Best Cheap Auto Insurance in Billings, MT (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jul 17, 2021

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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.

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Billings, Montana

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Billings, Montana

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.

Annual Billings, Montana Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Billings, Montana

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.

Annual Auto Insurance Rates by Credit Score in Billings, Montana

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.

Annual Auto Insurance Rates by ZIP Code in Billings, Montana

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.

Annual Auto Insurance Rates by Commute Length in Billings, Montana

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.

Annual Auto Insurance Rates by Coverage Level in Billings, Montana

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.

Best Annual Auto Insurance Rates by Company in Billings, Montana

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.

Average Annual Auto Insurance Rates by Company in Billings, Montana

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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