Cheapest Auto Insurance in Billings, Montana (2024)

The average monthly cost of car insurance in Billings is $145 per month. Billings drivers pay insurance premiums that are slightly higher than the rest of Montana. The average monthly cost for full-coverage car insurance in Montana is $167.

But Billings residents still pay less than the national full-coverage average of $202, thanks partially to Montana’s reasonable insurance requirements and low population density.

Of course, insurance rates also depend on several factors that are personal to each driver, so your rates may look different from the city’s average. In this article, you’ll see what affects your car insurance rates in Billings and learn how you can reduce your costs by comparing quotes from multiple companies.

Cheapest car insurance companies in Billings

Billings drivers can choose from many car insurance companies offering affordable rates for liability coverage. As you start your search for coverage, remember the best insurance company for you will depend on your individual situation and needs.

Included here are three of the top companies serving the Billings community, and they’re an excellent place to start your search. You’ll also find the statewide average rates for each company here.

Find Cheap Car Insurance in Billings, Montana

Montana rates start as low as $78 per month for liability coverage

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Based on 3,806+ reviews

4.8/5

Best insurer for customer service: State Farm

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User Reviews	4.2 5,080 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$54/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$119/mo

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Driver Reviews

4.2

Best choiceBased on 9,243 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Not only is State Farm one of the top car insurance companies in the country — it writes more policies than any other insurer — but it also has affordable rates for Billings drivers. With State Farm, you can save on your policy while getting highly rated customer service with a variety of coverage and discount options.

Pros

• Cheap liability coverage

• Above-average customer satisfaction

• Discounts for safe and defensive drivers

Cons

• Fewer discounts than most competitors

• No gap insurance

• Many customer complaints

Best insurer for military families: USAA

military families

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User Reviews	4.9 940 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.4 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$45/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$99/mo

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Driver Reviews

4.9

Best choiceBased on 1,646 verified guest reviews and ratings

How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (940)

Arlington

December 18, 2024

Verified Review

Mediocre

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

Peter

December 18, 2024

Verified Review

Not Happy with USAA

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.

Donna

December 17, 2024

Verified Review

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

880

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.35

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA was founded specifically to offer insurance and other financial products to military service members and veterans. The company has some of the cheapest rates available for both liability-only insurance and full coverage. Additionally, USAA has the highest-rated customer satisfaction for any auto insurance company in the Northwest region, which includes Montana.^[1]

Pros

• Affordable premiums

• Top-rated customer satisfaction

• Per-mile and usage-based coverage and discounts

Cons

• Only for military and veteran families

• No gap insurance

• No 24/7 customer service phone support

Best insurer for full coverage: Travelers

full coverage

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User Reviews	4.7 399 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.0 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$89/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$191/mo

Show Details

Driver Reviews

4.7

Best choiceBased on 771 verified guest reviews and ratings

How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

Reviews (399)

Larry

December 14, 2024

Verified Review

Bye

It's very hard to file a claim. You have to take all kinds of pictures.

Joan

December 13, 2024

Verified Review

Not Recommended: Travelers Insurance

Their prices are outrageous. I have been with them for 10 years without any accidents. The customer service representatives can barely speak English and don't offer solutions.

Thomas

December 10, 2024

Verified Review

Checking Rates

I have no problem with Travelers. I'm just looking to check rates with other insurance carriers.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

829

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.94

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Travelers offers some of the cheapest full-coverage insurance for Billings drivers. The company also stands out by having some of the most wide-ranging coverage and discount options. Travelers offers more coverage options than most companies. And because Travelers offers an impressive 14 different discounts, just about everyone can find one that applies.

Pros

• Cheap full coverage

• More discounts than most companies

• Few customer complaints

Cons

• Rideshare coverage not available in Montana

• Below-average claims satisfaction

• Below-average digital experience

How to get the cheapest car insurance in Billings

While Montana has cheaper auto insurance than most states, you can always reduce your rates a little more by following these tips:

• Shop around for quotes. You can find the best rate by getting quotes from multiple companies or by using a comparison site to compare quotes all in one place.

• Bundle your policies. If you also have home insurance or renters insurance, get your auto insurance from the same company to get a lower rate.

• Save with discounts. Take advantage of the many discounts insurance companies offer for safe driving, up-front payments, membership to affinity groups, and more.

• Adjust your coverage. You can reduce your premiums by either reducing your coverage limits or increasing your policy deductible.

Cheapest liability-only car insurance in Billings

Liability insurance is the minimum amount of coverage you must have to drive legally in most states. This is true in Montana as well. Liability-only coverage pays for the injuries and vehicle damage that other people suffered in an accident you cause. However, liability coverage won’t cover your own losses.

This type of coverage might be sufficient if you drive a vehicle that isn’t worth much or could easily afford to replace your vehicle if it was totaled in an accident.

The average monthly rate for liability coverage in Montana is $78, and the table below shows the cheapest insurance quotes for liability-only coverage in Billings.

Cheapest full-coverage car insurance in Billings

Full-coverage car insurance includes liability coverage, but it also includes additional coverages to protect your vehicle and finances after an accident. Full coverage pays for damage to your vehicle from an accident or another covered incident, as well as damage uninsured drivers cause.

Full coverage is best for drivers with more valuable vehicles or people who couldn’t afford to replace their car if it were totaled in an accident. Additionally, your lender will probably require you to have full coverage as a condition of granting you a loan or lease.

