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.

Compare all car insurance quotes in one place

Compare Quotes

Personalized quotes in less than 2 minutes.

No signup required

As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

Loading Chart

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

Loading Chart

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

Billings, MT Driving Facts

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.

montana

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
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 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.

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

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Billings stacks up for the state of Montana:

ford
Ford F-Series Pickup
Most Popular Car in
Billings, MT
suspended licenses
#6
Cities with Most
Suspended Licenses Rank
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.