How much is insurance on a Ford Bronco Sport?

A 2024 Ford Bronco Sport runs about $1,830 a year for a typical 45-year-old, $120 less than an average car of the same age, because of lower crash-repair losses, lower non-crash losses, and fewer injury claims. Putting a new 16-year-old on a family policy with the Bronco Sport adds about $1,210 a year (#12 of 26 small SUVs we compare).

2024 Ford Bronco Sport (Bronco Sport 4WD), national average

about $1,830 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 Sport drops to about $1,720 (see the table below).

A Ford Bronco Sport from the 2021–present generation. Photo: MercurySable99, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Bronco Sport 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 Sport's rank is the same in every state.

Why the Ford Bronco Sport 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 Sport 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 74 for crash repairs, 92 for non-crash damage, 97 for damage to others' property, and 92 for injury claims.

Crash repairs (collision)fixing this car after a crashBetter than average26% better than average7th best of the 26 small SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage8% better than average21st best of the 26 small SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage3% better than average16th best of the 26 small 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 8% less often than average9th best of the 24 small 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 Sport comes out about 21% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 9% less than average: about $870 a year vs $950. On the liability side, damage to others and injury claims combine to about 6% better than average. We count about half, so that part is about 3% less: $960 a year vs $990.

How the math works

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

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

A used Ford Bronco Sport, 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 Sport 4WD (0–3 years old)	about $1,830	about $960	+$1,210	about $5,240
2022 Bronco Sport 4WD (4–7 years old)	about $1,720	about $960	+$1,140	about $4,950

Our catalog covers the Ford Bronco Sport across model years 2021–2027. Full coverage on a used 2022 Bronco Sport (4–7 years old) runs about $1,720 a year, $100 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $960 a year. Each photo shows that year's generation of the car. Photo credits.

For the 2024 Ford Bronco Sport, our catalog lists the Bronco Sport 4WD configuration at about $1,830 a year.

On a policy of their own with a 2024 Ford Bronco Sport, a 22–25-year-old pays about $2,380 a year ($550 more than a 45-year-old), a 26–39-year-old about $2,030, and a driver 65 and older about $1,920.

Adding a 16-year-old with a Ford Bronco Sport

Because the Ford Bronco Sport 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), $80 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 $5,240 a year, about $4,040 more than sharing the family policy.

For adding a teen driver, the Ford Bronco Sport ranks 36th cheapest out of all 121 models we track. Stepping down to a used 2022 Bronco Sport (4–7 years old) brings the teen add-on to about $1,140 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 small SUVs

Among these 26 small SUVs, the Ford Bronco Sport is the 12th least expensive to insure. Right next to it are the Chevrolet Equinox (about $1,810 a year) and the Chevrolet Trailblazer (about $1,830).

Photos from Wikimedia Commons contributors. Photo credits.

What a Ford Bronco Sport costs in your state

In six sample states, a 2024 Ford Bronco Sport runs from about $1,270 a year in Hawaii through North Carolina, West Virginia, Oklahoma and Nevada to about $2,190 in Texas:

Hawaiiabout $1,270/yr · +$840 teen
North Carolinaabout $1,390/yr · +$920 teen
West Virginiaabout $1,560/yr · +$1,030 teen
Oklahomaabout $1,680/yr · +$1,110 teen
Nevadaabout $2,030/yr · +$1,340 teen
Texasabout $2,190/yr · +$1,450 teen

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

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