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.
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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.
|Failure to Stop for Red Light / Stop Sign||$174|
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.
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.
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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.
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Billings drivers measure up to their fellow Montana motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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.
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.
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.
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.
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.
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.
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.
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.
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."
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.
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.