How much is insurance on a Ford Bronco?

A 2024 Ford Bronco runs about $1,840 a year for a typical 45-year-old, $110 less than an average car of the same age, because of lower crash-repair losses and lower non-crash losses. Putting a new 16-year-old on a family policy with the Bronco adds about $1,210 a year (#14 of 25 midsize SUVs we compare).

2024 Ford Bronco (Bronco 4WD), national average

about $1,840 a year (about $155 a month)

Estimated range: $1,350–$2,450. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2022 Bronco drops to about $1,740 (see the table below).

A Ford Bronco from the 2021–present generation. Photo: Elise240SX, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Bronco 4WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Bronco's rank is the same in every state.

Why the Ford Bronco costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Ford Bronco 4dr convertible 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 66 for crash repairs, 75 for non-crash damage, 121 for damage to others' property, and 90 for injury claims.

Crash repairs (collision)fixing this car after a crashBetter than average34% better than average3rd best of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average25% better than average7th best of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage21% worse than average24th best of the 25 midsize SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 10% less often than average14th best of the 21 midsize SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Bronco comes out about 31% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 13% less than average: about $830 a year vs $950. On the liability side, damage to others and injury claims combine to about 3% worse than average. We count about half, so that part is about 2% more: $1,010 a year vs $990.

How the math works

In EPA size classes, the Bronco is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Ford Bronco is benchmarked against midsize SUVs.

Matched to HLDI series “Ford Bronco 4dr convertible 4WD” (HLDI, 2022–24 models).

A used Ford Bronco, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Bronco 4WD (0–3 years old)	about $1,840	about $1,010	+$1,210	about $5,270
2022 Bronco 4WD (4–7 years old)	about $1,740	about $1,010	+$1,150	about $4,990

Our catalog covers the Ford Bronco across model years 2021–2027. Full coverage on a used 2022 Bronco (4–7 years old) runs about $1,740 a year, $100 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $1,010 a year. Each photo shows that year's generation of the car. Photo credits.

All 5 versions of the 2024 Ford Bronco in our catalog (Bronco 4WD, Bronco Badlands 4WD, Bronco Black Diamond 4WD, Bronco Raptor 4WD and Bronco Sasquatch 4WD) price within about $50 a year of each other.

On a policy of their own with a 2024 Ford Bronco, a 22–25-year-old pays about $2,390 a year ($550 more than a 45-year-old), a 26–39-year-old about $2,040, and a driver 65 and older about $1,930.

Adding a 16-year-old with a Ford Bronco

Because the Ford Bronco starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,210 a year ($100 a month), $70 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,270 a year, about $4,060 more than sharing the family policy.

For adding a teen driver, the Ford Bronco ranks 38th cheapest out of all 121 models we track. Stepping down to a used 2022 Bronco (4–7 years old) brings the teen add-on to about $1,150 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Ford Bronco is the 12th most expensive to insure. Right next to it are the Volkswagen Tiguan (about $1,800 a year) and the Mazda CX-90 (about $1,840).

Photos from Wikimedia Commons contributors. Photo credits.

What a Ford Bronco costs in your state

In six sample states, a 2024 Ford Bronco runs from about $1,250 a year in Idaho through Wyoming, Oregon, Massachusetts and Colorado to about $2,420 in New York:

Idahoabout $1,250/yr · +$830 teen
Wyomingabout $1,510/yr · +$990 teen
Oregonabout $1,620/yr · +$1,070 teen
Massachusettsabout $1,800/yr · +$1,190 teen
Coloradoabout $2,110/yr · +$1,390 teen
New Yorkabout $2,420/yr · +$1,600 teen

All 50 states and DC · Updated November 5, 2026.

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