The cost of a full coverage car insurance policy in Billings is $1,903 per year. That’s virtually the same as average for the state of Montana. We found that insurance costs in Billings are only $1 more expensive per year than the average in the entire state.
If you want to find a low rate on your car insurance, shop around so you can compare several quotes. Policygenius helps make it easy to compare quotes from multiple insurers so you can compare options before picking a policy.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Billings, MT
What you pay for car insurance depends on how old you are, your driving record, your car, and your credit history. But every insurance company has its own way of setting rates, so you can get two different rates from two companies for the same coverage.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $866 | 890 |
State Farm | $1,008 | 882 |
Progressive | $1,044 | 861 |
General Casualty Company of Wisconsin | $1,088 | -- |
GEICO | $1,285 | 874 |
Cheapest car insurance rates by ZIP code in Billings, MT
The street where you live can also impact your car insurance rates. Insurance companies use ZIP codes to figure out the risks of owning a car in your area. They look at variables including access to secure parking versus riskier on-street parking, rates of theft and vandalism, and the number of accidents and traffic tickets issued on streets in your neighborhood.
ZIP code | Average cost |
|---|---|
59105 | $1,893 |
59102 | $1,903 |
59106 | $1,906 |
59101 | $1,911 |
Choosing the right car insurance company in Billings, MT
Finding the right car insurance company for your needs might seem difficult, but it comes down to several key factors.
Price: You have to get quotes from multiple companies to see which has the best rate for you.
Coverage: You must meet the state minimums, but beyond that, how much insurance you choose is up to you. The more the better though, since higher limits means more protection.
Service: Check customer service ratings and claims satisfaction scores before picking a company.
Policygenius takes the pain out of comparing car insurance companies by giving you quotes from multiple insurers at once.
Car insurance rates for drivers with driving violations in Billings, MT
Driving violations will have a negative impact on your car insurance rates. Speeding tickets and moving violations increase your premiums, especially if you have more than one on your record. The more violations you have on your driving record, the more you will end up paying for your car insurance.
Violation | USAA | State Farm | Progressive | General Casualty Company of Wisconsin | GEICO |
|---|---|---|---|---|---|
At-fault accident | $1,217 | $1,181 | $1,595 | $1,864 | $1,918 |
DUI | $1,796 | $1,100 | $1,225 | $2,181 | $3,635 |
Suspended license | $1,697 | $1,100 | $1,519 | $2,318 | $1,423 |
Open container | $1,268 | $1,100 | $1,402 | $2,181 | $1,423 |
Expired registration | $1,201 | $1,100 | $1,402 | $1,600 | $1,285 |
Driving without lights | $1,201 | $1,100 | $1,402 | $1,600 | $1,423 |
Running a red light | $1,201 | $1,100 | $1,402 | $1,600 | $1,423 |
Following too closely | $1,201 | $1,100 | $1,402 | $1,600 | $1,423 |
Hit and run | $1,890 | $1,100 | $1,519 | $2,318 | $3,635 |
Not-at-fault accident | $917 | $1,027 | $1,061 | $1,265 | $1,353 |
Passing a school bus | $1,268 | $1,100 | $1,402 | $2,318 | $1,423 |
Reckless driving | $1,268 | $1,100 | $1,519 | $2,318 | $2,537 |
Speeding | $1,201 | $1,100 | $1,359 | $2,181 | $1,423 |
Cheapest car insurance for drivers with a DUI in Billings, MT
The average annual rate for people with a clean driving record in Billing is $1,903, but drivers with a DUI or DWI are charged higher rates for car insurance. Drivers in Montana pay an average of $3,260 per year for car insurance with a DUI on their record, which is 71% higher than the average insurance rate.
But drivers in Billings can save money on car insurance, even with a DUI on their record, by comparing quotes from multiple companies. According to our research, the companies with the lowest rates for drivers with a DUI in Billings are State Farm, Progressive, and USAA.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,100 |
Progressive | $1,225 |
USAA | $1,796 |
General Casualty Company of Wisconsin | $2,181 |
GEICO | $3,635 |
Cheapest car insurance for drivers with a speeding ticket in Billings, MT
Drivers in Billings with a speeding ticket on their record will also see their insurance rates go up. The average annual car insurance rate for a Billings resident with a speeding ticket on their record is $2,813 per year.
Billings drivers with a speeding ticket on their record can still find lower rates by comparing quotes from multiple companies. We found that State Farm, USAA, and Progressive have the lowest rates in Billings for drivers with a speeding ticket.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,100 |
USAA | $1,201 |
Progressive | $1,359 |
GEICO | $1,423 |
General Casualty Company of Wisconsin | $2,181 |
Cheapest car insurance for drivers with bad credit in Billings, MT
Your credit history also plays a big part in your rates when it comes to car insurance. If you have a lower credit score, then your rates will be higher.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,660 |
General Casualty Company of Wisconsin | $1,725 |
USAA | $1,813 |
Progressive | $1,815 |
State Farm | $2,114 |
Buying car insurance in Billings, MT
You are required to have car insurance in Montana with minimum coverage amounts of:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $20,000
Driving without insurance could mean penalties like fines or even jail time. It could also leave you on the hook for expensive bills after an accident.
How to get cheap car insurance in Billings, MT
Drive safely: Avoid traffic violations and tickets to get a better insurance rate.
Keep good credit: A history of bad credit will result in higher car insurance rates.
Compare policies: Get multiple quotes to compare insurance companies.
Get a discount: Ask about discounts for members of the military, low-mileage drivers, safe drivers, good students, and members of professional organizations. This includes discounts for firefighters, teachers, and law enforcement.
Bundle policies: If you have other insurance policies, using the same company for your car insurance could lower all your rates.
Frequently asked questions
Who has the cheapest car insurance rates in Billings?
USAA has the cheapest car insurance in Billings with an average cost of $866 per year. State Farm has the cheapest rates of any company that insures the general public, at $1,008 per year.
How can I save money on my car insurance in Billings?
You’ll save money by avoiding accidents and tickets and keeping your credit rating high.
Is Montana a no-fault state?
Montana is an at-fault state, which means the insurance of the driver who is at-fault for an accident will pay the expenses of everyone.
Does Montana require car insurance?
Yes. Montana requires a minimum of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons, and $20,000 for property damage liability per accident.
