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Cheapest car insurance in Billings, Montana (Nov 2024)
Cheapest car insurance in Billings, Montana (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Billings, Montana.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance quotes in Billings
- Best car insurance companies in Billings
- Best cheap car insurance quotes in Billings
- Average cost of car insurance in Billings by zip code
- Car insurance quotes in Billings by rating factors
- How do different factors impact your car insurance costs in Billings?
- Cheap car insurance quotes in Billings after driving violations
- Cheap car insurance quotes in Billings by age
- Cheap car insurance quotes in Billings based on insurance history
- Cheap car insurance quotes in Billings for popular cars
- How to lower car insurance costs in Billings
- FAQ
- Methodology
- Meet our experts
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How to find the cheapest car insurance quotes in Billings
On average,
auto insurance
in Billings costs about $57 per month for minimum coverage liability insurance, and about $133 per month for full coverage insurance—both of which are higher than the state and national averages. Coverage type | Billings, MT | MT | United States |
|---|---|---|---|
State minimum | $57 | $45 | $77 |
Full coverage | $133 | $124 | $165 |
Smart car insurance shoppers in Billings, Montana come to Jerry every month because Jerry makes it easy for customers to
compare and buy car insurance policies
. Below are some of the cheapest car insurance quotes Jerry found for our Billings customers. 
Cheapest car insurance companies in Billings, Montana
Cheapest car insurance companies in Billings, Montana
Overall standout: Bristol West
$59/month for liability-only
$133/month for full coverage
Best for minimum coverage: Direct Auto
$38/month on average
Best for full coverage: Clearcover
$98/month on average
Best car insurance companies in Billings
There is no single best car insurance company for everyone. Every customer gets different
car insurance quotes
based on their profile—meaning that the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service. To help drivers better compare the cheapest car insurance companies, Jerry conducted the industry’s largest nationwide survey to determine which car insurance companies offer the best rates in Montana.
Insurance company | Monthly minimum cost | Monthly full coverage cost | Cost rating | Overall Jerry score |
|---|---|---|---|---|
$59 | $126 | 4.0 | 4.4 | |
$62 | $130 | 4.5 | 4.3 | |
$51 | $147 | 4.0 | 4.2 | |
$53 | $145 | 3.8 | 4.2 | |
$59 | $133 | 4.2 | 4.5 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Billings
In Montana, all drivers must carry
minimum liability coverage
. That means it’s also the minimal amount of car insurance you need to have in Billings and gives you the cheapest rate. But depending on your circumstances and preference, you may opt to carry higher liability limits or full coverage car insurance to offer greater protection for you and your vehicle.
Cheap minimum liability insurance quotes in Billings
To drive legally in Billings , you must meet
Montana’s minimum liability insurance requirements
. Those include: - $25,000 per person / $50,000 per accident in bodily injury liability coverage
- $20,000 per accident in property damage liability coverage
These coverages are commonly referred to as 25/50/20 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving. But it does not cover your personal medical expenses or damages if you are at fault.
Jerry has helped Billings car owners find the best rates on minimum liability coverage—and here are some of the most affordable companies.
Insurance company | Monthly minimum coverage cost |
|---|---|
$99 | |
$59 | |
$62 | |
$51 | |
$53 | |
$64 | |
$80 | |
$59 |
Do you need more than minimum coverage in Billings?
Montana’s 25/50/20 minimum liability insurance may not be enough to cover the costs of an at-fault accident in Billings.
For example, the minimum amount of property damage coverage—that is, $20,000—can quickly get exhausted in a multiple-vehicle collision or if you cause damage to a new or luxury vehicle. Similarly, an accident that injures multiple drivers can quickly deplete your $50,000 limit for bodily injury coverage.
Put simply, once your insurance limits have been exhausted, your provider won’t offer additional assistance for accident-related expenses. This means that you may be responsible for covering any remaining costs out-of-pocket—so it’s worth investing in extra coverage.
And keep in mind that
Montana's car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident! The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Billings
To protect yourself against expenses associated with repairing or replacing your vehicle,
full coverage car insurance
is the only option.Full coverage typically includes
comprehensive
and collision coverage
, in addition to your state's minimum liability limits:- Collision coverage helps cover the costs of repairs to your vehicle following an accident.
