Ford Bronco insurance rates sit in an unusual spot for a vehicle this rugged. The Bronco looks like it should cost a fortune to insure. Removable doors, a removable roof, big off-road tires, and a starting price north of $40,000 all push the math in one direction. The actual claim and theft data point the other way.

This guide pulls the latest Ford Bronco insurance rates from primary sources only: the Insurance Institute for Highway Safety (IIHS), the Highway Loss Data Institute (HLDI), Ford’s own 2026 pricing, and the National Insurance Crime Bureau (NICB). The picture that comes out is more detailed than most car-buying blogs make it. For a wider view, compare these numbers with our car insurance rates by vehicle type guide and our car insurance by state breakdown.

What a 2026 Ford Bronco Actually Costs to Buy

Sticker price drives Ford Bronco insurance rates more than almost anything else. The higher the value, the more comprehensive and collision coverage have to pay out after a total loss.

The 2026 Bronco lineup runs from a stripped-down Base 2-Door at $40,495 up to a Raptor at $79,995, per Ford’s 2026 Bronco model pages. The six retail trims for 2026 are Base, Big Bend, Outer Banks, Badlands, Heritage Edition, and Raptor. Black Diamond and Wildtrak are no longer standalone trims. They’ve moved to package status, with Wildtrak now a Badlands 4-door-only option that bundles the Sasquatch package, the 2.7L EcoBoost V6, and the upgraded HOSS 3.0 suspension.

That spread matters for insurance. A Big Bend with the standard 2.3L turbo will cost noticeably less to insure than a Raptor, because the Raptor’s replacement cost is nearly double and its parts are pricier to source after a crash.

Bronco Safety Scores Help, but Headlights Hurt

The 2024 four-door Bronco earned the highest “Good” rating from IIHS in every crashworthiness category they tested: small overlap front (both driver and passenger sides), the original moderate overlap front, and the updated side test. That rating applies to 2021-25 models, per the IIHS Ford Bronco 4-door SUV page.

The Bronco’s pedestrian front crash prevention systems also do well. Both the standard Pre-collision Assist with AEB and the optional Ford Co-Pilot360 system earned an “Advanced” rating, the second-highest tier on IIHS’s pedestrian crash test.

The weak spots are the LATCH child-seat anchors (Acceptable) and headlights (Marginal across both available variations). Marginal headlights don’t usually move premiums on their own, but they’re a real-world safety hit, and a few carriers do factor IIHS scores into their rating algorithms.

Theft Risk Is Lower Than the Bronco’s Looks Suggest

This is where the Bronco surprises most buyers. The 2-door convertible 4WD posted a relative whole-vehicle theft claim frequency of just 14, against an all-passenger-vehicle baseline of 100. The 4-door convertible 4WD came in at 27. Both are well below the all-vehicle average, per HLDI Report WT-24 covering 2022-24 model years.

For context, the same HLDI report puts pickup trucks at a claim frequency of 0.91 (more than double SUVs at 0.31) and the Ram 1500 crew cab SWB 4WD at a relative claim frequency of 524, meaning that Ram is stolen more than five times as often as the average passenger vehicle. The Bronco isn’t even close to that risk profile.

Vehicle	Class	Relative Theft Claim Frequency	Relative Overall Theft Losses
Ford Bronco 2-door convertible 4WD	Midsize SUV	14	14
Ford Bronco 4-door convertible 4WD	Midsize SUV	27	28
All passenger vehicles	(baseline)	100	100
Pickups (class avg)	Trucks	204	257
Ram 1500 crew cab SWB 4WD	Large pickup	524	831

Source: HLDI Insurance Report WT-24, May 2025. Values above 100 are worse than average; values below 100 are better.

The takeaway: the Bronco’s removable doors and roof get talked about a lot in shopping forums, but the actual loss data shows the vehicle just isn’t a high-volume theft target. Most carriers price comprehensive accordingly.

Why Some Ford Bronco Insurance Rates Still Run High

The factors that push these rates up live mostly on the collision side, not the comprehensive side.

Replacement cost is high. A Raptor totaled in a crash is a $75,000 to $80,000 payout. That alone pushes collision premiums on top trims well above what you’d pay on a base Toyota RAV4 or Honda CR-V.

Repair parts are pricier than mainstream SUVs. The Bronco’s body-on-frame construction, full skid plates, off-road tires, and exposed steel mean specific replacement components cost more than the equivalent panels on a unibody crossover.

Trim selection matters. The Sasquatch package alone adds roughly $6,465 to the vehicle’s value, per Ford’s 2026 Bronco model pages. That’s pure replacement cost an insurer has to underwrite.

