Finding cheap car insurance in Billings can depend on various factors, including the insurance company you choose to work with, type of policy you choose, and your driving history and experience. To find reliable, accurate car insurance quotes in Billings, you should get personalized quotes based on your insurance requirements.
Compare the Cheapest Car Insurance Quotes in Billings, MT
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Average Cost of Car Insurance in Billings
Billings$1,216
Montana$1,216
U.S.$1,424
The average annual cost of car insurance in Billings is $1,216, which is on par with the state average and slightly lower than the national average of $1,424. Drivers in Billings typically spend 14.6% less than the national average on their insurance premiums.
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The Best Cheap Car Insurance Companies in Billings
For many drivers, USAA is the least expensive car insurance in Billings. However, USAA only offers its services to military families and past and present members of the military. The second most affordable car insurance company in Billings is State Farm. For most drivers, a State Farm policy would cost less than half as much as a policy with MetLife, the city’s most expensive car insurance company.
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- CompanyAmountper year
- 1. USAA$517
- 2. State Farm$751
- 3. Allstate$1,012
- 4. GEICO$1,058
- 5. Allied$1,084
Personalized Quotes to Get You the Cheapest Car Insurance in Billings
To provide customized car insurance quotes in Billings, companies look at various factors to assess driver risk. Factors like age, make and model of the vehicle, driving experience and level of coverage can determine how much you have to pay. For example, an 18-year-old driver in Billings could pay an extra $2,283 on average for a GEICO policy compared to a 40-year-old driver. To get the best deal for your current situation, ask insurance companies for personalized quotes regularly. You may qualify for discounts, rebates or other savings as your circumstances change.
Compare Car Insurance Rates in Billings
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Billings by Coverage Amount
How much car insurance coverage you purchase in Billings also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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Montana Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
Car insurance companies in Billings offer plans meant to provide different types and levels of coverage. For example, State Farm offers both liability-only and full-coverage 50/100/50 plans. These numbers mean the plans can cover a maximum amount of $50,000 in medical costs for each individual involved, $100,000 max for the accident and $50,000 max for property damage repair. For liability-only plans, it is limited to the other party’s vehicle, while full-coverage policies would also include your vehicle.
You can get a full-coverage policy in Billings by paying, on average, an extra $232 per year over the liability-only rate. An extra average $412 per year over the state minimum cost can also get you access to a full-coverage 100/300/100 policy. The benefits of the additional coverage might make these options worthwhile for you.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$181$206
- 2. State Farm$338$413
- 3. GEICO$401$468
- 4. Allstate$543$605
- 5. Allied$646$721
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$483$517
- 2. State Farm$645$751
- 3. GEICO$947$1,058
- 4. Allstate$938$1,012
- 5. Allied$1,011$1,084
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Cheapest Car Insurance in Billings if You Have Tickets
Traffic violations can cause a significant rise in insurance premiums. In Billings, GEICO policyholders with speeding tickets pay an average of $176 for their insurance than drivers with a clean record. Similarly, drivers with at-fault accidents on their records pay an average of $568, while those with DUI violations could pay an average of $1,940.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$672$700$1,021
- 2. State Farm$807$864$807
- 3. Allstate$1,141$1,348$1,405
- 4. Progressive$1,505$1,933$1,780
- 5. Allied$1,439$1,827$2,128
Average Cost of Car Insurance by Postal Code
Car insurance costs can differ by ZIP code, depending on the number of accidents and car thefts. In Billings, there may be little impact on your insurance premiums. Price variation for insurance across ZIP codes is about $9 from neighborhood to neighborhood.
- Zip CodeState Minimumper year
- 59105$1,211
- 59102$1,217
- 59101$1,219
Insurance Providers That Serve Billings
Factors That Impact Insurance Costs in Billings
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Billings. How Billings ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Billings could save you $465, which is enough to buy:
155Cups of Coffee
36Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Billings are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Billings
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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