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.

Cheapest Car Insurance Quotes in Bozeman, MT for 2024

Tabla de contenidos

Cheapest companies
Get cheap quotes
Liability only
Full coverage
MT requirements
Rates by history
Rates by age
Rates by credit tier
FAQs

Bozeman’s overall average car insurance cost is $173 per month. The city’s rates are similar to Montana’s average rate of $142, 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.

Datos Breves

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 Company	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.	Full Coverage	Liability Only	Best For
State Farm	4.6	$99	$42	Low rates
USAA	4.7	$109	$45	Military members and veterans
Safeco	4.2	$99	$47	Drivers with bad credit

Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Puntaje compuesto de Insurify (ICS)
El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.
Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

Best insurer for low rates: State Farm

low ratesState 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.	4.6
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.	$53/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.	$115/mo

Overview

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 and cons

Ventajas

Personalized service with local agents
Savings of up to 23% possible through bundling

Contras

Accident forgiveness not available
Gap insurance not available

Reviews

Read our State Farm review

Colleen - May 2, 2024

Verified

Look Further

The rates are consistently high and unaffordable.

Walters - April 25, 2024

Verified

Good

I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.

Wanda Carole - April 22, 2024

Verified

Excellent

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

…

Best insurer for military members and veterans: USAA

military members and veteransUSAA

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.	4.7
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.	$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.	$99/mo

Overview

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 and cons

Ventajas

Rideshare insurance available
Savings of up to 30% possible through SafePilot program

Contras

Restrictive membership eligibility requirements
On-base discount only applies to comprehensive coverage

Reviews

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

drivers with bad creditSafeco

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.	3.8
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

Overview

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 and cons

Ventajas

24/7 claims filing by phone, online, or mobile app
Offers accident forgiveness and diminishing deductible

Contras

Below-average J.D. Power customer satisfaction rating in the Northwest region
Can’t get a quote online

Reviews

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.

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: viernes, 3 de mayo, 0:00 p. m. GMT-7.

Insurance Company	Average Monthly Quote
Safeco	45
Bristol West	84
The General	92
Foremost	97

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: viernes, 3 de mayo, 0:00 p. m. GMT-7.

Insurance Company	Average Monthly Quote
Safeco	96
Midvale Home & Auto	124
The General	188
Bristol West	212
Foremost	240

Estimate your Bozeman car insurance costs

Estado

Edad

Puntaje de crédito

¿Estás asegurado?

Tu oferta estimada

*Estimación basada en un promedio de tarifas proporcionadas a otros usuarios como tú.

Selecciona los descuentos que se aplican a ti

Soy un buen conductor

Ahorra 25%

Soy propietario de una casa

Ahorra 4%

Estoy casado(a)

Ahorra 20%

Tengo varios autos

Ahorra 38%

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]

Coverage	Minimum 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:

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.
Comprehensive coverage
Comprehensive coverage pays for non-collision damage to your vehicle, such as theft, vandalism, falling objects, severe weather, and more.
Roadside assistance coverage
Roadside assistance coverage helps pay for towing, jump-starts, tire changes, and other roadside help if your vehicle breaks down.
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.
Gap coverage
Gap insurance covers the difference between the amount you owe on an auto loan and your insurance settlement after a total loss.

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: viernes, 3 de mayo, 0:00 p. m. GMT-7.

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
Safeco	45	60	61	77
Bristol West	84	109	115	144
The General	92	122	131	158
Foremost	97	140	147	167

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.

Age	Average Monthly Quote
Teens	$323
20s	$400
30s	$373
40s	$317
50s	$237
60s	$166
70s	$124

Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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

Category	Price
Excellent	139
Good	165
Fair	181
Poor	273

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.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

Montana Department of Transportation. "Crash Data."
Auto Insurance. "Montana Commissioner of Securities and Insurance."
Insurance Institute of Highway Safety. "Older Drivers."
Montana Legislature. "33-18-605. Use of credit information.."

Amy BeardsleyEscritora de seguros

Amy es una escritora de marketing de contenido quien especializa en finanzas personales y tecnología. Con una formación en el sector legal, tiene un talento de transformar temas complejos en contenido fácil de entender. Cuando no está escribiendo, a ella le gusta leer y jugar a los juegos de mesa con su familia. Puede aprender más sobre Amy al visitar amybeardsley.com.

Más información

Editado porCourtney MikulskiSenior Editor, Auto

Courtney MikulskiSenior Editor, Auto

Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

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Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717

Las tarifas más baratas encontradas recientemente en Montana

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $49/mes para solo responsabilidad y $103/mes para cobertura total en Montana.

Tabla de contenidos

Tabla de contenidosComparar cotizaciones

3 of the cheapest car insurance companies in Bozeman

Best insurer for low rates: State Farm

low ratesState Farm

Best insurer for military members and veterans: USAA

military members and veteransUSAA

Best insurer for drivers with bad credit: Safeco

drivers with bad creditSafeco

How to get the cheapest car insurance in Bozeman

Get Bozeman Car Insurance

Cheapest liability-only car insurance in Bozeman

Cheapest full-coverage car insurance in Bozeman

Estimate your Bozeman car insurance costs

Selecciona los descuentos que se aplican a ti

Edad

Puntaje de crédito

¿Estás asegurado?

Tu oferta estimada

Selecciona los descuentos que se aplican a ti

Car insurance requirements in Montana

Collision coverage

Comprehensive coverage

Roadside assistance coverage

Rental car coverage

Gap coverage

Cheapest car insurance for drivers with an incident

Average cost of car insurance by age

Shop for Car Insurance in Bozeman, MT

Bozeman car insurance quotes by credit tier

Rates by Credit Tier

Bozeman car insurance FAQs

Metodología

Sources

Compara cotizaciones de seguros de auto instantáneamente

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