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Billings Auto Insurance points to remember

  • Liberty Mutual offers the most affordable premiums for the average insurance purchaser in Billings.
  • The insurance price varies by approximately $9 between neighbourhoods within different ZIP codes.

How much does car insurance cost in Billings?

An average Billings driver pays $1482 annually for auto insurance. This is less than the Montana average ($1545) and less than the national average ($1557).

Continue reading to learn how much you can expect to pay in Billings based on your marital status, age, credit score, and other factors.

Billings Average (annual) Montana Average National Average
$1482 $1545 $1557

Auto Insurance Premiums by Company in Billings

One of the most effective ways to save money on auto insurance is to compare rates from multiple providers and select the best insurer that meets your coverage requirements.

We've listed the most affordable auto insurers in Billings below. Use this information as a starting point and compare quotes tailored to your unique driving profile.

Insurance Company Average Rate (annual)
Liberty Mutual $723
State Farm $1032
QBE $1044
Progressive $1878

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Auto Insurance Premium by Age in Billings

Drivers in their 50s in Billings pay an average of $1317 annually for auto insurance, which is relatively affordable. The annual premiums for Billings drivers in their 60s are also relatively low, at $1356.

Young drivers aged 16 to 19 in Billings pay the most for auto insurance. In Billings, the difference between the auto insurance premiums paid by teenage drivers and drivers in their twenties is $3210. This is the largest difference in premiums between any two age groups.

Age tier Average Yearly Rate
20s $1959
30s $1470
60s $1356

Auto Insurance Premium by Marital Status in Billings

A driver's marital status usually impacts the cost of their auto insurance.

Based on data indicating that they are more likely to file claims, single drivers pay more than married drivers in most locations in the United States. In Billings, married drivers pay $3 less than single drivers for auto insurance.

The rates for widows are also significantly lower than the rates for singles. Interestingly, in Billings, widowed motorists pay less than single motorists.

Marital Status Average Annual Rate
Single $1458
Married $1455
Divorced $1458
Widowed $1440

Auto Insurance Premium by Gender in Billings

Gender is an additional variable that can affect auto insurance premiums. On average, male drivers in Billings pay $1 per year more than female drivers for auto insurance premiums.

Gender Average Annual Rate
Female $1458
Male $1458

Auto Insurance Premium by Driving Violation in Billings

No matter where you live, avoiding accidents and tickets is the best way to keep your auto insurance rates affordable. Unfortunately, tickets for speeding, reckless driving, DUIs and DWIs, and at-fault accidents typically increase.

Reckless driving and DUI are two of the most expensive driving violations from an insurance perspective. In Billings, a reckless driving ticket results in an average increase of $813 per year in insurance premiums compared to the citywide average.

A DUI offense results in an $804 rate increase while a speeding ticket results in a $366 rate increase.

Incident/Violation Average Yearly Rate
DUI/DWI $2286
Reckless Driving $2295
At-fault Accident $2229
Speeding Ticket $1848

Auto Insurance Premium by Credit History in Billings

The credit score is a significant insurance rating factor. In general, drivers with poor credit pay more for auto insurance than drivers with excellent credit.

In Billings, a credit score improvement from "Very Poor" (300-579) to "Exceptional" (800-850) corresponds to a 57 percent reduction in auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an excellent way to reduce auto insurance costs.

Improving your credit score to "Fair" in Billings could save you $1020 annually on insurance premiums.

Credit Score Average Yearly Rate
Very Poor $2727
Fair $1698
Good $1488
Very Good $1350
Exceptional $1191

Auto Insurance Premium by Zip Code in Billings

The cost of auto insurance can vary by ZIP code based on the number of accidents and car thefts. Therefore, there may be little effect on your insurance premiums in Billings.

ZIP code Annual car insurance rates
59105 $1221
59102 $1227
59101 $1224

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What could increase your car insurance rate in Billings?

In addition to the needs and history of the individual driver, location-specific factors such as the percentage of uninsured drivers and the rate of fatal accidents also influence auto insurance rates in Billings.

Auto theft statistics in Billings

Every day, an average of three cars are stolen in Billings. According to the National Insurance Crime Bureau, Billings ranked 15th in the nation for auto theft rate in 2017 and rose to 8th in 2020.

Accidents Statistics in Billings

While car accidents are an unavoidable aspect of time spent on the road, accident rates vary from city to city and state to state. Billings drivers have the fifth-most car accidents per driver among all Montana cities.

  • Rank within the state - Number 5
  • Percent of drivers in Billings with an accident - 10%

In Billings, drivers with an accident record pay an average of 30.61 percent more than drivers with a clean record.

Auto insurance in Billings: Minimum insurance requirement in Montana

In Billings, you are required to have auto insurance with the following minimum coverage limits:

  • Bodily injury liability coverage per person - $25000
  • Bodily injury liability coverage per accident - $50000
  • Property damage liability coverage - $10000

Driving without insurance could result in fines or even imprisonment. It could also leave you responsible for costly medical expenses after an accident.

Driving tips in Billings

Although cars are the most common road users, they are not the only ones on the road. Therefore, people driving cars must be aware of and courteous to pedestrians and cyclists.

Always fasten your seatbelt and adhere to the posted speed limit while driving to protect yourself and others.

Follow the below guidelines to increase the safety of others while driving:

  • Buckle Up: The National Highway Traffic Safety Administration reports that seat belt use halves the risk of crash-related injury and death.
  • Keep alert: Avoid distractions such as phone conversations and texting while driving. The city of Billings prohibits cell phone use while driving.
  • Watch out for pedestrians: Always be on the lookout for pedestrians, especially at painted crosswalks and intersections, i.e., marked and unmarked crosswalks.
  • Pass carefully: When approaching and preparing to pass a cyclist, leave three to five feet of space between you.
  • Slow down in school zones: When driving in a school zone, observe the reduced speed limits and maintain heightened vigilance for children.
  • Do not drive while drunk: Driving under the influence of drugs or alcohol greatly increases the risk of being involved in a collision.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

Who has the cheapest car insurance rates in Billings, Montana?

Liberty Mutual offers the most affordable premiums for the average insurance purchaser in Billings.

How much is car insurance a month in Billings, Montana?

An average Billings driver pays $123 monthly for auto insurance. This is less than the Montana average $129 and less than the national average $130.

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Learn more by city and state for car insurance




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