- Comprehensive coverage handles costs associated with non-collision incidents, such as theft, vandalism, or weather damage.
If you want to safeguard your finances from steep accident expenses, you want full-coverage car insurance. Repairing or replacing your vehicle can cost thousands of dollars, but it doesn’t have to come out of your wallet if you have adequate coverage.
Drivers can choose to enhance their insurance protection by purchasing additional coverages for an extra premium. Popular insurance add-ons in Montana include:
The table below shows some recent examples of cheapest Billings full coverage quotes that Jerry’s agents helped our customers find.
Insurance company | Monthly full coverage cost |
|---|---|
$214 | |
$126 | |
$130 | |
$191 | |
$147 | |
$145 | |
$174 | |
$133 |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Billings by zip code
Where you live can also impact your insurance premium—right down to your zip code. Insurance companies consider factors like population density, accident rates, crime statistics, and local weather conditions when calculating your premium.
Insurance companies consider factors such as population density, crime rates, traffic congestion, weather, and the frequency of accidents in a particular area.
ZIP code | Average monthly cost |
|---|---|
59106 | $99 |
59102 | $109 |
59105 | $114 |
59101 | $119 |
Car insurance quotes in Billings by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Billings?
How do different factors impact your car insurance costs in Billings?
Allowed (with applicable limitations): Age, driving experience, credit history, occupation, employment Status, zip code, insurance history
Prohibited (or effectively prohibited): Gender, education, marital status
Learn more about the car insurance rating factors in Billings:
Cheap car insurance quotes in Billings after driving violations
Your
Montana driving record
can impact the price you pay for auto insurance. If insurance companies detect a record of violations, they will consider you a higher risk to insure—and charge you a higher rate.Cheapest car insurance in Billings after speeding ticket
Speeding tickets
are among the most common road violations, and they can have a big impact on your car insurance. In Billings, car insurance costs can increase by more than 800% following a speeding violation.Here’s a look at how much you can expect the average rate of minimum liability insurance to skyrocket if you’re dinged with a minor speeding ticket in Montana:
Insurance company | Monthly minimum cost |
|---|---|
$74 | |
$103 | |
$155 | |
$189 | |
$192 |
Cheapest car insurance in Billings after DUI
In Billings,
a DUI violation
can affect your insurance rates more than any other violation. Having a DUI on your driving record will likely result in insurance providers charging significantly higher rates or even refusing to cover you altogether.Montana drivers with DUI convictions may need to compare rates from multiple companies to find affordable coverage. That’s where Jerry can help. Safeco ($194/month) and Progressive ($205/month) are two of the most affordable options for drivers who’ve been charged with a DUI. Cheapest car insurance in Billings after an at-fault accident
Insurance companies also consider your claims history, including whether you have a history of at-fault accidents. Drivers with recent at-fault accidents could face seriously steep rates.
Jerry has helped many Billings drivers save on car insurance after accidents. Have a look at some of the cheapest carriers in the city for motorists with an at-fault charge on their record.
Insurance company | Monthly full coverage cost |
|---|---|
$81 | |
$94 | |
$97 | |
$108 | |
$108 |
Those looking for minimum liability coverage can often find it with one of these companies following an at-fault accident.
Insurance company | Monthly minimum coverage cost |
|---|---|
$35 | |
$40 | |
$40 | |
$43 | |
Clearcover | $46 |
Cheapest car insurance in Billings after other driving violations
Aside from speeding tickets and DUIs, other types of driving violations can also raise your car insurance rates in Billings.
Explore how Jerry has helped policyholders in Montana with violations on their driving records.
Violation | Cheapest provider | Monthly full coverage cost |
|---|---|---|
Careless driving | $64 | |
Failure to obey signal | $72 | |
Failure to show documents | $173 | |
Failure to yield | $60 |
Cheap car insurance quotes in Billings by age
Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates.
Here are the average premium amounts drivers of different age groups pay for coverage in Billings:
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
18-21 | $119 | $212 |
22-25 | $70 | $153 |
26-34 | $55 | $111 |
35-44 | $43 | $94 |
45-54 | $62 | $116 |
55-64 | $69 | $102 |
65+ | $140 | $108 |
Cheapest car insurance in Billings for young drivers
In Billings,
Insurance for new drivers
is typically higher than any other age group, in large part due to their limited driving experience and insurance history. But as teenage drivers mature into young adults, their rates tend to gradually drop off.Despite already-elevated insurance costs, young drivers would benefit from a full-coverage policy and/or higher coverage limits. Full-coverage insurance can give novice drivers added protection and an extra boost of confidence while helping parents maintain peace of mind.
