Billings, MT Auto Insurance | Cheap Car Insurance in Billings, MT

The average rates in Montana can fall around $168. For Billings, MT auto insurance, rates can be lower around $32 per month. As one of the best Billings, MT auto insurance companies, National Farmers Union offers a monthly rate of $20. Finding cheap car insurance in Billings, MT can be based on such factors as your age, credit score, and more.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Cheap car insurance in Billings, MT is offered by National Farmers Union with rates as low as $20 monthly. Some of the other best Billings, MT car insurance companies, like State Farm, Cal Casualty, Allstate, and Allied offer competitive premiums. Montana auto insurance requires residents to get 25/50/10 minimum in liability coverage. Liability insurance will pay if you are responsible for the accident. We always recommend carrying more than the Billings, MT auto insurance minimum.

Billings is the largest city in Montana and the only metropolitan area with a population in the six figures. And the population is only growing; in the most recent US census, the suburb of Lockwood expanded by nearly 60% in a decade. It is sometimes referred to as “The Magic City”.

Fun fact: that was quick! Billings is #30 on the list of “Top 100 cities with shortest commuting times (pop. 50,000+)”.

Are you in need of cheap auto insurance in Billings, MT? At AutoInsuranceEZ.com, you will discover the most affordable insurance policy in your city. To get free Billings, MT auto insurance quotes available from the major providers now, enter your postal code into the quote box here.

Billings, MT Driving Facts

The auto insurance coverage requirements in Montana are:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

According to the Montana auto insurance information, Montana drivers have some of the lowest state requirements for automotive insurance in the country. But that doesn’t mean your coverage should take a backseat. Liability only pays out claims if you were the one who caused the accident or the damage. In every other scenario, you may be financially liable.

Despite having such low minimum state requirements, the average monthly cost for vehicle premiums in Montana can be as high as $168 or more. Luckily, living in Billings can get you some pretty significant discounts – you could be driving legally for $32/mo or less!

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Best Car Insurance in Billings, MT

Average Monthly Auto Insurance PremiumsLegend: Billings National Farmers Union State Farm Cal Casualty Allstate Allied 510152025303540$20$26$28$41$43

 

Cal Casualty, State Farm, Billings, MT and the National Farmers Union are offering attractively low rates right now. But make sure all other aspects of the company are just as attractive as their premiums. Otherwise, you might get stuck with poor customer service, or have to fight a small battle just to file a claim. There are a number of companies to research, which can include: Progressive [insurance] Billings, MT, Allstate [insurance] Billings, MT and more.

Billings, Montana car insurance companies evaluate several variables when calculating insurance prices, particularly gender, driving violations, credit score/rating, education, and multiple cars and drivers. Furthermore, affordable Billings, MT auto insurance may vary from business to business. To make sure you’re still paying the best fee, check insurance premiums via the internet.

Major Factors in Cheap Car Insurance in Billings, Montana

At the time your auto insurance company prepares to build your insurance plan, they take a lot of parameters into account. Many of these, for instance your real age or perhaps your exact location, are usually unfeasible to vary. A few other factors are:

Your ZIP Code

In many cases, the least expensive car insurance is usually found in cities having a lower population density. Because there are less automobiles traveling the road, there are fewer opportunities to get into a serious car accident with another motorist. The population of Billings is 109,059 and also the usual family earnings are $49,247.

Auto Insurance by ZIP CodeLegend: Great Falls Missoula Butte Billings Bozeman National Farmers Union State Farm Cal Casualty Allstate Allied 51015202530354045$20$19$21$20$17$28$26$27$26$21$28$27$27$28$23$44$42$37$41$39$48$41$48$43$40

 

Automotive Accidents

Fatal accident statistics are generally what would be considered in the “low” category. However, Billings does have over 100,000 residents, which means that those numbers could go up at any time. This may or may not be having a negative effect on your monthly premiums. Contact your insurance agent today for more information.

Fatal Accidents in Billings, MTLegend: Billings Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 123456789461491

 

Auto Thefts in Billings

Finding cheap auto insurance can be tough if you are at risk for auto theft. Several common automobile models usually are popular with thieves, in addition to motor vehicles which might be parked typically in big cities. The total amount of stolen cars in Billings shot up to 541 during 2013. Not only are those numbers on the rise, but per capita theft rates are also high. To protect yourself from vehicle theft, make sure you have Comprehensive coverage on your policy.

