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Balancing excellent service with low costs, Progressive offers the cheapest minimum coverage and best car insurance in Billings, MT, according to the latest quotes collected for 2023.

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2023

Cheapest and Best Car Insurance in Billings

Cheapest Minimum Liability Car Insurance in Billings

The most affordable auto insurance companies for a minimum coverage policy in Billings are:

  • Progressive: $203 per year
  • State Farm: $252 per year

Kemper is the most expensive option for minimum coverage, charging about $650 per year.

Nationwide offers the cheapest car insurance in Montana for minimum coverage, but rates vary depending on your location. As of October 2022, Nationwide’s average minimum coverage in Montana costs roughly $178 per year, $25 cheaper than a similar policy is in Billings.

Company
Annual Premium
Monthly Premium

Progressive

$191

$16

Progressive

$203

$17

Progressive

$231

$19

State Farm

$233

$19

State Farm

$252

$21

Nationwide

$262

$22

Nationwide

$279

$23

State Farm

$280

$23

Nationwide

$364

$30

GEICO

$379

$32

GEICO

$395

$33

GEICO

$412

$34

Progressive

$412

$34

Farmers

$438

$37

Progressive

$456

$38

Farmers

$488

$41

Allstate

$504

$42

Allstate

$512

$43

Allstate

$531

$44

Progressive

$539

$45

Farmers

$553

$46

State Farm

$613

$51

Kemper

$617

$51

Kemper

$650

$54

State Farm

$677

$56

State Farm

$749

$62

Nationwide

$781

$65

Kemper

$810

$68

Nationwide

$899

$75

Allstate

$985

$82

Allstate

$993

$83

Allstate

$1,046

$87

Farmers

$1,062

$89

Nationwide

$1,085

$90

GEICO

$1,179

$98

Farmers

$1,216

$101

GEICO

$1,230

$103

GEICO

$1,282

$107

Kemper

$1,315

$110

Farmers

$1,374

$115

Kemper

$1,531

$128

Kemper

$2,061

$172

In Montana, a minimum coverage policy only covers bodily injury liability and property damage liability.

The coverage limits required by Montana law are:

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

Minimum coverage policies only cover damages to a third party or their property. If you cause an accident, your policy will only cover medical costs for each injured party up to a maximum of $25,000 per person and no more than $50,000 per accident. The insurance policy will also only cover property damages up to a maximum of $20,000 per accident. You will be responsible for paying for any damages exceeding these limits.

Cheapest Full Coverage Car Insurance in Billings

The cheapest auto insurance companies in Billings for full coverage are:

  • Progressive: $456 per year
  • State Farm: $677 per year

Kemper is the most expensive company for full coverage, charging around $1,531 annually.

Although Progressive also offers Montana's cheapest full coverage car insurance overall at $400 annually as of October 2022, rates may vary depending on your location. Progressive's full coverage policy is $56 cheaper in Montana compared to average rates in Billings.

Company
Annual Premium
Monthly Premium

Progressive

$191

$16

Progressive

$203

$17

Progressive

$231

$19

State Farm

$233

$19

State Farm

$252

$21

Nationwide

$262

$22

Nationwide

$279

$23

State Farm

$280

$23

Nationwide

$364

$30

GEICO

$379

$32

GEICO

$395

$33

GEICO

$412

$34

Progressive

$412

$34

Farmers

$438

$37

Progressive

$456

$38

Farmers

$488

$41

Allstate

$504

$42

Allstate

$512

$43

Allstate

$531

$44

Progressive

$539

$45

Farmers

$553

$46

State Farm

$613

$51

Kemper

$617

$51

Kemper

$650

$54

State Farm

$677

$56

State Farm

$749

$62

Nationwide

$781

$65

Kemper

$810

$68

Nationwide

$899

$75

Allstate

$985

$82

Allstate

$993

$83

Allstate

$1,046

$87

Farmers

$1,062

$89

Nationwide

$1,085

$90

GEICO

$1,179

$98

Farmers

$1,216

$101

GEICO

$1,230

$103

GEICO

$1,282

$107

Kemper

$1,315

$110

Farmers

$1,374

$115

Kemper

$1,531

$128

Kemper

$2,061

$172

A full coverage policy will cost you more because it includes comprehensive and collision insurance.

  • Collision Insurance: Helps cover repair or replacement costs for damages sustained from a collision with another vehicle or object.
  • Comprehensive Insurance: This will cover repair or replacement costs for non-collision related damages, like theft, vandalism or weather-related incidents.

