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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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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 October 30, 2024

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Cheapest recent rates near Bozeman, Montana

Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $110/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 October 30, 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 October 30, 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 October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Bozeman’s average car insurance cost for full coverage is $175 per month. The city’s rates are lower than Montana’s average rate of $182, 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 $83 per month for liability coverage and $175 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 Farm9.3$99$42Low rates
USAA9.4$109$45Military community
Safeco8.3$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 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

Compare personalized, real-time quotes
User Reviews
3.2
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.
$55/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.
$121/mo

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

Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified

Good

The insurance is higher than other companies' policies.

Marsha - October 29, 2024
Verified

Friendly agents!

Check out their prices!

Linda - October 29, 2024
Verified

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

Best insurer for military members and veterans: USAA

Compare personalized, real-time quotes
User Reviews
3.6
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.
$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 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

Read more driver reviews of USAA
Kent - October 29, 2024
Verified

Excellent

The insurance is a bit high.

Dorothy - October 29, 2024
Verified

Significant Increase in Policy Payment

Be cautious not to have an accident, as my policy payment increased by $300 a month.

Martin - October 29, 2024
Verified

My Opinion

They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.

Best insurer for drivers with bad credit: Safeco

Compare personalized, real-time quotes
User Reviews
3.4
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.
$44/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.
$95/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 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

Read more driver reviews of Safeco
Barbara - October 28, 2024
Verified

Insurance Keeps Going Up

Please stop raising prices.

Carlotta - October 24, 2024
Verified

Excellent

They handled everything very smoothly.

Shirley - October 22, 2024
Verified

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

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.

Get Bozeman Car Insurance

Find average rates as low as $86 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Safeco$44
Bristol West$80
The General$92
Foremost$105
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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Safeco$95
Midvale Home & Auto$142
The General$189
Bristol West$203
Foremost$244
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 $44/mo for liability only and $110/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 October 30, 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 October 30, 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 October 30, 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 October 30, 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:

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.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. It also covers rollover accidents and pothole damage.

  • 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.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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.

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

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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
Safeco$44$60$60$74
Bristol West$80$107$111$135
The General$92$125$130$155
Foremost$105$152$156$177
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 $175 per month for full-coverage car insurance and $83 monthly for minimum coverage. These averages are lower than the Montana state averages of $182 and $86, 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
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

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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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