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Cheap Auto Insurance Quotes in Billings, MT (June 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

While there are a few somewhat walkable neighborhoods in Billings, residents of the largest city in Montana generally rely on their cars, especially to get to work. If you commute by car in Billings, you’ll need good coverage through an insurance policy.

Car Insurance in Billings, MT

The average cost of Montana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Billings, MT to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Billings is $185 per month, or $2220 annually.
  • Car insurance in Billings is $20 more than the average cost of car insurance in Montana.
  • The cheapest car insurance provider in Billings on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm
$46
Progressive
$60
Allstate
$65
Travelers
$77
The General
$158

Cheapest Car Insurance in Billings, MT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in BillingsQuotes
State Farm$46 /mo
Progressive$60 /mo
Allstate$65 /mo
Travelers$77 /mo
The General$158 /mo

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Best Car Insurance in Billings, MT

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Billings. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
American Family89$176 /mo
Nationwide89$235 /mo
Safeco86$247 /mo
Travelers80$142 /mo

Average Car Insurance Cost

Montana Cities
Missoula$85/mo
Great Falls$89/mo
Bozeman$98/mo
Butte$92/mo
Billings$81/mo
Montana$89/mo
Billings
$81
Missoula
$85
Average for MT
$89
Great Falls
$89
Butte
$92
Bozeman
$98
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Montana

All motor vehicles operated or parked on Montana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Montana[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Montana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Montana, this coverage is required to be offered, but drivers can reject it if they do not want it.

Billings Car Insurance Rates by Driver Age

Winter weather in Billings can create hazards on the road, and those with more experience behind the wheel tend to benefit from lower insurance rates due to their ability to handle a range of situations. Drivers in their 70s pay an average of $109, while those under the age of 20 are charged nearly three times that amount, at roughly $293. Residents may not be able to escape the cold in Billings, but they can count on lower rates as they get older.

Driver's AgeAvg. Monthly Cost
teens$294
20s$194
30s$160
40s$182
50s$115
60s$145
70s$110
80sN/A

Billings Car Insurance Rates by Driving and Accident History

Accidents can happen in the blink of an eye, and if you find that your once-perfect driving record isn’t so perfect now, at least you won’t have to pay much more for your coverage. Billings drivers with a clean history average $197, while those who get a speeding ticket or cause an accident pay around $209 and $216, respectively.

Driving HistoryAvg. Monthly Cost
No Violation$198
Speeding Ticket$210
At-Fault Accident$217
Failure to Stop for Red Light / Stop Sign$174

Billings Car Insurance Rates by Credit Tier

You may never know how much snow to expect in Billings, but at least you’ll always pay roughly the same for car insurance no matter what your credit looks like. Motorists in the lowest tier average $185 for their coverage and pay similar rates even as they move up to average and good credit scores. Those with excellent credit, oddly enough, pay the most, with rates that average right around the $217 mark.

Credit TierAvg. Monthly Cost
Excellent$218
Good$184
Average$177
Poor$186

Find local Billings agents

  • Frontier Insurance Solutions Inc 

    2331 Lewis Ave,
    Billings, MT 59102
  • Arne Mysse Insurance 

    5549 Walter Hagen Drive,
    Billings, MT 59106
  • Roger L. Daniel Insurance Agency, Inc.

    2047 Broadwater Avenue,
    Billings, MT 59102
  • Leavitt Great West Insurance Services, LLC Billings 

    2345 King Ave W,
    Billings, MT 59101
  • Anvil Insurance 

    1629 Ave D Suite A7,
    Billings, MT 59102
  • Frontier Insurance Solutions, Inc. (Heights) 

    848 Main St Ste 16,
    Billings, MT 59105-3362
  • Peter Yegen Jr, Inc.

    211 N 30Th St,
    Billings, MT 59101-1928
  • PayneWest Insurance Inc. 

    3289 Gabel Road,
    Billings, MT 59102
  • Hub International Mountain States Ltd. 

    3533 Gabel Road,
    Billings, MT 59102
  • Miriam Avery Insurance Agency, Inc 

    1690 Rimrock Road,
    Ste H, Billings, MT 59102
View more

Billings, MT DMV Information

The Montana Motor Vehicles Division offers many online services, and the Yellowstone County Treasurer’s Office in Billings can help with titling and registration. If you need proof of insurance to get your car registered, it’s easy to obtain a policy online. With Insurify, you’ll just need to answer a few questions, and we’ll show you personalized quotes from up to 20 different insurers, so you can select a plan that works for you.

