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 $182.

But Billings residents still pay less than the national full-coverage average of $211, 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.

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Montana rates start as low as $86 per month for liability coverage

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Best insurer for customer service: State Farm

Best insurer for military families: USAA

Best insurer for full coverage: Travelers

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 $86, 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 $182, 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 $86 per month for liability coverage

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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 $271 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 $278 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 $315.

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 $105 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 $221, 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