Driver age, driving record, and location still do most of the work in any individual quote. The Insurance Information Institute is direct about this: the value of the vehicle, the likelihood of theft, the cost of repairs, engine size, and the overall safety record all factor into the price, but the driver’s record and ZIP code are the biggest single variables, per the III’s primer on what determines an auto policy’s price.

How Trim Choice Changes Your Bronco Premium

If you’re shopping Bronco trims and trying to keep insurance costs in check, the order of operations is pretty clear. Base trims are cheaper to insure than top trims because there’s less to replace.

• A Base or Big Bend 2-door at the low end of the lineup carries less collision exposure.
• An Outer Banks or Badlands lands in the middle and gives you the LED Signature headlight package, which IIHS rated Marginal but is still better than the base setup on visibility.
• A Raptor or Heritage Edition will cost the most to insure because of replacement value and specialty parts.

The Sasquatch package is the variable most owners underestimate. Adding it bumps both the sticker price and the replacement cost of every wheel, tire, axle, and shock absorber on the vehicle. Insurance follows that cost.

How Bronco Insurance Compares to Its Direct Rival

The Jeep Wrangler is the Bronco’s closest competitor on the showroom floor, and the two trade well-known similarities: removable roofs, body-on-frame builds, serious off-road hardware. They also trade insurance profiles in some interesting ways.

The 2022-24 Jeep Wrangler 4-door convertible 4WD posted a relative theft claim frequency of 149 against the all-passenger-vehicle baseline of 100, well above average, and roughly 5.5 times the Bronco 4-door’s rate of 27, per HLDI Report WT-24. The 2-door Wrangler convertible 4WD came in at 54, again higher than the Bronco’s 14.

That gap is the single most-underappreciated insurance fact about the Bronco. If you’ve been quoted a high comprehensive premium because an agent assumed the Bronco insures like a Wrangler, the underlying data doesn’t support it.

Where the Bronco Sells, and Where It’s Insured

Bronco sales hit 109,172 units in 2024 (up roughly 3.3% year-over-year) and 146,007 in 2025 (up roughly 34%), Bronco’s best year ever, per Ford’s Q4 2025 U.S. sales release. The fastest-growing markets are Texas, Florida, California, the mountain West, and the Pacific Northwest, where the off-road use case lines up with how the truck is built.

Geography matters for insurance because state-level loss costs and theft rates vary so much. Florida and California have higher overall comprehensive costs than Iowa or Idaho. Drivers garaging a Bronco in a low-cost rural ZIP will pay less than identical drivers in Miami or Los Angeles, regardless of how the vehicle itself scores on theft.

How to Save on Insurance

The Ford Bronco isn’t the insurance disaster its silhouette suggests. The data actually argues for a lighter-than-expected comprehensive premium. Where buyers pay more than they need to is on collision, and that’s the side they can influence with smart shopping.

1. Quote at least four carriers before you buy, and ask each to price the exact trim and package combination you want. Pricing on Sasquatch-equipped builds varies more than on base trims.
2. Bundle Bronco coverage with homeowners or renters insurance. Multi-policy discounts typically run 10 to 25 percent and rank among the most reliable ways to cut a premium, per the III.
3. Push the comprehensive deductible to $1,000 if you can afford it out of pocket. Bronco theft frequency is below average, so the comp side is a lower-risk place to take a higher deductible.
4. Confirm the carrier is using the actual IIHS and HLDI data, not a generic “off-road SUV” class assumption. A few small carriers default to Wrangler-class theft assumptions for the Bronco. Ask.
5. Re-shop the policy every 12 months, especially after any model-year change. Rates on newer trims often settle lower once HLDI publishes more loss data on them.

The Bronco rewards drivers who quote the exact trim and Sasquatch package across several carriers and who confirm the insurer is pricing off real IIHS and HLDI data rather than a generic off-road SUV class. Because Bronco theft frequency sits below average, the comprehensive side is the safer place to take a $1,000 deductible. Re-shop every 12 months, since rates on newer trims often settle lower once more loss data publishes.

Sources Used

• IIHS, 2024 Ford Bronco 4-door SUV crashworthiness and crash avoidance ratings
• HLDI Insurance Report WT-24, Whole vehicle theft losses, 2022-24 passenger cars, pickups, SUVs, and vans (May 2025)
• Insurance Information Institute, What determines the price of an auto insurance policy
• Ford.com, 2026 Ford Bronco model lineup and pricing
• Ford Motor Company, Q4 2025 U.S. sales release (Bronco full-year 146,007 units)

Fact-checked: 2026-05-23