Public Transportation in Billings, MT

MET Transit operates buses in Billings six days per week, but fewer than 1 percent of workers use the service. Uber and Lyft operate in the city as well, as do traditional taxi services, but most Billings residents drive their own vehicles to get to work. About 84 percent drive alone and another 8 percent carpool, driving an average of 17 minutes to get there.

Most Patriotic City

Billings

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Helena won Insurify's Most Patriotic Cities Award for the state of Montana. Also the state's capital city, Helena was founded as a mining town by four pioneers from the American South now known as the "Four Georgians."

How to get the best and cheapest car insurance in Billings, MT

Don’t be one of the estimated 10 percent of drivers who go without insurance in Montana. Driving uninsured could have devastating financial and legal consequences. You’ll face up to a $500 fine and up to 10 days in jail for your first offense, and you could be on the hook for thousands of dollars if you cause an accident.

Luckily, it’s really easy to find a cheap car insurance policy nowadays. You can use an online quote-comparison tool such as Insurify to compare rates across lenders, which could potentially save you hundreds annually.

FAQs - Billings, MT Car Insurance

  • No. Montana is an at-fault state, which means that if you cause an accident, you will be held responsible for the injuries and damages. Without insurance, you could be sued for tens of thousands of dollars. If you have liability coverage, your insurance provider will pay for damages to the other vehicle up to your policy’s limits. And if you have full coverage, damages to both vehicles in the accident will be covered.
  • Car insurance is relatively affordable in Billings, costing an average of $81 per month. That’s less than the state average and only about a third of the national average cost. What’s more, some insurance companies can offer premiums as low as $46 per month to drivers with a clean record. To get the lowest rate on car insurance, use Insurify to compare quotes across providers.
  • At a minimum, you must carry the following coverages: $25,000 per person and $50,000 per accident in bodily injury liability coverage $10,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured motorist coverage This will protect you if another driver causes an accident, even if they are uninsured. But if you want your insurance company to pay for repairs to your vehicle after an accident you cause, you’ll need full coverage. If you have a loan or a lease, you’ll likely be required to have full coverage.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Billings Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Billings, Montana below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Billings drivers measure up to their fellow motorists across Montana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Billings

#4

City with the Most Speeding Tickets Rank in Montana

#4

City with the Most Moving Violations Rank in Montana

#5

City with the Most DUIs Rank in Montana

#3

City with the Most Suspended Licenses in Montana

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Billings drivers rank 5 in the number of car accidents per driver across all cities in Montana.

    • Rank within state: #5
    • Percent of drivers in Billings with an accident: 10.01%
    • Drivers in Billings, MT with an accident in their driving history pay on average 30.61% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Montana, Billings drivers rank 4 in the number of speeding infractions per driver.

    • Rank within state: #4
    • Percent of drivers in Billings with a speeding ticket: 10.19%
    • Drivers in Billings, MT with a speeding ticket in their driving history pay on average 42.18% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Billings drivers rank 5 in the number of DUI’s per driver across all cities in Montana.

    • Rank within state: #5
    • Percent of drivers in Billings with a DUI: 3.4%
    • Drivers in Billings, MT with a DUI in their driving history pay on average 20.41% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Billings is the Ford F-Series Pickup.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Montana, Billings drivers rank 1 in rude driving infractions.

    • Rank within state: #1
    • Percent of drivers in Billings with a reckless driving violation: 2.75%
    • Drivers in Billings, MT with a reckless driving violation in their driving history pay on average 42.18% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Billings drivers rank 2 in clean driving records across all cities in Montana.

    • Rank within state: #2
    • Percent of drivers in Billings with clean record: 79.43%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Billings drivers rank 1 in failure to yield violations per driver across all cities in Montana.

    • Rank within state: #1
    • Percent of drivers in Billings with a failure to yield violation: 0.83%
    • Drivers in Billings, MT with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Montana, Billings drivers rank 3 in the number of reckless driving offenses per driver.

    • Rank within state: #3
    • Percent of drivers in Billings with a reckless driving offense: 0.37%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Billings drivers rank 7 in hybrid and electric vehicle ownership across all cities in Montana.

    • Rank within state: #7
    • Percent of drivers in Billings with a hybrid/electric vehicle: 0.28%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Montana Department of Justice. "State Minimum Car Insurance Requirements." Accessed May 28, 2022