Cheapest Auto Insurance in Bozeman, Montana (2025)

Bozeman’s average car insurance cost for full coverage is $135 per month. The city’s rates are lower than Montana’s average rate of $146, possibly due to its fewer reported crashes compared to other major Montana cities.1

Here’s how to compare quotes, find cheap insurance, and get the right coverage for you in Bozeman.

3 of the cheapest car insurance companies in Bozeman

It’s important to compare multiple car insurance companies before buying a policy because the best auto insurer in Bozeman for someone else may not be best for you. Consider these top three car insurance companies while exploring affordable car insurance options in Bozeman.

Best insurer for low rates: State Farm

Best insurer for military members and veterans: USAA

Best insurer for drivers with bad credit: Safeco

How to get the cheapest car insurance in Bozeman

Car insurance rates depend on your location, vehicle type, driving habits, coverage needs, driving record, age, marital status, gender, credit history, and more.

Although some factors are beyond your control, you can lower your car insurance costs with a few tips:

• Compare quotes. It’s a good idea to shop around and compare insurance quotes from at least three auto insurers in Bozeman.

• Increase deductibles. Choosing a higher deductible for your collision or comprehensive coverages can lower your premium, but make sure you can afford the higher out-of-pocket cost if you file a claim.

• Ask for discounts. Insurers often offer discounts for things like safe driving, insuring multiple vehicles, anti-theft devices, getting good grades, and more.

• Drive a low-cost vehicle. Choose a car with good safety ratings and lower repair costs since they’re usually cheaper to insure.

• Maintain a good driving record. Montana drivers without accidents or traffic violations on their driving record often pay cheaper rates.

Cheapest liability-only car insurance in Bozeman

Liability-only car insurance is the minimum coverage Montana law requires. It pays for damages and injuries you cause to others in an accident, but it doesn’t cover your vehicle damages or personal injuries. Liability-only insurance isn’t ideal for people with high-value cars, but it may be enough for some drivers who own older cars.

Here’s the average cost of liability insurance from other Bozeman insurance companies.

Cheapest full-coverage car insurance in Bozeman

Full-coverage car insurance combines liability insurance with comprehensive and collision coverage, protecting against theft, natural disasters, and accident damages. Lenders often require you to carry full coverage if you finance a vehicle. Even without a loan or lease, full coverage can give you peace of mind if you own a newer or more valuable car.

The table below shows full-coverage premiums from different insurers in the area.

Car insurance requirements in Montana

Montana requires every driver to carry a minimum car insurance policy that includes liability coverage for bodily injury and property damage. Your insurance company will also provide uninsured motorist coverage, but you can opt out by signing a form.2

If you’re in an auto accident, your ability to sue depends on your contribution to the crash. Montana uses a modified comparative negligence law, which means you can only collect compensation for your injuries if you’re less than 50% at fault for causing the accident.

Here are Montana’s minimum insurance requirements:2

You may want coverage beyond what a basic auto policy can offer. Depending on your specific needs, consider these optional coverages:

Cheapest car insurance for drivers with an incident

If you’ve had a car accident or another incident, you’ll notice its effect on your driving record. Incidents signal to insurers that you’re a risky driver — the more you have, the more you’ll pay for car insurance. At-fault accidents, speeding tickets, and driving under the influence (DUI) convictions all appear on your driving record and can increase your rates for several years.

Here are the cheapest insurers in Bozeman for drivers with speeding tickets, accidents, and DUIs on their records.

Average cost of car insurance by age

Teen drivers pay expensive rates for car insurance due to their lack of experience and high accident rates. Costs tend to drop around age 25, as long as drivers maintain clean records. But prices start to creep back up around age 70 — that’s when the rate of fatal accidents per mile traveled increases, according to the Insurance Institute for Highway Safety (IIHS).3

Here’s how much Bozeman drivers pay on average for liability-only car insurance, by age.

Bozeman car insurance quotes by credit tier

Your credit history matters for more than a loan application — insurers in Montana can use it when determining car insurance quotes. But even if you have a poor credit score, they can’t refuse coverage or cancel your auto insurance policy based on that alone.4

But insurers link credit history with the likelihood of filing a claim, so Bozeman drivers tend to pay less for car insurance coverage if they have an excellent or good credit score.

Bozeman car insurance FAQs