Full coverage insurance plans are typically the best option for new car owners who want to protect their investments. They may not be worth the additional cost for drivers with older or low-value vehicles.

Cheapest Car Insurance in Billings After a Driving Offense

In Billings, Progressive offers the cheapest full coverage policies to drivers with these violations:

  • Speeding ticket: Progressive ($602 per year)
  • At-fault accident: Progressive ($760 per year)
  • DUI: Progressive ($539 per year)

Kemper is the most expensive for drivers with speeding tickets or at-fault accidents, charging $1,787 and $2,139 per year, respectively. GEICO has the highest policy rate for those with DUI violations at $3,515 annually.

Driving violations can significantly raise your car insurance rates. Even the most affordable policies for drivers with poor records will still be more expensive than the cheapest policy for safe drivers.

Company
Annual Premium
Monthly Premium

Progressive

$239

$20

Progressive

$252

$21

State Farm

$262

$22

State Farm

$262

$22

Progressive

$264

$22

Progressive

$268

$22

Progressive

$277

$23

State Farm

$284

$24

State Farm

$284

$24

State Farm

$288

$24

Progressive

$294

$24

State Farm

$312

$26

State Farm

$315

$26

State Farm

$315

$26

Nationwide

$330

$28

Progressive

$345

$29

State Farm

$347

$29

Nationwide

$349

$29

Progressive

$370

$31

Progressive

$379

$32

Nationwide

$432

$36

Farmers

$438

$37

Nationwide

$439

$37

GEICO

$443

$37

Nationwide

$456

$38

GEICO

$461

$38

GEICO

$481

$40

Farmers

$488

$41

Progressive

$531

$44

Progressive

$539

$45

Nationwide

$546

$46

Farmers

$553

$46

Allstate

$567

$47

Nationwide

$568

$47

Nationwide

$571

$48

Allstate

$575

$48

Progressive

$591

$49

GEICO

$596

$50

Progressive

$602

$50

Allstate

$602

$50

GEICO

$615

$51

Progressive

$629

$52

GEICO

$634

$53

Kemper

$644

$54

State Farm

$678

$57

State Farm

$678

$57

Kemper

$679

$57

Nationwide

$682

$57

Progressive

$695

$58

Allstate

$698

$58

Farmers

$701

$58

Allstate

$706

$59

Farmers

$711

$59

Allstate

$723

$60

Allstate

$731

$61

State Farm

$737

$61

Farmers

$738

$62

Farmers

$740

$62

State Farm

$748

$62

State Farm

$748

$62

Allstate

$748

$62

Progressive

$760

$63

Farmers

$764

$64

Progressive

$770

$64

Kemper

$775

$65

Allstate

$776

$65

Kemper

$783

$65

Farmers

$805

$67

State Farm

$811

$68

State Farm

$828

$69

State Farm

$828

$69

Kemper

$848

$71

Progressive

$861

$72

Kemper

$884

$74

Kemper

$892

$74

State Farm

$899

$75

Kemper

$980

$82

Nationwide

$1,005

$84

Farmers

$1,062

$89

Allstate

$1,116

$93

Kemper

$1,118

$93

Nationwide

$1,129

$94

GEICO

$1,129

$94

Allstate

$1,134

$95

GEICO

$1,150

$96

Allstate

$1,183

$99

Farmers

$1,216

$101

GEICO

$1,233

$103

Nationwide

$1,323

$110

Nationwide

$1,325

$110

Farmers

$1,374

$115

GEICO

$1,376

$115

Kemper

$1,378

$115

Allstate

$1,387

$116

Allstate

$1,424

$119

Allstate

$1,430

$119

GEICO

$1,436

$120

Allstate

$1,465

$122

Allstate

$1,466

$122

Nationwide

$1,478

$123

GEICO

$1,496

$125

Allstate

$1,510

$126

Kemper

$1,583

$132

Kemper

$1,603

$134

Farmers

$1,612

$134

Farmers

$1,685

$140

Farmers

$1,691

$141

Nationwide

$1,703

$142

Nationwide

$1,722

$144

Farmers

$1,762

$147

Kemper

$1,787

$149

Farmers

$1,844

$154

GEICO

$1,855

$155

Nationwide

$1,857

$155

Kemper

$1,887

$157

GEICO

$1,915

$160

Farmers

$1,923

$160

GEICO

$1,974

$165

Nationwide

$2,102

$175

Kemper

$2,139

$178

Kemper

$2,162

$180

Kemper

$2,418

$202

Kemper

$2,911

$243

GEICO

$3,515

$293

GEICO

$3,581

$298

GEICO

$3,838

$320

In most cases, car insurance rates will increase based on the severity of the traffic offense. For example, Billings drivers with a speeding ticket violation pay an average of $1,139 for car insurance. At the same time, a policy after a DUI offense costs around $1,619, which is $480 more than the average premium for a driver with a speeding ticket. In general, it can be difficult to find cheap car insurance with poor records, especially if your driving offense is more severe.

