)
)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
)
)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
The cheapest car insurance company in Billings is State Farm, with an average rate of $38 per month.
In Billings, liability insurance averages $74 per month and full coverage averages $137.
Our top insurance company picks in Billings are State Farm, GEICO, and The Hartford.
The Overall Cheapest Car Insurance in Billings, Montana
You shouldn’t pay more for insurance than you have to. Comparing insurance quotes from different companies can help you get the lowest price for the coverage you need.
The table below shows the cheapest auto insurance companies in Billings, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $38 |
| USAA | $41 |
| Root | $68 |
| Direct Auto | $70 |
| Farmers | $70 |
| GEICO | $72 |
| Safeco | $73 |
| Allstate | $77 |
| Bristol West | $91 |
| The General | $98 |
Cheapest Liability Car Insurance in Billings
State-minimum liability insurance covers bodily injury and property damage you cause to others. But it doesn’t pay for your vehicle repairs or medical bills. It’s best for older vehicles that you can afford to fix or replace yourself.
The average cost for minimum coverage in Billings is $74 per month.
Check out the table below for the cheapest liability car insurance companies in Billings, according to Compare.com data.
Cheapest Liability Rates by Company
How much car insurance is required in Billings?
Like nearly every state, Montana requires all drivers to have car insurance. The Treasure State’s minimum liability coverage limits are:[1]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $20,000 per accident
Insurers must offer uninsured motorist coverage to you, but you can waive coverage if you don’t want it. That said, it covers claims if someone hits you and doesn’t have insurance, so it may be worth it.
You also need to provide proof of insurance for traffic stops and accidents, so make sure you have your current ID cards in your vehicle at all times.
Cheapest Full-Coverage Car Insurance in Billings
Full-coverage car insurance usually includes liability, collision, and comprehensive coverage. Collision insurance covers accidents and damage from hitting stationary objects, like trees. Comprehensive insurance covers things like theft, vandalism, glass, and weather damage.
You likely need full coverage if you lease or finance a new car. It’s also a good idea if you can’t afford to fix or replace your vehicle after an accident.
On average, full-coverage insurance costs $137 per month in Billings.
In the chart below, we highlight the cheapest full-coverage car insurance in Billings, based on Compare.com data.
Cheapest Full-Coverage Rates by Company
Cheapest Car Insurance for Teen Drivers
On average, teens pay more for car insurance than any other age group. Teen drivers are almost four times as likely to get into a crash, so insurers charge more for coverage.[2]
The average monthly rate for teens in Billings is $181. But you aren’t necessarily stuck paying expensive premiums if you have a teen on your policy.
Check out the chart below for the cheapest insurers in Billings for teens, according to Compare.com data.
Cheapest Rates for Teens
Compare Real-Time Car Insurance Quotes in Billing
Rates in Billings start at $34 per month.
Cheapest Car Insurance for Senior Drivers
With decades of driving experience, seniors often pay the least for auto insurance. They typically avoid peak driving times, are more cautious, and obey speed limits, which lowers their risk of accidents and filing claims.
In Billings, senior drivers pay an average of $102 per month for car insurance. But you can usually find a better deal if you know how to shop around for quotes.
The chart below shows the cheapest insurance options for seniors in Billings, based on Compare.com data.
Cheapest Rates for Seniors
The Cheapest Car Insurance for Drivers by Driving Record
Tickets, driving under the influence (DUI) convictions, and at-fault accidents can raise your car insurance rates. Insurers use your driving record to determine how likely you are to file a claim. Drivers with recent infractions are at higher risk of filing claims, so they pay more for coverage than drivers with clean records.
Check out the table below to see the cheapest insurers in Billings if you have a recent ticket, at-fault accident, or DUI on your record, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $47 |
| USAA | $52 |
| Direct Auto | $86 |
| Farmers | $88 |
| Root | $89 |
| GEICO | $92 |
| Safeco | $94 |
| Allstate | $98 |
| Bristol West | $112 |
| The General | $128 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $50 |
| USAA | $55 |
| Root | $90 |
| Farmers | $93 |
| GEICO | $93 |
| Direct Auto | $95 |
| Safeco | $102 |
| Allstate | $103 |
| Bristol West | $119 |
| The General | $134 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $54 |
| USAA | $59 |
| Root | $98 |
| Direct Auto | $100 |
| Farmers | $100 |
| GEICO | $102 |
| Allstate | $110 |
| Safeco | $112 |
| Bristol West | $130 |
| The General | $140 |
Cheapest Car Insurance for Drivers by Credit
Many insurers in Billings use credit-based insurance scores to predict your risk of filing a claim. Drivers with good credit typically pay less for insurance because they’re less likely to file claims.[3]
The average monthly car insurance cost for people with good credit in Billings is $88. Drivers with poor credit pay an average of $131 per month. That said, not all companies use credit, and some offer affordable rates regardless of your credit history.
The table below shows the cheapest companies for Billings drivers with excellent and poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $31 |
| USAA | $35 |
| GEICO | $57 |
| Farmers | $59 |
| Root | $59 |
| Direct Auto | $60 |
| Safeco | $64 |
| Allstate | $65 |
| Bristol West | $79 |
| The General | $84 |
Company | Average Monthly Premium |
|---|---|
| USAA | $50 |
| State Farm | $55 |
| Root | $84 |
| Direct Auto | $86 |
| Farmers | $86 |
| GEICO | $89 |
| Safeco | $90 |
| Allstate | $95 |
| Bristol West | $112 |
| The General | $120 |
How to Get the Cheapest Car Insurance in Billings
Here are some tips to help you get the cheapest car insurance in Billings:
Bundle your insurance policies. Many companies offer multi-policy discounts when you bundle your car insurance with other policies, like renters, home insurance, or life insurance.
