Car Insurance Quotes for Ford Bronco
Are You Getting the Cheapest Car Insurance Available for a Ford Bronco?
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How Much Is Car Insurance for a Ford Bronco?
Car insurance for a Ford Bronco averages $205 per month for full insurance and $95 for liability insurance. Choosing the right type of insurance is very important to keep this SUV, which gives you more freedom on the road wherever you go, in good condition, whether for daily driving, weekend trips, or outdoor adventures.
The bilingual agents at Freeway Insurance help you compare coverage options and quotes until they find the affordable car insurance that is right for you and your needs.
Getting a Free Auto Insurance quote with Freeway is easy!
Comparing Insurance Costs for Ford Bronco to Other SUVs
Your Ford Bronco is not just any other SUV; its off-road capability makes its repair costs and specialized parts more expensive, and this is reflected in the cost of its car insurance. In general, this vehicle falls at a mid-point in coverage costs compared to vehicles within its same segment and capabilities.
| Make/Model | Annual Full Coverage Insurance |
|---|---|
| Ford Bronco | $2,459 |
| Jeep Wrangler | $2,400 |
| Toyota 4Runner | $2,262 |
| Toyota Land Cruiser | $3,233 |
| Jeep Gladiator | $2,374 |
Types of Car Insurance Coverage for an Off-Road SUV
When choosing coverage for your Ford Bronco, it helps to think about how and where you drive, along with the type of auto insurance you feel comfortable carrying. Some drivers want basic coverage to stay legal, while others prefer broader protection because of higher repair costs or frequent outdoor use.
Full Coverage
With full insurance car coverage, you get protection with three main coverages:
- Liability insurance, which helps pay for property damage and bodily injuries to third parties in an accident for which you are at fault.
- Collision insurance, which helps repair or replace your Bronco after a collision in an accident, regardless of who is at fault.
- Comprehensive insurance, which safeguards your vehicle in situations that are not collisions, such as theft, vandalism, falling objects, fire, or damage caused by animals.
For example, imagine you’re on a weekend trip and loose gravel cracks your windshield, or a branch scratches the body while you’re parked near a trail. Comprehensive coverage can help with those repairs. If another driver hits your Bronco in a parking lot and leaves, collision coverage may apply.
Because off-road-capable vehicles often have higher repair costs, many Bronco owners choose full coverage to avoid large out-of-pocket expenses. You can also add the Freeway Auto Club for 24/7 roadside assistance like towing, lockouts, flat tires, and battery jumps.
State Minimum Liability
Liability insurance is the basic level of protection required by law, and its coverage applies to bodily injuries or death, as well as property damage when you are responsible for an accident.
There are different minimum auto insurance limits by state. For example, in New Mexico, all drivers must have a policy of at least 25/50/10, which means $25,000 coverage for bodily injury/death per person, $50,000 bodily injury/death coverage per accident, and $10,000 insurance for property damage.
The reality is that the minimum coverage is insufficient in most medium or large accidents and does not offer protection for yourself or your Bronco, so it is better to increase the limits or opt for a full policy.
Individual Factors That Influence Pricing for a Ford Bronco
Carriers look beyond the vehicle itself when calculating your insurance premium. They consider personal details and environmental factors. Here are some of the factors that can influence what you pay:
- How the vehicle is used: Frequent off-road use or long-distance driving can affect pricing.
- Vehicle modifications: Lift kits, larger tires, or aftermarket accessories may increase insurance costs.
- Credit score: In many states, a stronger credit score can help lower premiums.
- Driving history: Accidents, tickets, or past claims can raise rates.
- Where you live: Rates may be higher in areas with more accidents or theft. For example, did you know that California, Texas, and Florida are the states with the highest vehicle theft rates in the USA? So, your address can also affect insurance pricing.
Because each driver’s situation is unique, comparing quotes with an insurance agent is often the best way to find a fair price.
How Does a DUI Affect Insurance Rates?
A DUI can quickly change how insurers see your driving profile. Once it’s on your record, many companies consider you a higher-risk driver, which often leads to higher premiums or fewer coverage options.
For example, after a DUI, your insurer may choose not to renew your policy. You might also be required to file an SR-22, which proves you’re carrying the state’s minimum insurance. This can limit your options and increase costs for a period of time.
At Freeway Insurance, we work with DUI cases and can guide you through SR-22 filings, helping you stay insured while you rebuild your driving record.
Ways to Save on Ford Bronco Car Insurance
Even with a rugged SUV, there are still ways to get cheap car insurance. A Freeway Insurance agent can review your situation and help you find savings that fit your profile, rather than relying on generic discounts.
Some driver discounts you might qualify for include:
- Bundling Discount: If you combine your car insurance with your renters or home insurance, you save more.
- Paid-in-Full Discount: Paying the policy upfront may reduce costs.
- Multi-Vehicle Discount: Insuring more than one car under the same policy.
- Safe Driver: For those who remain free of tickets and fines and have maintained a good driving record for several years.
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What Are Some of the Characteristics of the Ford Bronco?
The Ford Bronco first appeared on the U.S. market in 1966 as a rugged compact 4×4. Over time, it evolved into a full-size SUV by 1996, when production stopped. This model was revived in 2021, more modern and powerful, with up to 418 horsepower, a 7-speed manual transmission, and up to a 10-speed automatic transmission, as well as a maximum towing capacity of 4,500 pounds.
The latest Ford Bronco models have a starting price of $40,400, so it’s best to protect your investment with the right car insurance.
Find the Best Car Insurance Rates Online for a Ford Bronco Today
Your Ford Bronco is built for versatility and exploration, and the right insurance helps you enjoy it with confidence. With Freeway Insurance, you can compare quotes, explore coverage options, and choose affordable car insurance that fits how you drive and where you go.
Call 800-777-5620, visit a nearby Freeway Insurance office, or start your free quote online today.