Billings, MT Car Insurance

Residents of Billings pay, on average, about $79 per month for car insurance. Read our guide below to learn more about your specific rates.
How does Billings compare to the surrounding area and the rest of Montana? What rates can residents of Billings expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Billings?

Area Average Monthly Car Insurance Premium
Billings$79
MT$71
United States$80

Based on the information in the chart above, you can see that on average, it's about $8 a month more expensive to insure your vehicle in Billings than it is in the rest of Montana.

Conversely, car insurance rates in Billings are more affordable than the national average. It's about $1 cheaper to insure your vehicle in Billings compared to the average rate for the U.S. as a whole.

While these are the average car insurance rates for Billings, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

But don't worry, we've broken down average rates for Billings residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$135
25-34$67
35-44$50
45-54$69
55-64$54
65+$57

Generally, the older you are, the more experienced you are on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may begin to go back up in Billings.

Average Car Insurance Rates by Gender

Gender Average
Male$78
Female$79

Car insurance rates for female drivers are usually cheaper than those for male drivers. While this isn't true in Billings, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$87
Multiple Accidents$96
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Billings with a single accident will pay around $87 a month.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$57
4-5 Years$94
6-7 Years$74
8-10 Years$114
11-14 Years$66
15 Years or Older$75

If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Billings, with drivers paying around $65 per month for insurance coverage.

Truck and van drivers will see rates of about $76, while the rates for car owners average out to about $86 a month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Billings, vehicles eight-to-ten years old and four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$85
Married$55
Divorced$61
Widowed$60

On average, married policyholders will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Billings reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $30 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$59
Rent$108
Live with parents$89

Another factor taken into consideration is your living accommodations. In Billings, homeowners can expect to pay around $49 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in Billings, MT

Recent trends in car insurance for Billings drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

Auto insurance rates in Billings went up steadily from 2016 through the present, where they reached $132 per month in 2021.

How does Billings compare to neighboring areas?

Why are car insurance rates in Billings different from other areas?

There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Total drivers
  • Prevalence of crime
  • Frequency of car accidents
  • Community regulations
  • Off-street parking availability

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Billings?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Billings.

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Billings Insurance FAQs

What factors affect car insurance quotes in Billings?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Billings different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Billings?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Billings?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Billings or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes