- Bozeman car insurance rates average $2,272 per year for full coverage, or around $189 per month.
- For cheap auto insurance in Bozeman, MT, compact crossovers like the Kia Soul, Subaru Crosstrek, Toyota Corolla Cross, and Ford Bronco Sport rank near the top.
How much does car insurance cost in Bozeman?
In Bozeman, average auto insurance cost is $2,272 per year, which is 2.3% more than the overall national average rate of $2,221. Per month, Bozeman car insurance costs approximately $189 for full coverage auto insurance.
In the state of Montana, the average car insurance cost is $2,330 per year, so the cost in Bozeman averages $58 less per year. The average cost to insure a vehicle in Bozeman compared to other Montana locations is approximately $32 per year more expensive than in Missoula, $8 per year cheaper than in Great Falls, and $46 per year cheaper than in Billings.
The next chart shows different average Bozeman car insurance rates based on a wide range of driver ages, deductibles, and risk profiles.
Average rates in the chart range from $1,890 per year for a middle-aged driver with many policy discounts to $5,222 per year for a 20-year-old driver who has to buy high risk car insurance. Throughout this article, the rate used for comparison of different segments, models, and locations is the 40-year-old safe driver rate, which has an average cost of $2,272 per year in Bozeman.
As a monthly expense, the average cost to insure a vehicle in Bozeman ranges from $158 to $435 for the same driver risk profiles shown in the prior chart.
Auto insurance rates have different premiums for every driver and can change frequently. Due to the high likelihood of rate variability, this increases the need for accurate car insurance quotes when trying to find cheaper car insurance in Bozeman, Montana.
Driver age significantly impacts the cost of car insurance, so the list below illustrates this by breaking out average car insurance rates for driver ages from 16 to 60.
Average car insurance cost for Bozeman, MT, drivers age 16 to 60
- 16 year old – $8,091 per year or $674 per month
- 17 year old – $7,838 per year or $653 per month
- 18 year old – $7,026 per year or $586 per month
- 19 year old – $6,398 per year or $533 per month
- 20 year old – $4,574 per year or $381 per month
- 30 year old – $2,424 per year or $202 per month
- 40 year old – $2,272 per year or $189 per month
- 50 year old – $2,018 per year or $168 per month
- 60 year old – $1,888 per year or $157 per month
The models that sell well in Bozeman tend to be small or midsize cars like the Nissan Sentra, Honda Civic, and Toyota Camry and small or midsize SUVs like the Toyota RAV4, Honda CR-V, and Subaru Outback.
A few additional popular vehicles in Bozeman from other segments include luxury SUVs like the Cadillac XT5, Lexus RX 350, and Acura MDX, luxury cars like the BMW 530i, Lexus ES 350, and Tesla Model S, and pickup trucks like the Ford F-150, Ford Ranger, and Chevy Silverado.
We get into many more car rates in a bit, but before we delve that deep, let’s quickly revisit the comparisons and key concepts that were presented up to this point.
- Auto insurance is cheaper as you age – Auto insurance rates for a 50-year-old driver in Bozeman are $2,556 per year cheaper than for a 20-year-old driver.
- Low deductibles cost more than high deductibles – A 20-year-old driver pays an average of $1,222 more per year for $250 physical damage deductibles versus $1,000.
- Bozeman auto insurance prices are cheaper than the Montana state average – $2,272 (Bozeman average) versus $2,330 (Montana average)
- Monthly car insurance cost ranges from $157 to $674 – That’s the average auto insurance cost range for drivers age 16 to 60 in Bozeman, Montana.
- Insurance rates fall considerably between ages 20 and 30 – The average 30-year-old Bozeman driver will pay $2,150 less each year than a 20-year-old driver, $2,424 versus $4,574.
Which cars have cheap insurance in Bozeman, MT?
The models with the cheapest average car insurance rates in Bozeman tend to be compact SUVs like the Kia Soul, Subaru Crosstrek, Toyota Corolla Cross, and Buick Envision. Average car insurance prices for those small SUVs cost $1,844 or less per year ($154 per month) for a full coverage policy.
