
Florida$3,058$255
Georgia$2,788$232
Hawaii$2,130$178
Idaho$2,190$183
Illinois$2,506$209
Indiana$2,258$188
Iowa$2,104$175
Kansas$2,716$226
Kentucky$2,886$241
Louisiana$2,950$246
Maine$1,978$165
Maryland$2,608$217
Massachusetts$2,918$243
Michigan$3,172$264
Minnesota$2,470$206
Mississippi$2,698$225
Missouri$2,994$250
Montana$2,588$216
Nebraska$2,430$203
Nevada$3,124$260
New Hampshire$2,108$176
New Jersey$3,154$263
New Mexico$2,402$200
New York$3,052$254
North Carolina$2,020$168
North Dakota$2,416$201
Ohio$2,162$180
Oklahoma$2,946$246
Oregon$2,618$218
Pennsylvania$2,668$222
Rhode Island$3,210$268
South Carolina$2,432$203
South Dakota$2,798$233
Tennessee$2,652$221
Texas$2,608$217
Utah$2,506$209
Vermont$2,218$185
Virginia$2,098$175
Washington$2,558$213
West Virginia$2,536$211
Wisconsin$2,194$183
Wyoming$2,532$211

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025

Average annual premium and cost per month to insure a 2024 Ford Bronco in all 50 U.S. States
Average annual premium and cost per month to insure a 2024 Ford Bronco in all 50 U.S. States

When viewing average rates, keep in mind that actual costs can be higher or lower, depending on things like your age, your driving record, your prior claim history, and possibly your credit rating.

Cost can be very different not only within any individual state but also within any city. We recommend getting a few free Ford Bronco insurance quotes using your zip code in order to narrow down your individual rate and ensure you’re getting the best price.