Cheapest Auto Insurance in Bozeman, Montana (2024)

Midvale Home & Auto offers the cheapest car insurance in Bozeman, with rates as low as $36 per month.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated April 22, 2024

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Cheapest recent rates near Bozeman, Montana

Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $100/mo for full coverage in Bozeman and other Montana cities.

*Quotes generated for Insurify users in and around Bozeman, Montana within the last 10 days. Last updated on April 22, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 22, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Bozeman, Montana within the last 10 days. Last updated on April 22, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 22, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Bozeman’s overall average car insurance cost is $173 per month. The city’s rates are similar to Montana’s average rate of $145, possibly due to its fewer reported crashes compared to other major Montana cities.[1]

Here’s how to compare quotes, find cheap insurance, and get the right coverage for you in Bozeman.

Quick Facts
  • The average cost of car insurance in Bozeman is $82 per month for liability coverage and $181 per month for full coverage.

  • State Farm and Safeco are the cheapest insurers for full-coverage car insurance in Bozeman.

  • Montana requires every driver to have a 25/50/20 liability policy.[2]

3 of the cheapest car insurance companies in Bozeman

It’s important to compare multiple car insurance companies before buying a policy because the best auto insurer in Bozeman for someone else may not be best for you. Consider these top three car insurance companies while exploring affordable car insurance options in Bozeman.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.5$99$42Low rates
USAA4.5$109$45Military members and veterans
Safeco3.8$99$47Drivers with bad credit
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for low rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo

The average Montana wage rose just 6% in 2022, making cost-effective auto insurance coverage increasingly important for Montana residents. In Bozeman, State Farm stands out as the most affordable option. It has one of the lowest average rates among insurers, a variety of available discounts, and local agents who can help you find the right coverage combination.

Pros
  • Personalized service with local agents

  • Savings of up to 23% possible through bundling

Cons
  • Accident forgiveness not available

  • Gap insurance not available

Read our State Farm review
Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.

Perry - April 22, 2024
Verified

Pricing

Be careful of the price quoted. It can change.

Sandra - April 21, 2024
Verified

Fair

They are the cheapest car insurance around.

Best insurer for military members and veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$100/mo

Bozeman’s more than 1,700 veterans can find the best rates and customer service with USAA. The company caters coverage specifically to military members. It offers discounts for keeping your car on base and even shaves 10% off your bill if your parents are USAA members. USAA’s perks go beyond car insurance to include other products you can bundle for more savings.

Pros
  • Rideshare insurance available

  • Savings of up to 30% possible through SafePilot program

Cons
  • Restrictive membership eligibility requirements

  • On-base discount only applies to comprehensive coverage

Read our USAA review
Bill - April 22, 2024
Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.

Marvin - April 21, 2024
Verified

Excellent

So far, so good.

Robert - April 19, 2024
Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.

Best insurer for drivers with bad credit: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$96/mo

Having a bad credit score in Bozeman may mean paying twice as much for car insurance than someone with excellent credit. But Safeco’s local agents can help you find opportunities to keep rates affordable. The company offers discounts for bundling your coverage and claims you could save $513 per year by signing up for its RightTrack safe driving program.

Pros
  • 24/7 claims filing by phone, online, or mobile app

  • Offers accident forgiveness and diminishing deductible

Cons
  • Below-average J.D. Power customer satisfaction rating in the Northwest region

  • Can’t get a quote online

Read our Safeco review
Gary - April 13, 2024
Verified

Excellent

A very good auto insurance company.

Tammy - April 8, 2024
Verified

Bad

The underwriter is incompetent. Your staff didn't renew my policy and sent a rude letter stating that I have debris or algae on my roof.

Carol - April 6, 2024
Verified

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

How to get the cheapest car insurance in Bozeman

Car insurance rates depend on your location, vehicle type, driving habits, coverage needs, driving record, age, marital status, gender, and more.

Although some factors are beyond your control, you can lower your car insurance costs with a few tips:

  • Compare quotes. It’s a good idea to shop around and compare insurance quotes from at least three auto insurers in Bozeman.

  • Increase deductibles. Choosing a higher deductible can lower your premium, but make sure you can afford the higher out-of-pocket cost if you file a claim.

  • Ask for discounts. Insurers often offer discounts for things like safe driving, insuring multiple vehicles, anti-theft devices, getting good grades, and more.

  • Drive a low-cost vehicle. Choose a car with good safety ratings and lower repair costs since they’re usually cheaper to insure.

  • Maintain a good driving record. Montana drivers without accidents or traffic violations on their driving record often pay cheaper rates.