Some additional vehicles that come in near the top in our auto insurance price comparison are the Buick Encore, Honda HR-V, Kia Niro, and Nissan Murano.
The average cost is a little higher for those models than the cheapest small SUVs that rank at the top, but they still have an average insurance cost of $1,978 or less per year, or about $165 per month.
The table below lists the vehicles with the cheapest overall insurance rates in Bozeman, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,678 | $140 |
| 2 | Chevrolet Trailblazer | $1,708 | $142 |
| 3 | Kia Soul | $1,776 | $148 |
| 4 | Nissan Kicks | $1,788 | $149 |
| 5 | Honda Passport | $1,812 | $151 |
| 6 | Buick Envision | $1,822 | $152 |
| 7 | Toyota Corolla Cross | $1,832 | $153 |
| 8 | Hyundai Venue | $1,844 | $154 |
| 9 | Mazda CX-5 | $1,854 | $155 |
| 10 | Ford Bronco Sport | $1,862 | $155 |
| 11 | Volkswagen Tiguan | $1,882 | $157 |
| 12 | Acura RDX | $1,902 | $159 |
| 13 | Nissan Murano | $1,912 | $159 |
| 14 | Buick Encore | $1,932 | $161 |
| 15 | Subaru Outback | $1,936 | $161 |
| 16 | Honda CR-V | $1,940 | $162 |
| 17 | Buick Envista | $1,944 | $162 |
| 18 | Volkswagen Taos | $1,946 | $162 |
| 19 | Kia Niro | $1,958 | $163 |
| 20 | Toyota GR Corolla | $1,974 | $165 |
| 21 | Honda HR-V | $1,978 | $165 |
| 22 | Subaru Ascent | $1,980 | $165 |
| 23 | Nissan Leaf | $1,992 | $166 |
| 24 | Chevrolet Colorado | $2,002 | $167 |
| 25 | Honda Civic | $2,012 | $168 |
| 26 | Lexus NX 250 | $2,012 | $168 |
| 27 | Volkswagen Atlas | $2,016 | $168 |
| 28 | Acura Integra | $2,024 | $169 |
| 29 | Subaru Forester | $2,024 | $169 |
| 30 | Volkswagen Atlas Cross Sport | $2,026 | $169 |
| 31 | Kia Seltos | $2,030 | $169 |
| 32 | GMC Terrain | $2,036 | $170 |
| 33 | Nissan Rogue | $2,044 | $170 |
| 34 | Hyundai Kona | $2,046 | $171 |
| 35 | Mazda CX-30 | $2,050 | $171 |
| 36 | Cadillac XT4 | $2,054 | $171 |
| 37 | Ford Explorer | $2,062 | $172 |
| 38 | Volkswagen ID4 | $2,062 | $172 |
| 39 | Toyota Highlander | $2,068 | $172 |
| 40 | Ford Escape | $2,074 | $173 |
| 41 | Toyota Venza | $2,076 | $173 |
| 42 | Honda Odyssey | $2,078 | $173 |
| 43 | Nissan Sentra | $2,080 | $173 |
| 44 | Subaru Impreza | $2,088 | $174 |
| 45 | Chevrolet Equinox | $2,094 | $175 |
| 46 | Toyota RAV4 | $2,094 | $175 |
| 47 | Mazda MX-5 Miata | $2,104 | $175 |
| 48 | Mazda MX-30 | $2,112 | $176 |
| 49 | Hyundai Tucson | $2,114 | $176 |
| 50 | Chevrolet Traverse | $2,122 | $177 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bozeman, MT Zip Codes. Updated June 26, 2025
A table of 50 vehicle rankings doesn’t really give a detailed view of the cost of auto insurance in Bozeman. A more thorough way to look at car insurance rates for more vehicles is by breaking them out by automotive segment. The sections below break out the top 20 vehicles with the most affordable auto insurance rates for each of the main vehicle segments.