Cheapest Car Insurance in Billings for Teens and Their Families

The most affordable auto insurance companies in Billings for teens on a family policy are:

  • Progressive: $1,658 per year
  • Allstate: $1,793 per year

Kemper charges the most expensive rates at around $7,532 per year to add a teen to a family policy.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$696

$1,491

State Farm

$830

$1,778

State Farm

$840

$2,032

State Farm

$884

$1,893

Progressive

$913

$1,118

Progressive

$913

$1,118

State Farm

$1,028

$1,491

Progressive

$1,053

$1,290

Progressive

$1,053

$1,290

Progressive

$1,082

$1,944

Progressive

$1,082

$1,944

Allstate

$1,089

$1,872

Allstate

$1,089

$1,872

Progressive

$1,134

$1,715

Progressive

$1,134

$1,715

Progressive

$1,170

$1,433

Progressive

$1,170

$1,433

Allstate

$1,185

$2,813

Allstate

$1,185

$2,813

Allstate

$1,210

$2,079

Allstate

$1,210

$2,079

State Farm

$1,226

$1,778

State Farm

$1,240

$2,032

Progressive

$1,243

$2,340

Progressive

$1,243

$2,340

Progressive

$1,246

$3,526

Progressive

$1,246

$3,526

Nationwide

$1,269

$2,249

Nationwide

$1,269

$2,249

Allstate

$1,285

$2,566

Allstate

$1,285

$2,566

State Farm

$1,305

$1,893

Progressive

$1,345

$2,417

Progressive

$1,345

$2,417

Allstate

$1,347

$2,315

Allstate

$1,347

$2,315

State Farm

$1,358

$2,179

State Farm

$1,358

$2,179

Allstate

$1,358

$6,899

Allstate

$1,358

$6,899

GEICO

$1,407

$2,875

GEICO

$1,407

$2,875

Nationwide

$1,410

$3,100

Nationwide

$1,410

$3,100

Allstate

$1,480

$4,187

Allstate

$1,480

$4,187

Allstate

$1,490

$3,537

Allstate

$1,490

$3,537

Nationwide

$1,503

$2,936

Nationwide

$1,503

$2,936

Nationwide

$1,511

$2,677

Nationwide

$1,511

$2,677

Nationwide

$1,572

$5,350

Nationwide

$1,572

$5,350

Nationwide

$1,574

$2,788

Nationwide

$1,574

$2,788

Progressive

$1,582

$4,480

Progressive

$1,582

$4,480

State Farm

$1,599

$2,909

State Farm

$1,599

$2,909

State Farm

$1,627

$2,612

State Farm

$1,627

$2,612

Progressive

$1,658

$6,074

Progressive

$1,658

$6,074

GEICO

$1,663

$3,396

GEICO

$1,663

$3,396

Nationwide

$1,765

$6,005

Nationwide

$1,765

$6,005

State Farm

$1,776

$3,310

State Farm

$1,776

$3,310

Allstate

$1,793

$11,194

Allstate

$1,793

$11,194

Farmers

$1,794

$3,105

Farmers

$1,794

$3,105

Allstate

$1,818

$9,237

Allstate

$1,818

$9,237

Nationwide

$1,820

$4,680

Nationwide

$1,820

$4,680

GEICO

$1,867

$3,813

GEICO

$1,867

$3,813

Nationwide

$1,922

$4,227

Nationwide

$1,922

$4,227

GEICO

$1,926

$5,652

GEICO

$1,926

$5,652

State Farm

$1,948

$3,631

State Farm

$1,948

$3,631

State Farm

$1,975

$4,103

State Farm

$1,975

$4,103

Nationwide

$1,990

$8,960

Nationwide

$1,990

$8,960

GEICO

$2,029

$6,138

GEICO

$2,029

$6,138

GEICO

$2,239

$9,714

GEICO

$2,239

$9,714

Farmers

$2,309

$2,588

Farmers

$2,309

$2,588

Farmers

$2,357

$2,642

Farmers

$2,357

$2,642

GEICO

$2,385

$8,148

GEICO

$2,385

$8,148

Farmers

$2,431

$2,919

Farmers

$2,431

$2,919

GEICO

$2,432

$7,356

GEICO

$2,432

$7,356

Kemper

$2,450

$2,769

Kemper

$2,450

$2,769

Farmers

$2,454

$2,751

Farmers

$2,454

$2,751

GEICO

$2,483

$10,771

GEICO

$2,483

$10,771

Farmers

$2,512

$8,360

Farmers

$2,512

$8,360

Kemper

$2,585

$2,921

Kemper

$2,585

$2,921

Farmers

$2,635

$5,570

Farmers

$2,635

$5,570

GEICO

$2,643

$13,911

GEICO

$2,643

$13,911

Kemper

$2,728

$3,469

Kemper

$2,728

$3,469

Kemper

$2,807

$3,172

Kemper

$2,807

$3,172

Farmers

$2,853

$9,494

Farmers

$2,853

$9,494

Farmers

$2,892

