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.
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Written byAmy Beardsley
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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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Edited byCourtney Mikulski
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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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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
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Table of contents
Bozeman’s average car insurance cost for full coverage is $132 per month. The city’s rates are lower than Montana’s average rate of $162, 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 $75 per month for liability coverage and $132 per month for full coverage.
Safeco is one of 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $99 | $42 | Low rates |
| USAA | 9.4 | $109 | $45 | Military community |
| Safeco | 8.3 | $99 | $47 | Drivers 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $119/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
In Bozeman, State Farm stands out as an 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 exclusive agents
Savings of up to 23% possible through bundling
Cons
Accident forgiveness only available for long-time customers
Gap insurance not available
Best insurer for military members and veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| 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 |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Bozeman’s more than 1,700 veterans can find the best rates and customer service with USAA. The company caters coverage specifically to active-duty military members, veterans, and their families. 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 telematics program
Cons
Restrictive membership eligibility requirements
On-base discount only applies to comprehensive coverage
Best insurer for drivers with bad credit: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| 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. | $51/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 |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Having a bad credit score in Bozeman may mean paying twice as much for car insurance than someone with excellent credit. But Safeco’s statewide network of local independent 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
Doesn't offer online quoting
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, credit history, 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 for your collision or comprehensive coverages 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.
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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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Safeco | $51 |
| Root | $58 |
| Bristol West | $73 |
| The General | $84 |
| Foremost | $104 |
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 or lease, full coverage 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Safeco | $99 |
| Root | $107 |
| The General | $167 |
| Bristol West | $186 |
| Foremost | $250 |
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 recent rates near Bozeman, Montana
Drivers using Insurify have found quotes as cheap as $59/mo for liability only and $89/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 November 21, 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 November 21, 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 November 21, 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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. It also covers rollover accidents and pothole damage.
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.
Accident forgiveness
Accident forgiveness is an optional coverage you may be able to add to your policy. The coverage can keep your rates from increasing after your first at-fault accident. You'll typically need at least three years claims-free to qualify for this coverage.
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What Is Gap Insurance for Cars, and 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 for several years.
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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Safeco | $51 | $67 | $70 | $80 |
| Root | $58 | $81 | $86 | $87 |
| Bristol West | $73 | $96 | $102 | $123 |
| The General | $84 | $112 | $119 | $141 |
| Foremost | $104 | $146 | $154 | $175 |
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 and high accident rates. Costs tend to drop around age 25, 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 liability-only car insurance, by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $132 |
| 20s | $113 |
| 30s | $82 |
| 40s | $69 |
| 50s | $65 |
| 60s | $65 |
| 70s | $67 |
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.
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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?
On average, Bozeman drivers pay $132 per month for full-coverage car insurance and $75 monthly for minimum coverage. These averages are lower than the Montana state averages of $162 and $79, respectively.
Which company has the cheapest car insurance in Bozeman?
Safeco, 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
- 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.
Related articles
More cities in Montana
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.."
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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 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
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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