Basic vs. Comprehensive PolicyLegend: Basic Coverage Comprehensive Coverage National Farmers Union State Farm Cal Casualty Allstate Allied 102030405060708090100110$20$100$26$80$28$114$41$108$43$89

 

Your Credit Score

Take a look at the chart below. Drivers with a poor credit score are paying at least twice as much as drivers with perfect credit. This might not be a budget-breaker for some companies, but it can push your premiums into the triple digits with other providers.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit National Farmers Union State Farm Cal Casualty Allstate Allied 5101520253035404550556065$16$32$21$50$23$52$33$66$38$66

 

Your Age

Unfortunately, teenage drivers are going to be charged significantly higher rates, no matter what. Good Student or Driver’s Ed discounts can help some, and certain Billings, Montana auto insurance companies are more forgiving than others (see below). Some, like National Farmers Union, won’t accept the risk of insuring a teenage driver at all.

Auto Policy Age ComparisonLegend: 34 Year Old Male 17 Year Old National Farmers Union State Farm Cal Casualty Allstate Allied 153045607590105120135150$20Do Not Sell$26$74$28$86$41$159$43$115

 

Your Driving Record

No matter who insures you in Montana, it seems as though most are forgiving enough to ensure high-risk drivers – motorists with serious violations on their record – albeit for a higher monthly premium. But if your record only contains minor blemishes, ask if your provider offers any Accident Forgiveness discounts.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident National Farmers Union State Farm Cal Casualty Allstate Allied 5101520253035404550556065707580$20$27$36$32$26$29$29$31$28$33$66$36$41$45$55$57$43$50$80$62

 

Your Vehicle

The expense associated with insuring a luxury vehicle has more to do with the amount of insurance you buy, rather than the vehicle itself. After all, you’re not going to cover a Ferrari or a Porsche with state minimum Liability coverage. You’re going to purchase many different coverage options, and in sufficiently high amounts to cover the cost of your vehicle.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder National Farmers Union State Farm Cal Casualty Allstate Allied 153045607590105120135$20$117$26$102$28$137$41$145$43$86

 

Minor Factors in Cheap Auto Insurance in Billings, Montana

Don’t overlook these other important factors, though:

Your Marital Status

It’s easy to get vehicle insurance discounts if you know how and what policies you can bundle. And it’s even easier to take advantage of those savings if you’re married! Married couples can not only bundle their auto policies together, but also things like renters or homeowners insurance, too.

Your Gender

Insurance providers, for the most part, base their monthly premiums on cold, hard data. And in recent years, that data states that there is no significant risk from one gender to another. This explains why many providers are starting to phase out this particular metric when calculating premiums.

Your Driving Distance to Work

It won’t take long to commute to and from work in Billings with average commute times ranging anywhere from 12-21 minutes. The vast majority of residents prefer to use their own car in order to get around (82%), while an additional 8-10% would rather carpool.

Almost every insurance agent asks about yearly miles driven, as well as your purpose on the road. But no matter how you answer these questions, it rarely amounts to more than a 3-5% change in monthly premiums. But if you’re insuring a vehicle for business, expect to pay at least 10% more on average.

Your Coverage and Deductibles

As discussed earlier, Comprehensive coverage is necessary to protect yourself from Billings’ notoriously high rates of auto theft – but it can also be costly. One way to lower your monthly expense is to increase your deductible. Just make sure you have a little extra cash stashed away in case you ever do need to file that claim.

Education in Billings, MT

A good number of citizens in Billings (29%) have completed their high school education. In addition, another fifth of the population (20%) has gone on to earn a bachelor’s. These well-educated individuals have more to look forward to than a better job or a higher salary; they will also be enjoying lower prices on their Billings, MT auto insurance rates, because providers often give discounts for having a higher education.

Billings is home to two state schools which offer associates degrees, bachelor’s degrees, and higher: the MSU Billings College of Technology and Montana State University. There are also private institutions, such as the Rocky Mountain College or Yellowstone Baptist College.

Finding inexpensive auto insurance might end up being a hassle. There’s lots of important information to consider, and determining just how insurance providers examine your possible risk may be complex. But don’t permit the wrong Billings, MT auto insurance companies to convince you to purchase an insufficient policy.

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How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average car insurance cost was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Montana Commissioner of Securities and Insurance

Montana Division of Banking and Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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