Cheapest car insurance rates in Bozeman
The top-ranked model in Bozeman for cheapest average insurance rates in the non-luxury sedan segment is the Toyota GR Corolla, with an average cost of $1,974 per year. Second place is the Nissan Leaf at $1,992 per year, third place goes to the Honda Civic, at an average of $2,012 per year, and the fourth most affordable is the Nissan Sentra, at an average of $2,080 per year.
Additional cars that have cheaper rates are the Kia K5, Honda Accord, Toyota Corolla, and Toyota Prius, with average rates of $2,212 per year or less.
Full-coverage auto insurance in this segment for a good driver starts at an average of $165 per month, depending on your location and insurance company.
If insurance rates are ranked by vehicle size, the most affordable non-luxury compact car to insure in Bozeman is the Toyota GR Corolla at $1,974 per year, or $165 per month. For midsize 2024 models, the Kia K5 has the cheapest rates at $2,190 per year, or $183 per month. And for full-size sedans, the Chrysler 300 has the most affordable rates at $2,166 per year, or $181 per month.
The comparison table below ranks the twenty cars with the cheapest average auto insurance rates in Bozeman, starting with the Toyota GR Corolla at $1,974 per year ($165 per month) and ending with the Mazda 3 at $2,350 per year ($196 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,974 | $165 |
| Nissan Leaf | Compact | $1,992 | $166 |
| Honda Civic | Compact | $2,012 | $168 |
| Nissan Sentra | Compact | $2,080 | $173 |
| Subaru Impreza | Compact | $2,088 | $174 |
| Toyota Prius | Compact | $2,124 | $177 |
| Kia K5 | Midsize | $2,190 | $183 |
| Honda Accord | Midsize | $2,196 | $183 |
| Chevrolet Malibu | Midsize | $2,204 | $184 |
| Toyota Corolla | Compact | $2,212 | $184 |
| Kia Forte | Compact | $2,216 | $185 |
| Volkswagen Arteon | Midsize | $2,234 | $186 |
| Nissan Versa | Compact | $2,240 | $187 |
| Subaru Legacy | Midsize | $2,244 | $187 |
| Hyundai Ioniq 6 | Midsize | $2,262 | $189 |
| Mitsubishi Mirage G4 | Compact | $2,294 | $191 |
| Volkswagen Jetta | Compact | $2,296 | $191 |
| Toyota Crown | Midsize | $2,300 | $192 |
| Hyundai Sonata | Midsize | $2,306 | $192 |
| Mazda 3 | Compact | $2,350 | $196 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bozeman, MT Zip Codes. Updated June 26, 2025
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.
Looking for rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Montana.
Cheapest SUV insurance rates in Bozeman, MT
Ranking at the top of the list for the lowest-cost Bozeman auto insurance rates in the non-luxury SUV segment are the Honda Passport, Subaru Crosstrek, Kia Soul, Nissan Kicks, and Chevrolet Trailblazer. Car insurance prices for these 2024 models average $1,812 or less per year, or around $151 per month.
Some other SUVs that rank well include the Toyota Corolla Cross, Mazda CX-5, Buick Envision, and Ford Bronco Sport, with average rates of $1,862 per year or less.
Additional vehicles on the list include the Honda CR-V, Kia Niro, Nissan Murano, and Volkswagen Tiguan, which cost between $1,862 and $1,980 per year for full-coverage insurance in Bozeman.
Full-coverage auto insurance in Bozeman for this segment for a safe driver starts at an average of $140 per month, depending on where you live.
The most budget-friendly compact SUV to insure in Bozeman is the Subaru Crosstrek at $1,678 per year. For midsize models, the Honda Passport has the cheapest rates at $1,812 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,136 per year.
