Compare Bozeman, MT Car Insurance Rates [2024]
Car insurance in Bozeman, MT averages $254 a month. Bozeman, Montana car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Bozeman car insurance rates, compare quotes from the top car insurance companies in Bozeman, MT.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Dec 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Bozeman is 59715
- Average car insurance rates in Bozeman, MT after a DUI are $3,749/year
- Average car insurance rates in Bozeman, MT are $3,053/year
If you need to buy Bozeman, Montana car insurance, the options can be confusing. Everything you need to know about car insurance in Bozeman, MT is right here.
You’ll find Bozeman car insurance rates, the cheapest Bozeman, MT car insurance companies, and information on Montana car insurance laws. You can also compare Bozeman, Montana car insurance rates to Missoula car insurance rates, Havre car insurance rates, and Billings car insurance rates.
Ready to find affordable Bozeman, MT car insurance today? Enter your ZIP code for fast, free Bozeman car insurance quotes.
Cheapest Bozeman, MT Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Bozeman, MT car insurance rates? Every Bozeman, Montana car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,832 | $2,832 | $2,592 | $2,592 | $10,941 | $10,941 | $3,056 | $3,056 |
| Farmers | $2,581 | $2,581 | $2,309 | $2,309 | $7,168 | $7,168 | $2,835 | $2,835 |
| Geico | $2,399 | $2,242 | $2,342 | $2,136 | $5,830 | $5,426 | $2,056 | $1,873 |
| Liberty Mutual | $946 | $946 | $919 | $919 | $2,022 | $2,022 | $1,149 | $1,149 |
| Nationwide | $2,550 | $2,550 | $2,329 | $2,329 | $5,155 | $5,155 | $2,700 | $2,700 |
| Progressive | $2,854 | $2,854 | $2,590 | $2,590 | $7,066 | $7,066 | $3,222 | $3,222 |
| State Farm | $1,568 | $1,568 | $1,387 | $1,387 | $4,709 | $4,709 | $1,703 | $1,703 |
| USAA | $1,291 | $1,291 | $1,155 | $1,155 | $4,301 | $4,301 | $1,603 | $1,603 |
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Minimum Car Insurance in Bozeman, MT
Every driver must carry the minimum car insurance required by the state in Bozeman, MT. Take a look at the Montana car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
Cheapest Bozeman, MT Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Bozeman, MT. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Bozeman from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,865 | $4,699 | $4,002 |
| Farmers | $4,382 | $3,494 | $3,293 |
| Geico | $4,786 | $2,551 | $1,777 |
| Liberty Mutual | $1,259 | $1,259 | $1,259 |
| Nationwide | $4,017 | $2,911 | $2,623 |
| Progressive | $4,721 | $3,653 | $3,425 |
| State Farm | $3,366 | $2,050 | $1,609 |
| USAA | $2,801 | $1,910 | $1,551 |
Cheapest Bozeman, MT Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Bozeman, MT to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,071 | $4,819 | $5,871 | $4,661 |
| Farmers | $3,264 | $4,236 | $4,129 | $3,264 |
| Geico | $1,956 | $3,091 | $4,768 | $2,337 |
| Liberty Mutual | $848 | $1,502 | $1,502 | $1,183 |
| Nationwide | $2,332 | $3,328 | $4,269 | $2,805 |
| Progressive | $3,378 | $4,407 | $4,191 | $3,756 |
| State Farm | $2,170 | $2,514 | $2,342 | $2,342 |
| USAA | $1,566 | $1,957 | $2,917 | $1,910 |
Cheapest Bozeman, MT Car Insurance for Teen Drivers
Teen car insurance in Bozeman, MT can be expensive. Take a look at rates from the top car insurance companies in Bozeman for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,941 | $10,941 |
| Farmers | $7,168 | $7,168 |
| Geico | $5,830 | $5,426 |
| Liberty Mutual | $2,022 | $2,022 |
| Nationwide | $5,155 | $5,155 |
| Progressive | $7,066 | $7,066 |
| State Farm | $4,709 | $4,709 |
| USAA | $4,301 | $4,301 |
Cheapest Bozeman, MT Car Insurance for Seniors
Take a look at Bozeman, MT rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,592 | $2,592 |
| Farmers | $2,309 | $2,309 |
| Geico | $2,342 | $2,136 |
| Liberty Mutual | $919 | $919 |
| Nationwide | $2,329 | $2,329 |
| Progressive | $2,590 | $2,590 |
| State Farm | $1,387 | $1,387 |
| USAA | $1,155 | $1,155 |
Cheapest Bozeman, MT Car Insurance Rates After a DUI
A DUI in Bozeman, MT increases car insurance rates. Compare Bozeman, Montana car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,871 |
| Farmers | $4,129 |
| Geico | $4,768 |
| Liberty Mutual | $1,502 |
| Nationwide | $4,269 |
| Progressive | $4,191 |
| State Farm | $2,342 |
| USAA | $2,917 |
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Cheapest Bozeman, MT Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Bozeman, MT by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,740 | $4,971 |
| Farmers | $3,723 | $3,723 |
| Geico | $2,984 | $3,092 |
| Liberty Mutual | $1,259 | $1,259 |
| Nationwide | $3,184 | $3,184 |
| Progressive | $3,933 | $3,933 |
| State Farm | $2,273 | $2,410 |
| USAA | $2,063 | $2,112 |
Cheapest Bozeman, MT Car Insurance Rates by ZIP Code
Bozeman car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Bozeman, MT.
