Bozeman, MT Auto Insurance | Cheap Car Insurance in Bozeman, MT

Residents in need of cheap car insurance in Bozeman, MT have several options for providers. The best Bozeman, MT car insurance companies consist of National Farmers Union, State Farm, Cal Casualty, Allstate, and Allied. National Farmers Union has Bozeman, MT auto insurance at $17 monthly.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Montana auto insurance lists the needed minimum liability coverage as 25/50/10. People in search of cheap car insurance in Bozeman, MT will be able to find affordable premiums. National Farmers Union, State Farm, Cal Casualty, Allstate, and Allied are affordable Bozeman, MT car insurance companies. National Farmers Union provides Bozeman, MT auto insurance monthly rates of $17.

Bozeman, MT falls along what was once the Bozeman Trail, a road towards western US settlement founded by John M. Bozeman in the mid-19th century. In the early 21st century Bozeman received the “All American City” award from the National Civic League. Current and potential college students might know Bozeman as the home of Montana State University – Bozeman.

Fun fact: Did you know that Bozeman was once known as the “Valley of Flowers” by the Native Americans?

Are you looking for cheap auto insurance in Bozeman, MT? From AutoInsuranceEZ.com, you could find the lowest cost insurance premiums locally. To acquire free Bozeman, MT auto insurance quotes from the best providers now, provide your ZIP code in the quote box in this posting.

Auto Insurance Coverage Requirements in Montana

Driving legally in Bozeman requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Compared to other states, the bare minimum requirement for legal driving status in Montana is fairly small. However, purchasing bare minimum coverage only protects you in certain situations, and even then you may still be held financially liable for what your provider won't pay out.

Astoundingly, average monthly premiums in Montana can run as high as $168 for most drivers. But living in Bozeman comes with certain advantages - and one of those advantages is that drivers in your area could lower their monthly premiums down to $28/mo* or less!

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What is the Cheapest Car Insurance in Bozeman, Montana?

Average Monthly Auto Insurance PremiumsLegend: Bozeman National Farmers Union State Farm Cal Casualty Allstate Allied 510152025303540$17$21$23$39$40

 

While the above does not list all of the best 10 auto insurance in Bozeman, MT, there are certain car insurance providers (namely State Farm, National Farmers Bureau, and Cal Casualty) who are trying to attract business by offering some of the cheapest auto insurance in Bozeman, MT. But remember, low rates aren't everything when it comes to insurance. Customer service and claims are important factors, too. It would be ideal to research any number of companies, from Allstate Bozeman to any of the listed companies above.

Bozeman, MT auto insurance companies contemplate numerous factors when establishing insurance rates, among them driving experience, geography, occupation, years of driving experience, and multiple cars and drivers. Also keep in mind that affordable Bozeman, MT auto insurance can vary from company to company. To find out if you are still paying the cheapest cost, evaluate price quotes over the internet.

Major Factors in Cheap Car Insurance in Bozeman, Montana

There are many ways that your car insurance rate may be determined. But not all of it is out of your control; there are things you can do in order to impact which discounts you are entitled to obtain. Listed here are a few of these components in greater detail:

Your ZIP Code

Your Bozeman, MT auto insurance rates could vary based on the spot where you call home. In general, highly populated urban centers have higher car insurance rates as the extra number of car owners on the highway raises the chance of a collision! The population of Bozeman is 39,860 and the normal household earnings are $49,661.

Auto Insurance by ZIP CodeLegend: Great Falls Missoula Butte Billings Bozeman National Farmers Union State Farm Cal Casualty Allstate Allied 51015202530354045$20$19$21$20$17$28$26$27$26$21$28$27$27$28$23$44$42$37$41$39$48$41$48$43$40

 

Automotive Accidents

Thankfully, fatal accidents in Bozeman are quite low, especially when compared with other areas of the state. This means that you might already be getting a more favorable monthly premium, just for living where you live. Providers often charge less for motorists who live in towns with safe roads.

Fatal Accidents in Bozeman, MTLegend: Bozeman Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 121112

 

Auto Thefts in Bozeman

Residing in a big urban center (Chiefly any having a high rate of crime) increases your probability of being a victim of auto theft. In cases where your regular locale has higher rates of claims for theft, you are likely to spend more for auto insurance to counteract these prices. The full number of stolen vehicles in Bozeman dropped to 52 during 2013. Since auto theft rates are so low in Bozeman, you might be able to save money each month by altering your Comprehensive deductible.