$5,004

Farmers

$2,892

$5,004

Farmers

$3,147

$13,561

Farmers

$3,147

$13,561

Kemper

$3,623

$3,930

Kemper

$3,623

$3,930

Kemper

$4,656

$6,039

Kemper

$4,656

$6,039

Kemper

$4,777

$5,181

Kemper

$4,777

$5,181

Kemper

$5,591

$6,880

Kemper

$5,591

$6,880

Kemper

$6,913

$8,506

Kemper

$6,913

$8,506

Kemper

$7,532

$12,417

Kemper

$7,532

$12,417

Adding a teenage driver to a family car insurance policy is much more cost-effective than purchasing an individual policy. For instance, the cheapest car insurance for teens in Billings, when added to a family policy, costs an average of $2,899. The average price of a standalone teen policy is $6,100 per year — a difference of $3,201.

Cheapest Car Insurance in Billings for Military Drivers

The most affordable full coverage auto insurers in Billings for active or veteran military families are:

  • Progressive: $456 per year
  • USAA: $542 per year

USAA provides the most affordable rates for minimum coverage, with an average cost of $163 per year, followed by Progressive at $203 per year.

If you are looking for cheap military car insurance, USAA may be the best provider since it tailors its services to suit drivers with military backgrounds.

Company
Annual Premium
Monthly Premium

USAA

$163

$14

USAA

$179

$15

USAA

$189

$16

Progressive

$191

$16

Progressive

$203

$17

Progressive

$231

$19

State Farm

$233

$19

State Farm

$252

$21

Nationwide

$262

$22

Nationwide

$279

$23

State Farm

$280

$23

Nationwide

$364

$30

GEICO

$379

$32

GEICO

$395

$33

GEICO

$412

$34

Progressive

$412

$34

Farmers

$438

$37

Progressive

$456

$38

Farmers

$488

$41

Allstate

$504

$42

Allstate

$512

$43

Allstate

$531

$44

USAA

$534

$45

Progressive

$539

$45

USAA

$542

$45

Farmers

$553

$46

State Farm

$613

$51

Kemper

$617

$51

Kemper

$650

$54

USAA

$664

$55

State Farm

$677

$56

State Farm

$749

$62

Nationwide

$781

$65

Kemper

$810

$68

Nationwide

$899

$75

Allstate

$985

$82

Allstate

$993

$83

Allstate

$1,046

$87

Farmers

$1,062

$89

Nationwide

$1,085

$90

GEICO

$1,179

$98

Farmers

$1,216

$101

GEICO

$1,230

$103

GEICO

$1,282

$107

Kemper

$1,315

$110

Farmers

$1,374

$115

Kemper

$1,531

$128

Kemper

$2,061

$172

How to Compare Cheap Billings Car Insurance Quotes Online

Entering the personal information required to get an auto insurance quote can take up to 15 minutes. It can take even longer if you want to compare rates from several companies.

Getting a quote with MoneyGeek's car insurance calculator is quick and easy. You just need to provide your age, vehicle type, coverage level and driving record.

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USAA

Best Car Insurance in Billings: Summary

The best car insurance provider for you can vary depending on the importance you assign to factors like cost, quality of service and other relevant considerations.

These are our top choices for car insurance in Billings based on various factors:

  • Best overall: Progressive (MoneyGeek score 74 out of 100)
  • Best for service: State Farm (MoneyGeek score 58 out of 100)
  • Best cheap: Progressive (MoneyGeek score 78 out of 100)

An insurer's overall MoneyGeek score may vary based on how factors are weighted in each category.

In addition to being MoneyGeek’s best pick for best overall and best cheap coverage in Billings, Progressive is also our choice for the best auto insurance company in Montana, with a MoneyGeek score of 89 out of 100. USAA is the top insurer for drivers with a military background, with a MoneyGeek score of 82 out of 100.