Get Bozeman Car Insurance

Find average rates as low as $94 per month

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Cheapest liability-only car insurance in Bozeman

Liability-only car insurance is the minimum coverage Montana law requires. It pays for damages and injuries you cause to others in an accident, but it doesn’t cover your vehicle damages or personal injuries. Liability-only insurance isn’t ideal for people with high-value cars, but it may be enough for some drivers who own older cars.

Here’s the average cost of liability insurance from other Bozeman insurance companies.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Safeco45
Bristol West84
The General92
Foremost97
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Bozeman

Full-coverage car insurance combines liability insurance with comprehensive and collision coverage, protecting against theft, natural disasters, and accident damages. Lenders often require you to carry full coverage if you finance a vehicle. Even without a loan, it can give you peace of mind if you own a newer or more valuable car.

The table below shows full-coverage premiums from different insurers in the area.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Safeco96
Midvale Home & Auto124
The General188
Bristol West212
Foremost240
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Montana

Montana requires every driver to carry a minimum car insurance policy that includes liability coverage for bodily injury and property damage. Your insurance company will also provide uninsured motorist coverage, but you can opt out by signing a form.[2]

If you’re in an auto accident, your ability to sue depends on your contribution to the crash. Montana uses a modified comparative negligence law, which means you can only collect compensation for your injuries if you’re less than 50% at fault for causing the accident.

Here are Montana’s minimum insurance requirements:[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident

You may want coverage beyond what a basic auto policy can offer. Depending on your specific needs, consider these optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for the cost of repairing your vehicle after you hit a stationary object or another car, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for non-collision damage to your vehicle, such as theft, vandalism, falling objects, severe weather, and more.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage helps pay for towing, jump-starts, tire changes, and other roadside help if your vehicle breaks down.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car coverage

    Rental car coverage pays for renting a vehicle while your car is being repaired after a covered insurance claim, up to the policy limits.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance covers the difference between the amount you owe on an auto loan and your insurance settlement after a total loss.

What Is Gap Insurance for Cars? Do You Need It?

What Is Gap Insurance for Cars? Do You Need It?

Cheapest car insurance for drivers with an incident

If you’ve had a car accident or another incident, you’ll notice its effect on your driving record. Incidents signal to insurers that you’re a risky driver — the more you have, the more you’ll pay for car insurance. At-fault accidents, speeding tickets, and driving under the influence (DUI) convictions all appear on your driving record and can increase your rates.

Here are the cheapest insurers in Bozeman for drivers with speeding tickets, accidents, and DUIs on their records.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Safeco45646773
Bristol West84112114136
The General92125130149
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Teen drivers pay expensive rates for car insurance due to their lack of experience. Costs tend to drop around age 35, as long as drivers maintain clean records. But prices start to creep back up around age 70 — that’s when the rate of fatal accidents per mile traveled increases, according to the Insurance Institute for Highway Safety (IIHS).[3]

Here’s how much Bozeman drivers pay on average for car insurance, by age.

AgeAverage Monthly Quote
Teens$323
20s$400
30s$373
40s$317
50s$237
60s$166
70s$124
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Bozeman, MT

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Bozeman car insurance quotes by credit tier

Your credit history matters for more than a loan application — insurers in Montana can use it when determining car insurance quotes. But even if you have a poor credit score, they can’t refuse coverage or cancel your auto insurance policy based on that alone.[4]

But insurers link credit history with the likelihood of filing a claim, so Bozeman drivers tend to pay less for car insurance coverage if they have an excellent or good credit score.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Bozeman car insurance FAQs

Learn about what factors affect car insurance rates, and check out the answers to common questions about Bozeman auto coverage below.

  • How much is car insurance in Bozeman?

    The average cost of car insurance in Bozeman is $82 per month for liability coverage and $181 per month for full coverage.

  • Which company has the cheapest car insurance in Bozeman?

    Midvale Home & Auto, State Farm, and USAA are the cheapest car insurance companies in Bozeman, according to Insurify data. The best way to find the lowest rates for your situation is to compare quotes from multiple car insurance companies. Use an online quote-comparison tool to get many quotes at once to help you in your search for affordable coverage in Bozeman.

  • What are the best car insurance companies in Bozeman?

    Some of the best car insurance companies in Bozeman that Insurify identified include Safeco, State Farm, and USAA. These insurers have low average rates, high Insurify Quality (IQ) Scores, great coverage options, and solid financial strength ratings.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Montana Department of Transportation. "Crash Data."
  2. Auto Insurance. "Montana Commissioner of Securities and Insurance."
  3. Insurance Institute of Highway Safety. "Older Drivers."
  4. Montana Legislature. "33-18-605. Use of credit information.."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

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