Affordable Car Insurance Rates in Bozeman, MT (2024)
Car insurance rates in Bozeman, MT are $254/month on average. By law, Montana drivers need to carry at least 25/50/20 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Bozeman car insurance companies to get the coverage you need at the best rates available.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The annual number of car thefts in Bozeman is 57.
- The cheapest car insurance company in Bozeman for teen drivers is Liberty Mutual
- The cheapest car insurance company in Bozeman after a DUI is Liberty Mutual
Average car insurance rates in Bozeman, Montana are $254 a month. But with a little research you can get a great deal from the top car insurance companies in Bozeman, MT. Before you buy Bozeman, Montana car insurance, make sure your coverage meets or exceeds the Montana minimum of 25/50/20.
It may even be helpful to compare Bozeman car insurance rates with Miles City car insurance rates, Livingston car insurance rates, or Belgrade car insurance rates to make sure you’re getting the best Bozeman, MT car insurance quotes available.
Need affordable Bozeman, MT car insurance? Enter your ZIP code to compare Bozeman car insurance quotes from multiple car insurance companies near you.
Bozeman, MT Minimum Car Insurance Coverage
Bozeman, Montana law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.
| 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 |
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Bozeman, MT Car Insurance Rates by Coverage Level
Some Bozeman drivers can get by with the Montana minimum coverage of 25/50/20. Other drivers may need more. See how much your Bozeman, Montana car insurance rates may be based on the coverage you need.
| 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 |
Bozeman, MT Car Insurance Rates by Age, Gender, and Marital Status
Bozeman, Montana car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Bozeman, MT car insurance, get quotes from multiple car insurance companies in the Bozeman area and see how these criteria affect your 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 |
Bozeman, MT Car Insurance Rates for Teens
How much is Bozeman, Montana car insurance for teens? Compare rates from top Bozeman car insurance companies below to help find the cheapest teen car insurance in Bozeman, MT.
| 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 |
Bozeman, MT Car Insurance Rates for Seniors
Before seniors buy Bozeman, Montana car insurance, they should make sure to shop around. Some Bozeman, MT car insurance companies may offer discounts or other savings options for senior car insurance.
| 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 |
Bozeman, MT Car Insurance Rates by Credit History
How does your credit history affect Bozeman, MT car insurance rates? Review the numbers here to find out.
| 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 |
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Bozeman, MT Car Insurance Rates by Driver History
How does a single speeding ticket affect your Bozeman, Montana car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Bozeman.
| 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 |
Bozeman, MT Car Insurance Rates With a DUI
Even a single DUI can increase your Bozeman, MT car insurance rates. Compare rates below to see which Bozeman car insurance company has the best rates for drivers with a DUI.
| 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 |
Bozeman, MT Car Insurance Rates by ZIP Code
Just like Bozeman car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Bozeman, MT car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 59715 | $3,125 |
| 59718 | $3,126 |
Bozeman, MT Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Bozeman, MT car insurance rates may be. Let’s take a look at average car insurance rates from top Bozeman companies based on commute time.
| 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 |
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Bozeman, MT Cheapest Car Insurance Rates
How do the top Bozeman, Montana car insurance companies’ average rates stack up against the Bozeman average monthly car insurance rates of $254? Take a look and see.
| 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 |
Bozeman, MT Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Bozeman, Montana car insurance companies to help you find one that best fits 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 |
Other Factors Affecting Bozeman, MT Car Insurance Rates
Before you buy Bozeman, Montana car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Bozeman, MT Car Theft Rates
The car theft rate in Bozeman, MT will affect your car insurance rates. FBI data shows that the annual car theft rate for Bozeman, Montana is 57 stolen cars.
Bozeman, MT Commute Time
How does your Bozeman, MT commute time compare with the average driver? In Bozeman, the average commute is 14.4 minutes.
Bozeman, MT Traffic
Spending time in Bozeman traffic can lead to higher car insurance rates. According to INRIX data, Bozeman, MT ranks as the 684th-most congested with traffic in the world.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Bozeman, MT Car Insurance Quotes
Compare Bozeman, MT car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.