The comparison table below ranks the twenty SUVs with the cheapest average car insurance rates in Bozeman.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,678 | $140 |
| Chevrolet Trailblazer | Compact | $1,708 | $142 |
| Kia Soul | Compact | $1,776 | $148 |
| Nissan Kicks | Compact | $1,788 | $149 |
| Honda Passport | Midsize | $1,812 | $151 |
| Buick Envision | Compact | $1,822 | $152 |
| Toyota Corolla Cross | Compact | $1,832 | $153 |
| Hyundai Venue | Compact | $1,844 | $154 |
| Mazda CX-5 | Compact | $1,854 | $155 |
| Ford Bronco Sport | Compact | $1,862 | $155 |
| Volkswagen Tiguan | Compact | $1,882 | $157 |
| Nissan Murano | Midsize | $1,912 | $159 |
| Buick Encore | Compact | $1,932 | $161 |
| Subaru Outback | Midsize | $1,936 | $161 |
| Honda CR-V | Compact | $1,940 | $162 |
| Buick Envista | Midsize | $1,944 | $162 |
| Volkswagen Taos | Compact | $1,946 | $162 |
| Kia Niro | Compact | $1,958 | $163 |
| Honda HR-V | Compact | $1,978 | $165 |
| Subaru Ascent | Midsize | $1,980 | $165 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bozeman, MT Zip Codes. Updated June 27, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Don’t see your SUV in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Bozeman car insurance quotes from the best car insurance companies in Montana.
Cheapest pickup truck insurance rates in Bozeman
The four most affordable pickups to insure in Bozeman are the Chevrolet Colorado at $2,002 per year, Nissan Titan at $2,128 per year, Nissan Frontier at $2,148 per year, and Ford Ranger at $2,172 per year.
Other models that have cheaper rates include the Honda Ridgeline, GMC Sierra 2500 HD, GMC Canyon, and Hyundai Santa Cruz, with average rates of $2,338 per year or less.
Car insurance rates in this segment for the average driver starts at around $167 per month, depending on where you live. The comparison table below ranks the twenty pickups with the cheapest average auto insurance rates in Bozeman, starting with the Chevrolet Colorado at $167 per month and ending with the Ram Truck at $219 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,002 | $167 |
| Nissan Titan | Full-size | $2,128 | $177 |
| Nissan Frontier | Midsize | $2,148 | $179 |
| Ford Ranger | Midsize | $2,172 | $181 |
| Ford Maverick | Midsize | $2,204 | $184 |
| Honda Ridgeline | Midsize | $2,256 | $188 |
| Hyundai Santa Cruz | Midsize | $2,294 | $191 |
| Toyota Tacoma | Midsize | $2,300 | $192 |
| GMC Sierra 2500 HD | Heavy Duty | $2,310 | $193 |
| GMC Canyon | Midsize | $2,338 | $195 |
| Jeep Gladiator | Midsize | $2,392 | $199 |
| GMC Sierra 3500 | Heavy Duty | $2,408 | $201 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,428 | $202 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,492 | $208 |
| GMC Sierra | Full-size | $2,510 | $209 |
| Chevrolet Silverado | Full-size | $2,512 | $209 |
| Nissan Titan XD | Heavy Duty | $2,514 | $210 |
| Ford F150 | Full-size | $2,542 | $212 |
| GMC Hummer EV Pickup | Full-size | $2,608 | $217 |
| Ram Truck | Full-size | $2,628 | $219 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bozeman, MT Zip Codes. Updated June 27, 2025
For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Is your pickup truck missing from the table above? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Bozeman car insurance quotes from the best car insurance companies in Montana.
Cheapest sports cars to insure in Bozeman
Ranking highest for the most affordable Bozeman auto insurance rates in the performance and sports car segment are the Mazda MX-5 Miata, Subaru WRX, Toyota GR86, BMW Z4, and Ford Mustang. Car insurance prices for these vehicles average $2,548 or less per year, or around $212 per month.
Not the cheapest, but still very affordable, are cars like the Lexus RC F, Toyota GR Supra, Subaru BRZ, and BMW M2, with an average cost of $2,716 per year or less.
Some additional 2024 models worth mentioning include the Porsche 718, Lexus LC 500, Porsche Taycan, and BMW M3, which cost between $2,716 and $3,850 per year to insure in Bozeman.
Car insurance rates in this segment for a safe driver starts at an average of $175 per month, depending on your company and location.
