Nationwide
$74.25/mo
State Farm
$49.58/mo
Fred Loya
$53/mo
Dairyland
$77.58/mo
Chubb
$84.42/mo
Nationwide
State Farm
Fred Loya
Dairyland
Chubb
Are you planning to buy a car in Bozeman? Your biggest priority will be finding the most affordable auto insurance. It applies when you buy car insurance in Bozeman too. So, suppose you're a Bozeman resident. In that case, you need to search for affordable car insurance in Bozeman quotes from multiple insurers before buying one. Is car insurance in Bozeman, MT, expensive?
Bozeman is a midsize city belonging to the Rocky Mountains in southern Montana. Due to the extensive range of outdoor activities available, it is considered the 'most livable city.'
However, the high cost of land and housing combined with the area's high crime rate results in high auto insurance rates. Fortunately, the city insurance rates are lower than the state average.
Always compare quotes from multiple insurance companies to buy cheap car insurance in Bozeman. So, how much do you need to pay for car insurance in Bozeman? How can you get cheap auto insurance in the city? Continue reading our review to know more about car insurance in Bozeman, MT.
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Single-car drivers in Bozeman, Montana, pay an average of $1,887 for auto insurance yearly, or roughly $157 monthly. Compared to the $2,295 yearly average for the state, Bozeman's auto insurance is $408 lower. At the same time, the rate of car insurance in Bozeman is higher than the national average rate of $1,557.
| Bozeman (annual average) | Montana (annual average) | United States |
|---|---|---|
| $1,887 | $2,295 | $1,557 |
Our car insurance review of Bozeman, MT, includes average rates based on driving record, age, gender, credit score, and marital status. Keep reading to find out more!
Not only do insurance rates vary by zip code, but estimates from different companies for the same area might be very different. Each insurance company has its calculation to estimate the risk of insuring drivers in various cities. If you recently relocated, you might discover that the charges with
Many insurance providers offer car insurance in Bozeman. With an average annual rate of $864, Safeco offers the most affordable car insurance in Bozeman, MT. Your age, driving history, car, discount eligibility, and other factors may affect which insurance provider is ideal for you.
| Car insurance company | Average Annual Rate |
|---|---|
| Safeco | $864 |
| Kemper | $1,556 |
| Progressive | $1,637 |
| Travelers | $1,992 |
Like many cities, insurers consider young drivers as high-risk drivers in Bozeman. It is because they typically have greater accident rates and less driving experience, which sometimes contributes to this. Young drivers will therefore pay greater premiums than their more experienced counterparts.
With an average annual rate of $876, drivers in their 50s pay the lowest for car insurance in Bozeman, MT. So, how to lower the rate of car insurance in Bozeman? The only way is by getting out of your teens!
Your driving history will significantly influence your auto insurance premiums. Minor violations like speeding tickets won't significantly affect your rates. But, numerous minor violations or a single big offense, such as a DUI, might significantly affect the cost of car insurance in Bozeman each month. Drivers with violations like reckless driving or DUI/DWI need to pay an average annual rate of around $1,980.
Insurers will view people with a history of moving violations as high-risk drivers, and their auto insurance rates will increase accordingly.
| Offense | Average Annual Rate |
|---|---|
| Violating traffic rules | $1,382 |
| Speeding under 15 | $1,562 |
| Others | $1,980 |
The area in Bozeman where you live will greatly impact your auto insurance rates. Different zip codes, even those in the same municipal region, may have higher vehicle insurance rates due to variations in accident and property crime rates within a city. The cost of car insurance in Bozeman is sure to surge if you live in an area with high crime or auto theft rates. Here are some of the car insurance rates in Bozeman based on the ZIP Code.
In Bozeman, people residing in 59715 pay the highest for car insurance in Bozeman. At the same time, those living in 59718 need to pay lower auto insurance costs.
| ZIP Code | Average Annual Rate |
|---|---|
| 59715 | $1,392 |
| 59718 | $1,320 |
The best way to lower the cost of car insurance in Bozeman, MT, is by using the discounts the insurers offer. The following are the discounts that you can get in Bozeman.
Every state mandates that drivers carry a minimum level of liability insurance. Drivers in Montana must have liability insurance to cover losses and injuries caused to third parties in car accidents. All drivers in Montana must have liability insurance, irrespective of how often they drive or what vehicle they drive.
Driving on Montana roads also requires having a car registration and proof of insurance.
Bozeman is the fourth biggest city in the state of Montana. So, it is fair to expect decent traffic on the city roads. Here are some tips if you wish to skip driving and avoid the traffic.
According to the 2019 stats, the auto theft rate in Bozeman is lower than the state average. The auto theft rate in the city was around 45 per 100,000 residents. At the same time, the state rate was nearly 90 per 100,000 residents. However, recently, Montana saw a 99 percent increase in the auto theft rate since 2011.
Montana had around 2,600 auto thefts in 2021, with 113 in Gallatin County. The residents need to be alert as the rate of auto theft in the state is surging. So, it is better to buy an insurance policy with comprehensive coverage to get enough coverage in the case of auto theft.
Unfortunately, Bozeman drivers rank first for most car accidents in all Montana cities. Nearly 16 percent of drivers in the city have an accident history while driving. Compared to drivers with a clean driving record, the cost of car insurance in Bozeman, MT, surges by 19.59% for those with an accident history.
| Safeco | USAA |
| Allstate | Liberty Mutual |
| Travelers | Progressive |
| Nationwide | State Farm |
| Safeco | Farmers |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The annual average rate of car insurance in Bozeman comes to around $1,887.
No. The annual average rate of $1,887 is lower than the state average. However, the national average rate is $1,557.
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