How much is insurance on a 2022 Ford Bronco?

For a 2022 Ford Bronco, most drivers pay roughly $1,800 to $2,800 per year for full-coverage auto insurance, though your exact premium can be lower or higher based on age, location, driving history, and chosen deductibles and limits.

Insurance costs for the Bronco vary widely because insurers weigh risk based on driver profile, location, coverage levels, and the specific Bronco trim and features. This article explains what you should know and how to shop for quotes.

What affects Bronco insurance costs

This section outlines the main factors that can push premiums up or down. Understanding these elements can help you compare quotes more effectively.

• Driver age and driving history (tickets, accidents, violations).


• Location and annual mileage (urban areas, theft rates, and road conditions influence risk).


• Bronco trim and engine (higher-performance or top-tier trims may incur higher premiums).


• Coverage levels and deductibles you choose (higher limits or lower deductibles raise premiums).


• Safety and anti-theft features (alarms, GPS tracking, and other protections can reduce costs).


• Credit-based scoring where permitted (some states limit or ban its use in pricing).


• Vehicle usage (personal vs business use, lease vs own).

Knowing these factors helps you anticipate your quote and compare offers from insurers.

Estimated ranges by driver profile

The price you pay varies a lot by your profile. The ranges below illustrate typical annual premiums for full-coverage policies on a 2022 Ford Bronco, based on common scenarios. Real quotes can be higher or lower depending on the specifics.

Trims and features that commonly affect premiums

• Young drivers under 25 with a Bronco: roughly $2,500 to $4,000 per year.


• Drivers aged 25-34 with a clean record: about $1,800 to $2,800 per year.


• Midlife drivers 35-54: around $1,700 to $2,700 per year.


• 55+ drivers: roughly $1,600 to $2,500 per year.


• High-performance or top trim (e.g., Badlands, Raptor) can push premiums higher within these ranges.

Note: Rates vary widely by insurer and location; always compare quotes for your exact situation.

How to get an accurate quote

Before you get quotes, gather information about yourself and the vehicle to speed the process and improve accuracy.

• Your driver's license information, current insurer (if any), and driving history.


• Details about the Bronco: trim, VIN, safety features, and whether financed or leased.


• Desired coverage levels (state-minimum vs. full coverage) and preferred deductibles.


• Annual mileage estimate and typical use (commuting, road trips).

Pro tip: Get quotes from multiple insurers and consider bundling home or other policies for potential discounts.

Tips to lower your Bronco insurance cost

Here are practical steps that can reduce your premium without sacrificing essential protection.

• Increase deductibles to lower annual premiums if you can afford higher out-of-pocket costs after a claim.


• Bundle auto with home/renters or other policies with the same insurer to gain multi-policy discounts.


• Maintain good credit where allowed and keep a clean driving record.


• Install or verify active safety features and anti-theft devices; keep them up to date.


• Compare quotes regularly; insurers frequently adjust rates and promotions.

Implementing these strategies can lead to meaningful savings over time. Always confirm how each change affects your coverage and out-of-pocket costs.

Summary

Insurance costs for a 2022 Ford Bronco vary by driver, location, trim, and coverage choices. Typical full-coverage premiums for a middle-aged driver often fall in the $1,700–$2,800 range, but under-25 drivers or high-performance trims can push that higher, while cautious drivers in favorable locations may see lower rates. To obtain an accurate number, request quotes from several insurers using the exact vehicle details and your coverage preferences, and apply the cost-saving strategies listed above.

For the latest figures, consult insurers directly or compare current quotes, since rates move with market conditions, claims experience, and regulatory changes.

What year is Bronco to stay away from?

You should avoid the 2021 and 2022 Ford Broncos due to numerous recalls and quality issues, especially with the hard tops. For classic Broncos, 1988 is a year to avoid because of electrical problems, and 1993 had issues with recalls, parking brakes, and transfer cases. 
This video discusses reasons to avoid buying a Ford Bronco, including recalls and quality issues: 53sMaie HavenYouTube · Apr 23, 2025
Modern Ford Broncos (2021-Present)

• 2021 and 2022: These initial model years are associated with numerous recalls and quality complaints, particularly related to the hard top, engine, and various interior and exterior fit-and-finish problems. 

Classic Ford Broncos

• 1988: This model year had a problematic electrical system. 
• 1993: This year was plagued with recalls, including fire risks, parking brake issues, and problems with the transfer case slipping out of gear. 
• 1980-1982: These models have a frame design with holes that can make it brittle and weak. 
• 1990-1996: Many Broncos from this era can experience issues with the intake manifold gasket, leading to high engine idle, especially with high mileage. 

This video discusses common problems in Ford Broncos: 59sExoticCar PlayPlaceYouTube · Jul 4, 2025
What to consider instead

• Modern Broncos: Ford has addressed many of the initial issues in later models, so a 2024 or newer might be a better choice, although 2024 and 2025 models still had recalls for issues like improper fastener installation. 
• Classic Broncos: Aim for the fifth generation (1992-1996) or later, as these models are generally more reliable and safer. 

Are Ford Broncos expensive to insure?

No, Ford Broncos are not necessarily expensive to insure and can be less expensive than the average SUV. However, your specific insurance cost will vary based on personal factors like your age, driving history, and location, as well as the vehicle's model year and trim. Comparing quotes from multiple insurers is the best way to find the most accurate price for your situation. 
Factors that influence your premium

• Personal information: Your age, driving record, credit score, and location can significantly impact your rates. 
• Vehicle details: The model year and specific trim level (e.g., a premium trim with off-road components might cost more) will affect the price. 
• Coverage type: The cost will be lower for state minimum liability insurance and higher for full coverage. 

Tips for getting a lower rate

• Compare quotes: It's crucial to get quotes from multiple insurance companies, as prices can vary significantly between providers. 
• Shop around: Companies like Mercury, Safeco, and Direct Auto have offered lower average rates for Ford Broncos. 
• Look for discounts: Ask about potential discounts, such as those for bundling policies with your homeowner's or renter's insurance. 

How much is car insurance for a 2022 Ford Bronco?

Ford Bronco Insurance Cost by Model Year

Model Year	Average Monthly Minimum Coverage Premium	Average Monthly Full Coverage Premium
2024	$118	$229
2023	$101	$197
2022	$92	$179
2021	$98	$191

Why is my car insurance $4000 a year?

Insurers consider many factors when setting prices, including population density (more people means more crashes); weather (hurricanes and hail are costly); local medical and car repair rates; and location, down to the Zip code.