Billings, MT Auto Insurance (2024)
The average Billings, MT auto insurance rates are $268 per month. The minimum auto insurance in Billings is at least 25/50/20 in coverage to comply with Montana auto insurance laws. To find the best cheap auto insurance in Billings, Montana, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Billings for teen drivers is Allstate
- Average auto insurance rates in Billings, MT for senior drivers are $2,049 per year
- The average commute length in Billings is 17.6 minutes
Billings, Montana auto insurance requirements are 25/50/20 according to Montana auto insurance laws. Finding cheap auto insurance in Billings can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Billings, Montana, including driving record, credit, commute time, and more.
Compare auto insurance in Billings to other Montana cities, including Belgrade auto insurance rates, Kalispell auto insurance rates, and Butte-Silver Bow auto insurance rates to see how Billings, Montana auto insurance rates stack up.
Before you buy Billings, Montana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Billings, Montana auto insurance quotes.
Minimum Auto Insurance in Billings, Montana
Billings, Montana auto insurance laws require that you have at least the Montana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Billings, Montana.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Cheap Billings, Montana Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Billings, Montana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,660 | $2,660 | $2,446 | $2,446 | $10,348 | $10,348 | $2,861 | $2,861 |
| Farmers | $2,831 | $2,831 | $2,530 | $2,530 | $7,900 | $7,900 | $3,109 | $3,109 |
| Geico | $2,704 | $2,527 | $2,639 | $2,407 | $6,588 | $6,132 | $2,318 | $2,112 |
| Liberty Mutual | $943 | $943 | $925 | $925 | $2,084 | $2,084 | $1,154 | $1,154 |
| Nationwide | $2,696 | $2,696 | $2,465 | $2,465 | $5,491 | $5,491 | $2,855 | $2,855 |
| Progressive | $3,162 | $3,162 | $2,883 | $2,883 | $7,938 | $7,938 | $3,567 | $3,567 |
| State Farm | $1,610 | $1,610 | $1,436 | $1,436 | $4,972 | $4,972 | $1,754 | $1,754 |
| USAA | $1,312 | $1,312 | $1,180 | $1,180 | $4,440 | $4,440 | $1,624 | $1,624 |
Cheap Billings, Montana Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Billings, Montana is a challenge. Take a look at the annual teen auto insurance rates in Billings, Montana.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,348 | $10,348 |
| Farmers | $7,900 | $7,900 |
| Geico | $6,588 | $6,132 |
| Liberty Mutual | $2,084 | $2,084 |
| Nationwide | $5,491 | $5,491 |
| Progressive | $7,938 | $7,938 |
| State Farm | $4,972 | $4,972 |
| USAA | $4,440 | $4,440 |
Cheap Billings, Montana Auto Insurance for Seniors
What are senior auto insurance rates in Billings, Montana? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,446 | $2,446 |
| Farmers | $2,530 | $2,530 |
| Geico | $2,639 | $2,407 |
| Liberty Mutual | $925 | $925 |
| Nationwide | $2,465 | $2,465 |
| Progressive | $2,883 | $2,883 |
| State Farm | $1,436 | $1,436 |
| USAA | $1,180 | $1,180 |
Cheap Billings, Montana Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Billings, Montana compared to the annual auto insurance rates with a clean record in Billings, Montana.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,840 | $4,547 | $5,532 | $4,395 |
| Farmers | $3,588 | $4,656 | $4,538 | $3,588 |
| Geico | $2,205 | $3,488 | $5,386 | $2,634 |
| Liberty Mutual | $856 | $1,527 | $1,527 | $1,196 |
| Nationwide | $2,469 | $3,531 | $4,535 | $2,972 |
| Progressive | $3,762 | $4,921 | $4,679 | $4,189 |
| State Farm | $2,246 | $2,640 | $2,443 | $2,443 |
| USAA | $1,600 | $2,004 | $3,001 | $1,952 |
Cheap Billings, Montana Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Billings, Montana is not easy. Compare the annual rates for DUI auto insurance in Billings, Montana to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,532 |
| Farmers | $4,538 |
| Geico | $5,386 |
| Liberty Mutual | $1,527 |
| Nationwide | $4,535 |
| Progressive | $4,679 |
| State Farm | $2,443 |
| USAA | $3,001 |
Cheap Billings, Montana Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Billings, Montana annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,532 | $4,432 | $3,772 |
| Farmers | $4,809 | $3,844 | $3,624 |
| Geico | $5,401 | $2,879 | $2,005 |
| Liberty Mutual | $1,277 | $1,277 | $1,277 |
| Nationwide | $4,240 | $3,101 | $2,790 |
| Progressive | $5,257 | $4,080 | $3,827 |
| State Farm | $3,514 | $2,138 | $1,677 |
| USAA | $2,862 | $1,960 | $1,595 |
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Cheap Billings, Montana Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Billings, Montana can vary. Compare the annual cost of auto insurance by ZIP code in Billings, Montana to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 59101 | $3,299 |
| 59102 | $3,294 |
| 59105 | $3,275 |
| 59106 | $3,291 |
Cheap Billings, Montana Auto Insurance Rates By Commute
Commute length and annual mileage affect Billings, Montana auto insurance. Find the cheapest annual Billings, Montana auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,470 | $4,687 |