Ask about insurance discounts. Discounts are one of the easiest ways to save on coverage. Ask your insurance agent about available discounts, so you can apply as many as you qualify for.
Consider working with an independent insurance agency. Independent agents can shop for quotes for you to ensure you get the best price for your insurance needs.
Choose coverage options wisely. If you have an older car that’s not worth much, you may only need liability insurance. But if full coverage is the right coverage, raising your deductibles can help offset higher premiums. Just make sure you can afford to repair your car after an accident, because you’ll pay more out of pocket.
Our Picks for the Best Auto Insurance in Billings
No single insurance company is the best for all drivers. But some stand out from the rest. We chose the following companies as our top picks for the best auto insurance in Billings based on a combination of available insurance coverage, discounts, average rates, and customer ratings.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $34/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $69/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers a large network of agents in Billings for drivers who want personalized service. It also has a highly rated mobile app for Billings drivers who’d rather handle their insurance digitally.
Though State Farm offers few car insurance discounts in Montana, good drivers can stack discounts to maximize savings. Available discounts include accident-free, defensive driving course, and Drive Safe & Save discounts. It also offers the Steer Clear program for young drivers.
Affordable average rates
Highly rated mobile app
Above-average customer satisfaction
Fewer discounts than other insurers
Gap insurance not available
Accident forgiveness not available
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $132/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO is usually one of the cheapest insurers in Billings, thanks in part to its extensive list of available discounts. It’s also one of the few companies offering mechanical breakdown insurance, which can be a cheaper option than an extended vehicle warranty if your manufacturer’s warranty is about to expire.
Though it doesn’t have dedicated insurance agents, GEICO has a highly rated mobile app available 24/7.
Cheaper rates than many competitors
Mechanical breakdown insurance available
Plenty of available discounts
Poor Trustpilot rating
Below-average claims satisfaction
No local agents
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $151/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $246/mo |
Customers appreciate the pleasant customer service and AARP discounts but dislike the frequent price increases and complex payment process.
Customers appreciate the pleasant customer service and AARP discounts but dislike the frequent price increases and complex payment process.
The Hartford may be a great fit for business owners in Billings who want all their insurance policies in one place. The Hartford offers auto, condo, renters insurance, and homeowners insurance. It also has a wide range of business insurance products, including general liability and industry-specific policies tailored to your unique insurance needs.
AARP members can also get exclusive benefits, like new car replacement, home care services, a disappearing deductible, and accident forgiveness.
Electric and hybrid discounts available
Offers exclusive AARP benefits
Above-average claims satisfaction rating
Young drivers may get cheaper rates elsewhere
Below-average telematics rating
Poor Trustpilot rating
Billings, Montana Auto Insurance FAQs
Here are answers to common questions from drivers about getting cheap auto insurance in Billings, Montana.
How much is car insurance in Billings, Montana?
Car insurance in Billings, Montana costs an average of $105 per month, according to Compare.com data. Liability-only insurance averages $74, while full coverage averages $137 per month.
What’s the best car insurance company in Billings, Montana?
State Farm, GEICO, and The Hartford are some of the best car insurance companies in Billings, Montana, according to Compare.com. But the best company for you depends on factors like your age, driving record, vehicle type, and coverage needs.
Is car insurance in Billings, Montana, expensive?
It depends. Billings drivers pay an average of $105 per month, according to Compare.com data. Compare that to Montana’s average rate of $92, and the national average rate of $136 per month. How much you pay for car insurance depends on several factors, including your address, driving history, age, and insurance company.
Is minimum coverage enough in Billings?
It depends. Minimum coverage insurance covers only injuries and damages you cause to another driver in an accident. It might make sense for you if you have an older car that you can afford to repair yourself. But most insurance experts recommend higher liability limits. Montana’s comparative negligence laws mean you could pay out of pocket if damages exceed your limits.
What’s the most popular car insurance in Montana?
State Farm has the largest market share in Montana at 12%, making it the most popular car insurance company in the state.[4] Liberty Mutual, Progressive, and Travelers are also popular choices.
Are there any discounts available for car insurance in Billings, Montana?
Yes. Insurers offer many car insurance discounts in Billings. Discounts vary by company, but common discounts include multi-car, multi-policy, paperless, and safe driver discounts.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Related Articles
)
Car Insurance in Montana: The Complete Guide (From $49)
)
How to Shop for Car Insurance
)
Get Real-Time Car Insurance Quotes
)
Can You Negotiate Car Insurance to Get Lower Rates?
)
The Best Car Insurance Advice From Reddit
)
How to Switch Car Insurance in 6 Easy Steps
)
Switch Your Car Insurance in 6 Easy Steps
)
Six-Month vs. 12-Month Car Insurance
)
Great Falls, MT Car Insurance Quotes
)
Six-Month vs. 12-Month Car Insurance
)
Can You Negotiate Car Insurance to Get Lower Rates?
)
How to Switch Car Insurance in 6 Easy Steps
)
Online, Broker or Agent | The Best Way to Buy Your Car Insurance
)
Get Real-Time Car Insurance Quotes
)
Moving Out? Follow This Change of Address Checklist
)
How to Shop for Car Insurance
Sources
- Montana Motor Vehicle Division. "Montana’s Minimum Liability Insurance Law for Motor Vehicles."
- Insurance Institute for Highway Safety. "Teenagers."
- Insurance Information Institute. "Trends and Insights: Risk-Based Pricing of Insurance."
- National Association of Insurance Commissioners. "2024 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide."
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
)
)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).