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Cheap Auto Insurance Quotes in Bozeman, MT (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Bozeman is $146 per month, or $1752 annually.
- Car insurance in Bozeman is $19 less than the average cost of car insurance in Montana.
- The cheapest car insurance provider in Bozeman on average is Progressive, but you should always compare quotes to find your best personal rate.
Car Insurance in Bozeman, MT
The average cost of Montana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bozeman, MT to find you the cheapest quotes in the area.
Quotes by Top Companies
State Farm$36
Progressive$55
Travelers$75
American Family$134
The General$188
Cheapest Car Insurance in Bozeman, MT
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Bozeman | Quotes |
|---|---|
| State Farm | $36 /mo |
| Progressive | $55 /mo |
| Travelers | $75 /mo |
| American Family | $134 /mo |
| The General | $188 /mo |
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Average Car Insurance Cost
| Montana Cities | |
|---|---|
| Billings | $81/mo |
| Missoula | $85/mo |
| Great Falls | $89/mo |
| Butte | $92/mo |
| Bozeman | $98/mo |
| Montana | $89/mo |
Billings$81
Missoula$85
Average for MT$89
Great Falls$89
Butte$92
Bozeman$98
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Minimum Car Insurance Requirements in MT
Understanding Montana car insurance requirements is the first step to getting low-cost car insurance. Every state has at least slightly different rules and regulations when it comes to car insurance, so it’s important to know the difference between required, recommended, and optional coverage limits.
According to the Montana Department of Justice, Montana auto insurance requirements include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability in total per accident
- $20,000 property damage liability
In addition to these minimum coverage levels, drivers must be offered underinsured/uninsured motorist protection in the minimums of $25,000/$50,000 bodily injury coverage. While not required to carry underinsured or uninsured motorist coverage, Montana drivers must reject these riders in writing if they want to remove it from their policy.
Find local Bozeman agents
First West, Inc.
1905 Stadium Dr,
Bozeman, MT 59715-1799Insurance Unlimited of Bozeman; Scrawny Bird Insurance LLC dba
703 W Mendenhall,
Ste A, Bozeman, MT 59715PayneWest Insurance Bozeman
1105 E Main St,
Bozeman, MT 59715Leavitt Great West Insurance Services, LLC Bozeman
2015 Charlotte St Ste 2,
Bozeman, MT 59718-2718McHenry Insurance, Inc
670 Ferguson Ste 1,
Bozeman, MT 59718Hub International Mountain States Ltd. Bozeman
2002 N 22Nd Ave Ste 1,
Bozeman, MT 59718-3153AAA Mountain West, Inc. Bozeman
1530 N 19Th Ave Ste B,
Bozeman, MT 59718-3705Affordable Insurance of Bozeman
1039 Stoneridge Dr #1,
Bozeman, MT 59718,Marie Gary: Allstate Insurance
1920 W Babcock St,
Bozeman, MT 59718,State Farm Insurance
16 N 9th Ave #5,
Bozeman, MT 59715,
FAQs - Bozeman, MT Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Bozeman Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Bozeman, Montana below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Bozeman drivers measure up to their fellow motorists across Montana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Toyota Tacoma
Most Popular Car in Bozeman
#1
City with the Most Speeding Tickets Rank in Montana
#1
City with the Most Moving Violations Rank in Montana
#3
City with the Most DUIs Rank in Montana
#6
City with the Most Suspended Licenses in Montana
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bozeman drivers rank 1 in the number of car accidents per driver across all cities in Montana.
- Rank within state: #1
- Percent of drivers in Bozeman with an accident: 16.67%
- Drivers in Bozeman, MT with an accident in their driving history pay on average 19.59% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Montana, Bozeman drivers rank 1 in the number of speeding infractions per driver.
- Rank within state: #1
- Percent of drivers in Bozeman with a speeding ticket: 15.74%
- Drivers in Bozeman, MT with a speeding ticket in their driving history pay on average 6.08% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bozeman drivers rank 3 in the number of DUI’s per driver across all cities in Montana.
- Rank within state: #3
- Percent of drivers in Bozeman with a DUI: 4.63%
- Drivers in Bozeman, MT with a DUI in their driving history pay on average -98.65% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bozeman is the Toyota Tacoma.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Bozeman drivers rank 1 in hybrid and electric vehicle ownership across all cities in Montana.
- Rank within state: #1
- Percent of drivers in Bozeman with a hybrid/electric vehicle: 0.89%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others