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Ford Bronco car insurance rates

Expect high insurance costs similar to the Ford Explorer despite high safety ratings.

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Megan Shepherd
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The average insurance costs for a Ford Bronco are yet to be determined since this model hasn’t been seen since 1996. If insurance rates are comparable to rates for the similarly priced Explorer, you’ll pay an average of $171 per month or $2,052 per year — about $752 more than the national average. With a projected starting MSRP of $30,000, its estimated cost-to-base ratio may fall around 15%, higher than the national average of 4%. Filter car insurance companies by your state to get a quote.

As a crossover SUV well suited for off-roading, you can expect insurance rates to reflect both its build for high-risk activities and possible maintenance needs. Some factors may help tip the scale, such as:

  • Body type. The Bronco will be available in two or four-door options with four-wheel drive. This type of SUV is designed for off-roading and other high-risk activities, which could lead to more expensive insurance rates.
  • Fuel. While we don’t have MPG stats yet, its engine is expected to come with a gas-powered 2.3-liter turbocharged 4-cylinder engine — much like the 2019 Ford Ranger that sees up to 24 mpg. Gas-powered vehicles tend to see lower insurance rates when compared to diesels or hybrids.
  • Theft rates. The new Bronco hasn’t hit the market yet, but its older model saw lower than average theft rates. If safety features are comparable to newer Ford models, keyless car entry and antitheft alarms may keep theft rates low.
  • Maintenance. The Bronco could be expensive to repair, especially if it’s subject to off-roading and heavy use. Since Ford lacks complimentary maintenance coverage compared to other brands — you might end up with routine maintenance costs.
  • Coverage. You could opt for standard coverage to help lower your rates. However, you might want roadside assistance after your warranty runs out if you plan on taking it off-road.
  • Warranty. The Bronco is likely to come with Ford’s traditional warranty — a limited warranty covering three-years or 36,000 miles and its powertrain warranty covering five-years or 60,000 miles. But you won’t get any complimentary maintenance coverage from Ford.
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
USAA
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Progressive
Progressive
loan/lease coverage
Yes
Snapshot
Yes
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Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
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The Zebra
The Zebra
Yes
Yes
Yes
Yes
All 50 states
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Smartfinancial
Smartfinancial
Yes
Yes
No
All 50 states and DC
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Pretected
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
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Liberty Mutual
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
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Does the Ford Bronco qualify for discounts?

We won’t know the full extent of the Broncos qualifiable discounts until its release date, but we speculate the Bronco may align with the discounts offered for the new Ford Ranger, including:

  • Antitheft discount
  • Safety features discount
  • New car discount
  • Antilock brakes

How reliable is the Ford Bronco?

With no statistics available for this model, it’s hard to tell if the Bronco will experience any problems. However, expected safety features Ford adds to new models — like automated emergency braking — may add to safety and reliability. And a high safety rating translates to lower insurance rates.

  • Safety. This model hasn’t yet been rated, but similar models like the Explorer received mostly good marks and a superior crash rating. Expect to see a wide range of driver-assist features to help with safety, like lane-keeping assist.
  • Reliability. Reliability ratings have yet to be recorded. Similar midsize SUVs from Ford like the Explorer or Edge make the top 20 list for best midsize SUVs on the market, which takes reliability into account, according to US news.
  • Recalls. Several similar new Ford models like the Explorer, Expedition and Ranger have received recalls, in some cases as many as four. Recall issues range from seatbelt malfunctions to fuel leaks.

Bottom line

The Ford Bronco is surely a beloved relic from the 60s and 70s model, but insurance rates might stack on the higher side due to its off-roading capabilities and lack of reliability.

To get the best value and coverage, compare car insurance companies for the Bronco and check out insurance rates for comparable car models.

Frequently asked questions about Ford Bronco insurance

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