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Introduction

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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Key Takeaways

  • With an annual average rate of $864, Safeco is the most affordable insurer in Fargo.
  • In Montana, property damage liability must be at least $20,000, and bodily injury liability must be at least $25,000 per person/$50,000 per accident.
  • Bozeman drivers rank first for most car accidents in all Montana cities.

How Much Does Car Insurance Cost in Bozeman?

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!

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Bozeman Auto Insurance Premiums by Company

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

Bozeman Auto Insurance Premiums by Age Group

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!

Age Average Annual Rate
16-19 $2,688
20s $1,584
30s $1,044
40s $1,116
50s $876
60s $984
70s $1,200

Bozeman Auto Insurance Premiums by Driving Record

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

Bozeman Auto Insurance Premiums by ZIP Code

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

How to get cheap auto insurance in Bozeman

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.

  • Safe driving: Drivers with a spotless driving record will pay less and maybe qualify for discounts.
  • Paperless: When you agree to receive documentation completely online, some insurance companies provide additional benefits or discounts.
  • Bundling: Discounts on each policy are possible when purchasing many different insurance policies from the same supplier.
  • Accident-free: You will qualify for a discount on your insurance if you've driven for three to five years without an accident.

Auto insurance in Bozeman: Minimum insurance requirement in Montana

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.

  • Bodily injury liability per person - $25,000
  • Bodily injury liability per accident - $50,000
  • Property damage liability per accident - $20,000

Driving on Montana roads also requires having a car registration and proof of insurance.

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Useful Info for Driving in Bozeman

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.

  • Since 2006, Bozeman has run Streamline, a free public transportation system. The four routes by the service serve the University, Bozeman-Deaconess Hospital, Gallatin Valley Mall, 7th Avenue and 19th Avenue commercial districts, and downtown.

Auto Theft Statistics in Bozeman

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.

Accident Statistics in Bozeman

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.

Car Insurance Companies In Bozeman

Insurers
Safeco USAA
Allstate Liberty Mutual
Travelers Progressive
Nationwide State Farm
Safeco Farmers

Driving Conditions in Bozeman

  • Driving conditions are fair.
  • Fargo traffic is easy to navigate.
  • On average, there are 112 rainy days per year in Fargo. Rain averages 17 inches.
  • Snowfall averages 63 inches.

Auto Insurance Data Methodology

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

FAQ

How much is car insurance a month in Bozeman, Montana?

The annual average rate of car insurance in Bozeman comes to around $1,887.

Is car insurance expensive in Bozeman, Montana?

No. The annual average rate of $1,887 is lower than the state average. However, the national average rate is $1,557.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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