Best Overall Car Insurance in Billings

The best car insurance companies in Billings are:

  • Progressive: MoneyGeek score 74 out of 100 ($456 per year)
  • State Farm: MoneyGeek score 70 out of 100 ($677 per year)

Out of the insurance companies analyzed in our study, Progressive came out on top for affordability and tied for first place in claims and coverage. This means that policyholders can count on receiving quality coverage at affordable rates from this provider. Progressive's exceptional score in claims experience indicates that the company has a solid track record of honoring claims.

If you have a military background, USAA is Billings' best car insurance provider, with an overall MoneyGeek score of 82 out of 100.

Progressive

pros

Ranked first in affordability.

High scores for customer satisfaction and coverage.

Offers custom parts coverage.

cons

Doesn’t offer new or better car replacement coverage

COMPANY HIGHLIGHTS

Progressive is the most affordable car insurance provider in Billings, as well as the best provider overall. The insurer boasts high scores for customer satisfaction and essential coverages.

Optional custom parts coverage is available to policyholders to cover damages to after-market parts, such as custom wheels, body kits or graphics. You can add pet coverage to your policy to compensate for any injuries to a pet in a collision up to a specified limit.

Essential coverages, like roadside assistance, are also available to provide emergency services like towing, gas delivery or mechanical labor. Progressive also provides rental or travel reimbursement to cover expenses incurred while your car is in the shop.

Read MoneyGeek's Progressive Auto Insurance Review

Best Car Insurance in Billings for Customer Service

We excluded cost from our scoring system and found that the best auto insurance companies in Billings for customer service are:

  • State Farm: MoneyGeek score 58 out of 100 ($677 per year)
  • GEICO: MoneyGeek score 57 out of 100 ($1,179 per year)

State Farm earned the highest customer satisfaction score among its competitors in Billings. The provider was also the second cheapest in the city, offering an outstanding balance of affordable rates and quality service for policyholders.

State Farm

pros

Excellent customer satisfaction

High affordability score

Offers essential coverages

cons

Below-average claims rating

COMPANY HIGHLIGHTS

State Farm ranked first in customer satisfaction among the analyzed car insurance providers in Billings. While the company may have few unique coverage options, policyholders can still secure essential coverages.

State Farm provides roadside assistance coverage, which pays for emergency roadside services such as mechanical labor and towing as well as gas, oil or battery delivery if your vehicle breaks down. Keep in mind that this coverage only pays for the cost of the service, not the cost of any new parts needed.

Policyholders can add rental car or travel reimbursement coverage to their policy. This coverage can be helpful if your vehicle is deemed inoperable and needs repairs, as it will cover travel expenses incurred while your car is being fixed.

Read MoneyGeek's State Farm Auto Insurance Review

Best Cheap Car Insurance Companies in Billings

Based on our analysis of affordability and service quality for minimum coverage policies, the best cheap car insurance providers in Billings are:

  • Progressive: MoneyGeek score 78 out of 100 ($203 per year)
  • State Farm: MoneyGeek score 74 out of 100 ($252 per year)

If you are on a budget, minimum coverage policies have the cheapest premiums. However, they also offer the least amount of liability coverage and won’t cover any damages to your vehicle after an accident.

Progressive

pros

Most affordable minimum coverage at $203 per year

Offers safe driving, multiple car and automatic payment discounts

Ranked first for affordability and coverage

cons

Below-average claims rating

COMPANY HIGHLIGHTS

Progressive is highly rated for affordability and coverage, making it the best option for drivers in Billings looking for quality coverage at the lowest rates.

Although Progressive is the most affordable option in Billings, policyholders can save even more by taking advantage of the discounts offered. Customers can save money on premiums by bundling policies or insuring multiple cars. Students who earn good grades can also take advantage of a good student discount, while drivers with a clean record for at least three years are eligible for a safe driving discount.

Progressive offers additional unique discounts to help policyholders save even more, including an online sign-up discount for those who sign their policy online and a homeowner's discount for those who own their homes.

Read MoneyGeek's Progressive Auto Insurance Review

Average Cost of Car Insurance in Billings

The average cost of car insurance in Billings is about $992 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability.

Drivers in Billings pay roughly $17 more than the average car insurance rate in Montana, which is $975 per year as of October 2022. However, rates for Billings drivers are still $273 less than the national average cost of car insurance at $1,265 per year. Although it's not the only factor insurance companies consider, your location can significantly impact your policy cost.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.