| ZIP Code | Average Annual Rates |
|---|---|
| 59715 | $3,125 |
| 59718 | $3,126 |
The Best Cheap Car Insurance Companies in Bozeman, MT
Take a look at a side-by-side comparison of the top car insurance companies in Bozeman, MT to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,855 |
| Farmers | $3,723 |
| Geico | $3,038 |
| Liberty Mutual | $1,259 |
| Nationwide | $3,184 |
| Progressive | $3,933 |
| State Farm | $2,342 |
| USAA | $2,088 |
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Category Winners: Cheapest Car Insurance in Bozeman, Montana
Find the cheapest car insurance companies in Bozeman, MT for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | Liberty Mutual |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Liberty Mutual |
Cheapest Bozeman, MT Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Bozeman car insurance rates. Find the cheapest Bozeman, MT car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,631 | $4,844 | $5,090 |
| Farmers | $3,451 | $3,719 | $4,000 |
| Geico | $2,898 | $3,013 | $3,203 |
| Liberty Mutual | $1,167 | $1,262 | $1,347 |
| Nationwide | $2,437 | $3,384 | $3,730 |
| Progressive | $3,708 | $3,922 | $4,168 |
| State Farm | $2,205 | $2,332 | $2,488 |
| USAA | $1,992 | $2,077 | $2,194 |
What affects car insurance rates in Bozeman, Montana?
What are the factors that affect car insurance rates in Bozeman, MT? There are several reasons why Bozeman car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bozeman, Montana.
Car Theft in Bozeman
High levels of vehicle theft can make car insurance more expensive. Bozeman, MT car theft statistics from the FBI indicate 57 vehicle thefts a year.
Commute Time in Bozeman
The more time you spend in your car the higher the risk of an accident. The average commute length in Bozeman, MT is 14.4 minutes according to City-Data.
Traffic in Bozeman
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Bozeman, MT traffic data from INRIX ranks Bozeman as the 684th-most congested in the world.
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Compare Car Insurance Quotes in Bozeman, MT
Ready to find affordable Bozeman, Montana car insurance today? Enter your ZIP code for fast, free Bozeman, MT car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Bozeman, MT?
To compare car insurance rates in Bozeman, MT, you can follow these steps:
- Gather your information: Make a note of your vehicle details, driving history, and coverage needs.
- Research insurance providers: Look for insurance companies that operate in Bozeman, MT, and provide auto insurance coverage.
- Obtain quotes: Visit the websites of insurance companies or use online comparison tools to request quotes based on your information.
- Compare coverage and rates: Review the coverage options, deductibles, and premiums offered by different insurance providers.
- Consider additional factors: Take into account factors such as customer reviews, financial stability of the company, and available discounts.
- Make an informed decision: Select the car insurance policy that best suits your needs and provides adequate coverage at an affordable rate.
What factors can affect car insurance rates in Bozeman, MT?
Several factors can influence car insurance rates in Bozeman, MT, including:
- Age and gender: Younger drivers and males tend to have higher rates due to statistical risk factors.
- Driving record: A history of accidents or traffic violations can result in higher premiums.
- Vehicle type: The make, model, and age of your vehicle can impact insurance costs.
- Coverage and deductibles: Higher coverage limits and lower deductibles often lead to higher premiums.
- Location: Bozeman, MT, may have its own unique risk factors, such as traffic density or frequency of car thefts, which can affect rates.
- Credit history: In some states, credit scores are considered when determining insurance rates.
- Annual mileage: The number of miles you drive per year can influence your rates.
- Insurance history: If you have a lapse in coverage or a history of claims, it can affect your rates.
Are there any specific auto insurance requirements in Bozeman, MT?
Yes, like most states, Montana, including Bozeman, MT, has specific auto insurance requirements. In Montana, drivers must carry liability insurance that meets the following minimum limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
Can I get discounts on car insurance in Bozeman, MT?
Yes, many insurance companies offer various discounts that can help you save on car insurance in Bozeman, MT. Some common discounts include:
- Safe driver discount: If you have a clean driving record without any accidents or violations.
- Multi-policy discount: Bundling your car insurance with other policies like homeowners or renters insurance.
- Good student discount: Available to students who maintain good grades.
- Anti-theft device discount: Installing anti-theft devices in your vehicle can earn you a discount.
- Low mileage discount: If you drive fewer miles than the average driver, you may qualify for this discount.
- Pay-in-full discount: Paying your annual premium in a single lump sum can sometimes result in a discount.
- Good credit discount: Some insurers offer lower rates to customers with good credit scores.
How often should I review my car insurance policy in Bozeman, MT?
It’s a good idea to review your car insurance policy in Bozeman, MT, at least once a year or whenever certain events occur, such as:
- Moving: Relocating to a new address can affect your insurance rates, so it’s essential to update your policy accordingly.
- Purchasing a new vehicle: When you buy a new car, you’ll need to update your insurance policy to reflect the change.
- Changes in your driving habits: If you start driving more or fewer miles, it can impact your rates.
- Changes in your coverage needs: If you have changes in your financial situation or other life circumstances, you may need to adjust your coverage accordingly.
- Renewal time: Take the opportunity to review your policy and compare rates from different insurers before renewing.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.