| Farmers | $4,092 | $4,092 |
| Geico | $3,368 | $3,489 |
| Liberty Mutual | $1,277 | $1,277 |
| Nationwide | $3,377 | $3,377 |
| Progressive | $4,388 | $4,388 |
| State Farm | $2,371 | $2,515 |
| USAA | $2,114 | $2,164 |
Cheap Billings, Montana Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Billings, Montana? Check out the comparison of annual Billings, Montana auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,355 | $4,568 | $4,813 |
| Farmers | $3,802 | $4,088 | $4,387 |
| Geico | $3,248 | $3,396 | $3,641 |
| Liberty Mutual | $1,175 | $1,281 | $1,374 |
| Nationwide | $2,568 | $3,594 | $3,969 |
| Progressive | $4,110 | $4,375 | $4,677 |
| State Farm | $2,279 | $2,434 | $2,615 |
| USAA | $2,031 | $2,127 | $2,260 |
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Best By Category: Cheapest Auto Insurance in Billings, Montana
Compare the cheapest auto insurance companies in Billings, Montana in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | Liberty Mutual |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Liberty Mutual |
The Cheapest Billings, Montana Auto Insurance Companies
What auto insurance companies in Billings, Montana are the cheapest? Compare the top Billings, Montana auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,579 |
| Farmers | $4,092 |
| Geico | $3,428 |
| Liberty Mutual | $1,277 |
| Nationwide | $3,377 |
| Progressive | $4,388 |
| State Farm | $2,443 |
| USAA | $2,139 |
What affects auto insurance rates in Billings, Montana?
There are a lot of reasons why auto insurance rates in Billings, Montana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Billings, Montana. Many local factors may affect your Billings auto insurance rates.
Billings Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Billings, Montana auto theft statistics, there have been 795 auto thefts in the city.
Billings Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Billings, Montana commute length is 17.6 minutes according to City-Data.
Billings Traffic
How does Billings, Montana rank for traffic? According to Inrix Billings, Montana is the 701st most congested worldwide.
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Compare Billings, Montana Auto Insurance Quotes
Before you buy Billings, Montana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Billings, Montana auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection for drivers in the event of an accident, theft, or damage to their vehicle. It typically includes liability coverage, which pays for damages and injuries caused to others, as well as coverage for the insured driver’s vehicle.
Is auto insurance mandatory in Billings, MT?
Yes, auto insurance is mandatory in Billings, MT, as it is in most states. Montana law requires all drivers to carry a minimum amount of auto insurance coverage to legally operate a vehicle on the roads.
What are the minimum auto insurance requirements in Billings, MT?
In Billings, MT, drivers must carry at least the following minimum amounts of auto insurance coverage:
- $25,000 per person and $50,000 per accident for bodily injury liability.
- $20,000 for property damage liability.
- $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage.
Can I purchase additional coverage beyond the minimum requirements?
Yes, you can purchase additional coverage beyond the minimum requirements. It’s often recommended to consider purchasing higher liability limits, comprehensive and collision coverage, medical payments coverage, and other optional coverages to enhance your financial protection in case of an accident or other incidents.
How are auto insurance rates determined in Billings, MT?
Auto insurance rates in Billings, MT, are determined by several factors, including your driving record, age, gender, type of vehicle, coverage limits, deductible amounts, and the insurance company you choose. Insurance providers also consider local factors such as the frequency of accidents and thefts in the area.
Are there any discounts available for auto insurance in Billings, MT?
Yes, many insurance companies offer various discounts that can help you save on your auto insurance premiums in Billings, MT. Common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for having certain safety features on your vehicle. It’s best to check with different insurers to see which discounts they offer.
What should I do after a car accident in Billings, MT?
After a car accident in Billings, MT, you should take the following steps:
- Ensure everyone’s safety and call for emergency medical assistance if needed.
- Exchange contact and insurance information with the other driver(s) involved.
- Document the accident scene by taking photos and gathering witness statements, if possible.
- Report the accident to your insurance company as soon as possible.
- Cooperate with the insurance claims process and provide all necessary documentation and information.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.