The next table ranks the sports cars with the lowest-cost car insurance rates in Bozeman.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,104 | $175 |
| Toyota GR86 | Sports Car | $2,396 | $200 |
| Ford Mustang | Sports Car | $2,496 | $208 |
| BMW Z4 | Sports Car | $2,512 | $209 |
| Subaru WRX | Sports Car | $2,548 | $212 |
| Toyota GR Supra | Sports Car | $2,552 | $213 |
| BMW M2 | Sports Car | $2,626 | $219 |
| Nissan Z | Sports Car | $2,634 | $220 |
| Lexus RC F | Sports Car | $2,688 | $224 |
| Subaru BRZ | Sports Car | $2,716 | $226 |
| BMW M3 | Sports Car | $2,872 | $239 |
| Porsche 718 | Sports Car | $2,926 | $244 |
| Chevrolet Camaro | Sports Car | $2,954 | $246 |
| Chevrolet Corvette | Sports Car | $3,148 | $262 |
| Porsche 911 | Sports Car | $3,256 | $271 |
| BMW M4 | Sports Car | $3,394 | $283 |
| Lexus LC 500 | Sports Car | $3,408 | $284 |
| Jaguar F-Type | Sports Car | $3,586 | $299 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,764 | $314 |
| Porsche Taycan | Sports Car | $3,850 | $321 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bozeman, MT Zip Codes. Updated June 26, 2025
Looking for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Bozeman.
Cheapest luxury car auto insurance rates
The top four luxury cars with the cheapest car insurance in Bozeman are the Acura Integra at $2,024 per year, BMW 330i at $2,314 per year, Mercedes-Benz CLA250 at $2,340 per year, and Lexus IS 300 at $2,344 per year.
Not the cheapest luxury cars to insure, but still very reasonable, are models like the Cadillac CT4, Lexus RC 300, Genesis G70, and Lexus ES 350, with an average car insurance cost of $2,390 per year or less.
Ranked lower than 10th place, but still in the top 20, cars like the Lexus IS 350, BMW 330e, Audi S3, BMW 228i, and Lexus ES 300h cost between $2,390 and $2,550 per year for full-coverage insurance.
Auto insurance in this segment for an average middle-age driver will start around $169 per month, depending on where you live.
The most budget-friendly compact luxury car to insure in Bozeman is the Acura Integra at $2,024 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is cheapest to insure at $2,340 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $2,700 per year.
The next table ranks the twenty luxury cars with the cheapest average auto insurance rates in Bozeman, starting with the Acura Integra at $2,024 per year and ending with the Audi S3 at $2,550 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,024 | $169 |
| BMW 330i | Compact | $2,314 | $193 |
| Mercedes-Benz CLA250 | Midsize | $2,340 | $195 |
| Lexus IS 300 | Midsize | $2,344 | $195 |
| Acura TLX | Compact | $2,354 | $196 |
| Cadillac CT4 | Compact | $2,374 | $198 |
| Lexus ES 350 | Midsize | $2,374 | $198 |
| Genesis G70 | Compact | $2,382 | $199 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,384 | $199 |
| Lexus RC 300 | Midsize | $2,390 | $199 |
| Lexus IS 350 | Compact | $2,400 | $200 |
| Jaguar XF | Midsize | $2,406 | $201 |
| Cadillac CT5 | Midsize | $2,450 | $204 |
| Lexus ES 250 | Midsize | $2,460 | $205 |
| Lexus RC 350 | Compact | $2,466 | $206 |
| BMW 330e | Compact | $2,468 | $206 |
| BMW 228i | Compact | $2,474 | $206 |
| BMW 230i | Compact | $2,490 | $208 |
| Lexus ES 300h | Midsize | $2,496 | $208 |
| Audi S3 | Compact | $2,550 | $213 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bozeman, MT Zip Codes. Updated June 26, 2025
See our guide for luxury car insurance to view any vehicles not shown in the table.
Don’t see insurance rates for your vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Bozeman car insurance quotes from top car insurance companies in Montana.
