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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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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.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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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.

Visit these guides to learn more:

Montana Minimum Liability Requirements

  • Item
    Description
  • 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
Full Coverage
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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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
    $672
    $700
    $1,021
  • $807
    $864
    $807
  • $1,141
    $1,348
    $1,405
  • $1,505
    $1,933
    $1,780
  • 5. Allied
    $1,439
    $1,827
    $2,128
  • $1,689
    $1,914
    $1,847
  • $1,234
    $1,626
    $2,998
  • $2,564
    $2,776
    $4,057

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 Code
    State Minimumper year
  • 59105
    $1,211
  • 59102
    $1,217
  • 59101
    $1,219

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.

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Most Accidents With Fatalities34th/300
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Most Car Thefts285th/300
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Most Uninsured Motorists by State33rd/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall244th/300
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Most Rainy Days159th/300

Shopping around for car insurance in Billings could save you $465, which is enough to buy:


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155Cups of Coffee
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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.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.