Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • 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.

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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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.

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

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.

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

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.

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

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.

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

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.

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

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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.

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

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.

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

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.

Annual Car Insurance Rates by ZIP Code in Bozeman, Montana

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.

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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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.

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

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.

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

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.

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Bozeman, MT Car Insurance Quotes

Compare Bozeman, MT car insurance quotes from multiple companies by entering your ZIP code now.