Cheap Auto Insurance Quotes in Billings, MT (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Treasure State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes

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.

Quotes by Top Carriers
Quotes ($/mo)
$46
$60
$65
$77
$158
State FarmProgressiveAllstateTravelersThe General
Monthly $

Cheapest Car Insurance in Billings, MT

Here are the cheapest carriers in Billings for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Billings. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$89
$85
$89
$98
$92
$81
MontanaMissoulaGreat FallsBozemanButteBillings
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Billings, MT Driving Facts

montana

Minimum Car Insurance Requirements in MT

Understanding Montana car insurance requirements is the first step to getting low-cost car insurance. Every state has at least slightly different rules and regulations when it comes to car insurance, so it’s important to know the difference between required, recommended, and optional coverage limits.

According to the Montana Department of Justice, Montana auto insurance requirements include:

  • $25,000 bodily injury liability per person 
  • $50,000 bodily injury liability in total per accident
  • $20,000 property damage liability

In addition to these minimum coverage levels, drivers must be offered underinsured/uninsured motorist protection in the minimums of $25,000/$50,000 bodily injury coverage. While not required to carry underinsured or uninsured motorist coverageMontana drivers must reject these riders in writing if they want to remove it from their policy.

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.

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

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.

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.

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.

Conclusion: 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.

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

Insurify Insights: How Billings Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Billings, MT
suspended licenses
#4
Cities with Most
Suspended Licenses Rank

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.

Accidents Billings

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 paid on average 30.61% more than drivers with a clean record

Speeding Billings

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 paid on average 42.18% more than drivers with a clean record

DUI/DWIs Billings

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 paid on average 20.41% more than drivers with a clean record

Most Popular Vehicle Billings

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.

Rude Billings

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 paid on average 42.18% more than drivers with a clean record.

Safest Drivers Billings

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%

Failure to Yield the Right of Way Billings

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 paid on average --% more than drivers with a clean record

Reckless Drivers Billings

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%

Hybrid/Electric Vehicle Ownership Billings

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%
Most Patriotic City

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."


FAQs - Billings, MT Car Insurance

Is Montana a no-fault state?

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.

How much does auto insurance cost in Billings?

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.

How much coverage should I buy for my car in Billings?

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.