The average monthly rate for full coverage in Montana is $167, and the table below shows the cheapest insurance quotes for full coverage in Billings.

Car insurance requirements in Montana

To drive legally in the state of Montana, your insurance coverage must meet or exceed state-required minimums.

Keep in mind that Montana’s insurance requirements only include coverages to protect other drivers and their property. Additionally, these minimum coverage limits may not be enough to pay for all the damages after a major car accident.

The minimum coverage levels you need to carry are outlined below.^[2]

In addition to Montana’s minimum insurance requirements, you can add plenty of other coverages to your policy to protect yourself even more. Here are some of the optional coverages you can add to your insurance policy in Billings:

• 

  Collision coverage

  Collision insurance pays for damage to your vehicle from an accident, regardless of fault or whether other parties were involved.

• 

  Comprehensive coverage

  Comprehensive insurance pays for damage to your vehicle caused by something other than an accident, such as theft, vandalism, or inclement weather.

• 

  Uninsured/underinsured motorist coverage

  This coverage applies when you’re in an accident caused by another person, but the at-fault driver either leaves the scene or doesn’t have insurance.

• 

  Gap insurance

  This covers the difference between your car’s value and your remaining loan or lease amount if your car is totaled.

• 

  Rental car coverage

  This pays for all or part of your rental car costs when your insured vehicle is damaged in a covered incident.

• 

  Roadside assistance

  This helps you get roadside assistance for tire changes, lockouts, towing services, and more.

Cheapest car insurance for drivers with an incident

If you have certain incidents on your driving record, your premiums are likely to be higher. A variety of incidents can increase your insurance rates, but common examples include speeding tickets, at-fault accidents, driving under the influence, and other moving violations.

In the sections that follow, you’ll see how unique incident types affect your car insurance rates in Billings.

Shop for Car Insurance in Billings, MT

Montana rates start as low as $78 per month for liability coverage

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Based on 3,806+ reviews

4.8/5

Cheapest car insurance for drivers with a speeding ticket

A speeding ticket is one of the most common types of moving violations and may increase your insurance premiums. This possible rate increase depends on how fast you were driving, whether you have other speeding tickets on your record, and other factors.

The average monthly rate for Montana drivers with a speeding ticket is $235 for full coverage.

The table below shows the rates offered by leading insurers in Billings.

Cheapest car insurance for drivers with an at-fault accident

When you’re at fault for an accident, your insurance premiums typically rise. An accident on your record shows insurers that you’re a higher-risk driver. Additionally, you’ve cost your insurance company money since it had to pay any claims for damage to your vehicle or any other parties.

In Montana, you can expect to pay an average monthly rate of $252 for full coverage with an accident on your record.

It’s worth noting that your rate could increase after an accident where you weren’t at fault, depending on your insurance company. However, the table below shows the cheapest insurance rates for drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI

A DUI is one of the most serious driving offenses you can have on your record, so it’s no surprise that it also has the most severe impact on your insurance premiums. Drivers often see their premiums increase significantly after a DUI — and they could stay that way for several years. In some cases, your insurer may drop you altogether if you have a DUI on your record.

The average monthly rate for full coverage in Montana with a DUI on your record is $285.

The table below shows the cheapest insurance quotes available in the Billings area.

Cheapest car insurance for seniors

One of the benefits of aging is you typically enjoy lower car insurance premiums. However, that’s only true until you reach your mid-70s, at which point your insurance rates are likely to start rising again. This is because drivers in their 70s are more likely to have a fatal accident than slightly younger drivers and may have certain characteristics that make it risky for them to drive.^[3]

Senior drivers in Montana pay an average monthly rate of $96 for coverage, and the table below shows the cheapest insurance quotes for senior drivers in Billings.

Cheapest car insurance for teens

Teens and young adults generally pay the highest insurance premiums of any other age bracket. This is because they lack driving experience and maturity, which can lead to a higher prevalence of risky behaviors, like speeding or distracted driving.^[4]

Fortunately, teen drivers can save money on insurance premiums by maintaining a safe driving record, taking advantage of teen and student discounts, driving a safe vehicle, and staying on a parent’s insurance policy for as long as possible.

The average monthly rate for teens in Montana is $211, and the table below shows the cheapest insurance quotes for teen drivers in Billings.

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Billings car insurance quotes by credit tier

When you sign up for car insurance, insurers use a variety of factors to gauge your risk level. One of these factors is your credit score. While a handful of states have barred insurance companies from using this factor, Montana isn’t one of them.

Generally speaking, the better your credit, the lower your insurance premiums. Drivers with excellent or good credit scores may enjoy the best rates, depending on their other characteristics. On the other hand, drivers with poor credit scores are likely to pay more.

The table below shows the average insurance premiums in Billings for each credit tier.

Is car insurance more expensive in Billings?

Montana drivers pay insurance premiums that are considerably lower than the national average. Data from the National Association of Insurance Commissioners from 2020, the last year for which data is available, shows car insurance premiums in Montana are 23% lower than the national average.^[5]

However, car insurance premiums vary within a state. Different cities in Montana — and even different neighborhoods or ZIP codes — may have different rates of accidents, crime, or uninsured drivers, all of which can contribute to the local insurance rates.

More cities in Montana

Billings has average insurance premiums that are higher than most other cities in the state. As you can see in the table below, drivers in Bozeman, Butte, Great Falls, Helena, and Missoula all pay premiums that are lower than those in Billings.

Billings car insurance FAQs