Though young drivers tend to pay more on the whole, that doesn’t mean they’re without affordable coverage options—here are some of the cheapest companies for motorists aged 18-21.
Insurance company | Monthly full coverage cost |
|---|---|
$124 | |
$175 | |
$201 |
Cheapest car insurance in Billings for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates, with insurance climbing after they reach 65+.
Here are some average costs across major providers for drivers between 22 and 54:
Insurance company | Monthly full coverage cost |
|---|---|
$96 | |
$104 | |
$132 | |
$138 |
Cheapest car insurance in Billings for senior drivers
Similar to teen drivers,
car insurance for senior drivers
tends to be expensive because they are considered a high-risk age group:- Senior drivers have a higher probability of being involved in car accidents
- Accidents involving senior drivers often lead to more severe injuries and higher medical expenses
As a result, drivers may notice an increase in their car insurance premiums once they reach age 75.
However, older drivers can still find affordable full coverage from some of the largest companies. In fact, Billings motorists between the ages of 54-65 can lock in cheap rates with some of the providers below.
Insurance company | Monthly full coverage cost |
|---|---|
$91 | |
$119 | |
$154 | |
$181 |
Cheap car insurance quotes in Billings based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status.
Let’s take a look at some of the cheapest Billings providers for motorists with a lapse on their record:
Insurance company | Monthly full coverage cost |
|---|---|
$153 | |
$181 | |
$181 | |
$229 |
Those looking for state minimum insurance, on the other hand, can still find affordable coverage—even with a lapse on their insurance.
Insurance company | Monthly minimum coverage cost |
|---|---|
$35 | |
$50 | |
$53 | |
$78 |
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Cheap car insurance quotes in Billings for drivers with poor credit
While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.As a result, individuals with “bad credit” may face increased premiums.
Research shows
that Montana drivers with poor credit scores can pay up to 97% more for car insurance than someone with a healthy score. In fact, let’s take a look at how rates can change across some of the largest insurance providers based on your credit score.Carrier | % increase from excellent to fair | % increase from fair to poor | % increase from excellent to poor |
|---|---|---|---|
42% | 33% | 89% | |
American Family | 44% | 46% | 110% |
Auto-Owners | 68% | 67% | 181% |
45% | 44% | 109% | |
40% | 36% | 91% | |
35% | 16% | 57% | |
64% | 51% | 148% | |
79% | 82% | 225% | |
65% | 56% | 157% | |
31% | 47% | 92% |
Cheap car insurance quotes in Billings for popular cars
The type of vehicle you drive influences the price you pay for car insurance. Popular models can incur higher rates—but there are a variety of rating factors that your insurance provider considers, including the average cost of replacement parts and repairs, the likelihood of theft, and the overall safety rating of the vehicle.
The most popular car models for drivers in this area include:
Now that we know what some of the most popular cars in the city are, let’s pivot into the cheapest full coverage cost for each model in Billings.
Vehicle type | Average monthly full coverage cost |
|---|---|
$50 | |
$99 | |
$73 | |
$212 | |
$107 |
How to lower car insurance costs in Billings
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Billings?
People living in Billings pay on average $57 per month or $684 per year on state-minimum liability coverage. Full coverage in Billings costs on average $133 per month or $1,596 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance.
What is the best car insurance in Billings?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Bristol West, Travelers, and Dairyland receive good ratings from Billings drivers, based on the largest car insurance survey in the nation conducted by Jerry.
What is the minimum car insurance in Billings, Montana?
The state-minimum car insurance in Billings, Montana is $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 for damage to property. These coverages are commonly referred to as 25/50/20 coverage.
What is the cheapest car insurance in Billings?
Based on thousands of Billings drivers Jerry has worked with, car insurance in Billings costs an average of $57 per month for state-minimum coverage and $133 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but some of the most affordable providers in the city are Bristol West, Direct Auto, and Clearcover.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.