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.
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.
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.
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.
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.
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.
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.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
Click an insurer below to visit their review page or continue to your personalized quote.
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.
Ranked first in affordability.
High scores for customer satisfaction and coverage.
Offers custom parts coverage.
Doesn’t offer new or better car replacement coverage
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.
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.
Excellent customer satisfaction
High affordability score
Offers essential coverages
Below-average claims rating
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.
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.
Most affordable minimum coverage at $203 per year
Offers safe driving, multiple car and automatic payment discounts
Ranked first for affordability and coverage
Below-average claims rating
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.
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