Cheapest luxury SUV insurance rates
The top four luxury SUVs with the lowest-cost auto insurance rates in Bozeman are the Acura RDX at $1,902 per year, Lexus NX 250 at $2,012 per year, Cadillac XT4 at $2,054 per year, and Jaguar E-Pace at $2,126 per year.
Additional luxury SUVs that have cheaper rates are the Lexus NX 350h, Lincoln Corsair, Lexus UX 250h, and Mercedes-Benz GLB 250, with average cost of $2,192 per year or less.
Additional 2024 models on the list include the Land Rover Evoque, Cadillac XT6, Mercedes-Benz AMG GLB35, Infiniti QX60, and Infiniti QX50, which cost between $2,192 and $2,280 to insure per year in Bozeman.
As a cost per month, auto insurance rates in this segment for an average middle-age driver will start around $159 per month, depending on the company.
If rates are ranked based on vehicle size, the cheapest small luxury SUV to insure in Bozeman is the Acura RDX at $1,902 per year. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,126 per year. And for large luxury SUV models, the Infiniti QX80 has the cheapest rates at $2,550 per year.
The rate comparison table below ranks the luxury SUVs with the cheapest average auto insurance rates in Bozeman.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,902 | $159 |
| Lexus NX 250 | Compact | $2,012 | $168 |
| Cadillac XT4 | Compact | $2,054 | $171 |
| Jaguar E-Pace | Midsize | $2,126 | $177 |
| Cadillac XT5 | Midsize | $2,146 | $179 |
| Lexus NX 350h | Compact | $2,146 | $179 |
| Lincoln Corsair | Compact | $2,174 | $181 |
| Mercedes-Benz GLB 250 | Compact | $2,178 | $182 |
| Lexus UX 250h | Compact | $2,180 | $182 |
| Lexus NX 450h | Compact | $2,192 | $183 |
| Infiniti QX50 | Midsize | $2,210 | $184 |
| Mercedes-Benz GLA250 | Compact | $2,216 | $185 |
| Cadillac XT6 | Midsize | $2,224 | $185 |
| Mercedes-Benz GLA35 AMG | Compact | $2,224 | $185 |
| Infiniti QX60 | Midsize | $2,236 | $186 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,240 | $187 |
| Land Rover Evoque | Compact | $2,270 | $189 |
| Acura MDX | Midsize | $2,272 | $189 |
| Lexus RX 350 | Midsize | $2,280 | $190 |
| Lexus NX 350 | Compact | $2,282 | $190 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bozeman, MT Zip Codes. Updated June 26, 2025
See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.
Don’t see insurance rates for your luxury SUV? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Bozeman car insurance quotes from the best companies in Montana.
Tips for saving money on car insurance
Bozeman drivers are often looking to cut the monthly cost of insurance, so scan the money-saving tips below and it’s very possible you can save some money when buying car insurance.
- If your car is older, remove unneeded coverages. Deleting comprehensive and collision coverage from vehicles whose low value makes coverage cost prohibitive can reduce the cost of insurance significantly.
- Research discounts to lower the cost. Savings may be available if the policyholders insure multiple vehicles on the same policy, belong to certain professional organizations, are good students, work in certain occupations, drive low annual mileage, or many other discounts which could save the average Bozeman driver as much as $382 per year on the cost of auto insurance
- No accidents means better auto insurance rates. Having at-fault accidents will cost you more, potentially by an extra $3,246 per year for a 20-year-old driver and even as much as $944 per year for a 40-year-old driver. So drive safe and save money!
- Stay claim free. Most auto insurance companies offer discounts for not having any claims. Auto insurance should only be used in the case of large financial hits, not for minor claims.
- Consider buying higher deductibles. Raising deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
- Good credit can save money. Having an excellent credit score over 800 may save $357 per year compared to a credit score between 670-739. Conversely, a weak credit score could cost up to $414 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- You don’t have to stick with the same company. Taking a few minutes to get a few free car insurance quotes could save a pile of cash. Rates change quite often and you can switch companies at any time.