Basic vs. Comprehensive Autp PolicyLegend: Basic Coverage Comprehensive Coverage National Farmers Union State Farm Cal Casualty Allstate Allied 102030405060708090100110120$17$120$21$83$23$121$39$115$40$96

 

Your Credit Score

On average, drivers who have poor credit are paying about twice as much as someone with an excellent credit score. Some companies are more forgiving than others, however, and it may be worth shopping around if your credit is less than perfect.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit National Farmers Union State Farm Cal Casualty Allstate Allied 51015202530354045505560$14$27$17$40$19$43$32$64$35$62

 

Your Age

Older drivers are less likely to get into an accident due to their extensive driving experience, and are charged lower rates as a result. Younger drivers, especially teenagers, are a different story. You might be able to qualify for a Good Student or driving class discount, but your rates will still likely be high.

Auto Policy Age ComparisonLegend: 34 Year Old Male 17 Year Old National Farmers Union State Farm Cal Casualty Allstate Allied 102030405060708090100110120$17Do Not Sell$21$59$23$70$39$126$40$99

 

Your Driving Record

Having a clean driving record can get you some serious discounts on your auto policy. Unfortunately, for most drivers, avoiding the occasional speeding ticket or minor accident is easier said than done. That's why competitive companies are offering Accident Forgiveness discounts to attract more business.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident National Farmers Union State Farm Cal Casualty Allstate Allied 510152025303540455055606570$17$23$31$27$21$23$23$25$23$26$53$29$39$44$53$55$40$45$70$55

 

Your Vehicle

The expense associated with insuring a luxury vehicle has more to do with the amount of insurance you buy, rather than the vehicle itself. After all, you're not going to cover a Ferrari or a Porsche with state minimum Liability coverage. You're going to purchase many different coverage options, and in sufficiently high amounts to cover the cost of your vehicle.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder National Farmers Union State Farm Cal Casualty Allstate Allied 153045607590105120135150$17$145$21$108$23$145$39$159$40$98

 

Minor Factors in Cheap Auto Insurance in Bozeman, Montana

Don't overlook these other important factors, though:

Your Marital Status

Married couples are in the best position to take advantage of the huge bundling discounts which insurance companies like to offer. And bundling your auto policies is just the beginning. You can also bundle your renters or homeowners insurance if your provider offers such policies, too.

Your Gender

In general, most insurance providers won't charge drastically different premiums based on gender alone. Some companies still do, but the difference is little more than a few dollars per month. And whether this penalizes male or female drivers will change based on the company giving you the quote.

Your Driving Distance to Work

While the average commute time in Bozeman will last about 10-18 minutes, while most trips hover around the 12-14 minute range. The majority of drivers will use their own vehicle in order to get around (68%), while an additional 8-12% will likely carpool. Some (8%) even like to walk.

Vehicles insured for business or professional reasons typically cost around 11% more than the average car or truck in monthly premiums. Other similar factors, such as yearly mileage or driving to work/school, generally only raise or lower your monthly payment by a few percentage points.

Your Coverage and Deductibles

Your deductible is the small fee you have to pay before your insurance provider will pay out on Collision or Comprehensive claims. But you have the option to raise your deductible, which can lead to lower monthly payments.

Education in Bozeman, MT

With 34% of residents owning a bachelor’s degree, it is safe to say that Bozeman is a highly educated area. Additionally, 21% of residents have 1 year or more of college. If you fall into this category, you can use your education for more than just better career opportunities, or to negotiate a higher salary; you can also get cheaper rates for auto insurance than drivers with less than a college education.

The focal point of higher education in Bozeman, Montana is obviously the campus of MSU-Bozeman. Educating nearly 15,000 students each year, this public university offers students a choice of 51 Bachelor’s degrees, over 40 master’s degrees, and nearly 20 different doctoral programs.

Regrettably for most insurance providers, a super easy search on the internet could uncover so many of their business techniques. But even using the right information, it may still be challenging for you as an individual to determine your risk user profile and find affordable insurance. Make sure you perform your own due diligence before you commit to your subsequent auto insurance policy.

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How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Montana Commissioner of Securities and Insurance

Montana Division of Banking and Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

You could find the cheapest car insurance in Bozeman, MT by simply typing in your ZIP code into the calculator below.

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