Cheap Quotes for Bozeman, MT Car Insurance (2021)

Bozeman, Montana car insurance rates average $254 a month and Montana law requires coverage of at least 25/50/20. By comparing rates from multiple Bozeman, MT companies, you can find cheap Bozeman car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Bozeman, MT are $254/month
  • Average car insurance rates in Bozeman, MT after a DUI are $3,749/year
  • Average car insurance rates in Bozeman, MT for senior drivers are $1,940/year

How do the Bozeman, Montana monthly average car insurance rates of $254/month compare to nearby cities like Belgrade car insurance rates, Billings car insurance rates, and Havre car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Bozeman, MT.

We’ll cover the Montana minimum coverage requirements, Montana car insurance laws, and Bozeman, MT statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Bozeman, Montana companies to find the most affordable Bozeman car insurance rates.

Enter your ZIP code above to find cheap Bozeman, MT car insurance quotes today.

What are the minimum Bozeman, MT car insurance requirements?

To meet Montana minimum car insurance coverage requirements, Bozeman, MT drivers need to carry at least 25/50/20 coverage.

Minimum Required Car Insurance Coverage in Bozeman, Montana

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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Average Bozeman, MT Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Bozeman, MT you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Bozeman, Montana

ZIP Code Average Annual Rates
59715 $3,125
59718 $3,126

How do age, gender, and marital status affect Bozeman, MT car insurance rates?

Three of the criteria that most affect car insurance rates in Bozeman, Montana are age, gender, and marital status. Let’s take a look at how each of these stack up with top Bozeman car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bozeman, Montana

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

How much do teen drivers pay for car insurance in Bozeman, MT?

Bozeman, Montana car insurance rates for teens are often higher than rates for other drivers. Compare Bozeman car insurance rates from multiple Bozeman, Montana car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Bozeman, Montana

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

How much do senior drivers pay for car insurance in Bozeman, MT?

With a little research, seniors can find affordable car insurance in Bozeman, Montana. Here’s a look at how the top Bozeman car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Bozeman, Montana

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

How does coverage level affect Bozeman, MT car insurance rates?

How much coverage do you need? Are you comfortable with the Montana minimum of 25/50/20 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Bozeman, MT car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Bozeman, Montana

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

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How does your driving record affect Bozeman, MT car insurance rates?

Safe driving pays off. The more traffic violations you have in Bozeman, MT, the higher your car insurance rates will be. Compare rates based on driving infractions from top Bozeman, Montana companies.

Annual Bozeman, Montana Car Insurance Rates by Driving Record

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

How does a DUI affect Bozeman, MT car insurance rates?

With even one DUI on your record, you can see an increase in your Bozeman, MT car insurance rates.

Annual Car Insurance Rates After a DUI in Bozeman, Montana

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

How does your credit history affect Bozeman, MT car insurance rates?

Take a look at the data here to see how your Bozeman, Montana car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Bozeman, Montana

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

How does your commute affect Bozeman, MT car insurance rates?

Bozeman, MT car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Montana can be seen here. Remember, though, that you may have to carry substantially more car insurance in Bozeman if you’re financing.

Annual Car Insurance Rates by Commute Length in Bozeman, Montana

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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Who has the cheapest Bozeman, MT car insurance rates?

Here’s a breakdown of Bozeman, Montana car insurance rates by company. You can see which company offers the cheapest Bozeman car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Bozeman, Montana

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

What are the top Bozeman, MT car insurance companies?

Which Bozeman, Montana car insurance company will best fit your needs and budget? Check out this comparison of the top Bozeman companies to find the one for you.

Average Annual Car Insurance Rates by Company in Bozeman, Montana

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

What factors affect Bozeman, MT car insurance rates?

Why are Bozeman, Montana car insurance rates different than rates in Belgrade or Billings? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Bozeman, MT?

FBI statistics show that the Bozeman, Montana car theft rate is 57 thefts each year. High theft rates can lead to higher than average Bozeman, MT car insurance rates.

How long is the average commute in Bozeman, MT?

More time spent behind the wheel can lead to higher Bozeman, Montana car insurance rates. In Bozeman, MT, the average commute length is 14.4 minutes.

What is the traffic like in Bozeman, MT

Like commute length, time spent in traffic also increase risk of accidents. Bozeman, MT is listed as 684th in INRIX congested cities data.

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Car Insurance Quotes for Bozeman, MT

Shop for affordable Bozeman, Montana car insurance rates today. Enter your ZIP code to compare quotes from multiple Bozeman, MT car insurance companies.

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