Car Insurance in Billings, MT
- State Farm offers the cheapest car insurance in Billings at $127/mo.
- Compare and save on auto insurance in or near Billings, MT with The Zebra.
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About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
How much does car insurance cost in Billings?
For most drivers, State Farm is a good place to start, offering the lowest average full coverage rates at around $127 per month.[1]
Across Billings, car insurance averages $1,156 every six months ($193 monthly), about the same as the Montana average of $1,118. With 37% of our local customers saying they're paying too much for coverage, shopping around could help you find a better deal.
- Car insurance in Billings is about average for rates in Montana.
- State Farm offers the cheapest full coverage rates in Billings at $127/mo. For minimum coverage, State Farm is the cheapest option at $35/mo.
- An at-fault accident in Billings can cause rate hikes of up to $388 on a 6-month policy.
Cheap liability and full coverage auto insurance in Billings
Finding affordable car insurance in Billings comes down to balancing price and protection. In 2026, State Farm has the lowest average full coverage rate at $127 per month. For drivers who prefer liability-only coverage, State Farm averages just $35 monthly. USAA is also worth comparing for eligible military families.
Source: The Zebra • Current as of: Aug 10, 2026
About 33% of Montana drivers choose minimum coverage, but the savings come with less protection. Liability insurance helps pay for damage you cause to others, while full coverage adds collision and comprehensive coverage to help protect your own vehicle. Spending more on coverage now— about $868 in Billings — could help you avoid larger out-of-pocket costs later.
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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Why is car insurance in Billings so expensive?
Car insurance prices in are about average compared to the rest of Montana. Billings drivers may pay higher rates due to a mix of weather risks, the number of drivers, and location.
1. Weather
Montana and Billings faces several weather-related risks. Severe hailstorms, heavy snow, freezing temperatures, and strong winds can cause significant vehicle damage and lead to more insurance claims. These risks can contribute to higher car insurance rates for drivers in the Billings area.
2. Traffic and regional travel
Billings is Montana’s largest city and a regional hub for work, shopping, and services. Higher traffic volumes on major roads and highways increase the likelihood of accidents and insurance claims.
Source: The Zebra
3. Uninsured drivers
Coupled with Billings’ role as a regional transportation hub, uninsured drivers can also contribute to higher insurance costs. When an uninsured driver causes an accident, resulting claims may be paid through the insured driver’s collision or uninsured motorist coverage, depending on the policy.
Yes. Billings police policy allows certain private-property crashes to be investigated when a driver can be cited for having no insurance or no proof of insurance. Officers also verify current insurance when investigating these accidents.
-Johnny Hawkins, Licensed Agent and Manager at The Zebra
Car insurance rates after an accident in Billings
In Billings, an at-fault accident can raise your car insurance by $388 for a 6-month policy. Keeping a clean driving record is the best way to avoid increases.
Premiums can go up after multiple violations such as accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Source: The Zebra
Ready to get started?
Montana drivers in and near Billings saved money on car insurance recently using The Zebra:
Our licensed agents guided a driver in East Helena, MT to find this smart deal on their Chevrolet Equinox with The General.
This quote from GEICO helped a Subaru Forester driver in Columbia Falls, MT cut their insurance costs.
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This quote from Bristol West helped a Ford Focus driver in Miles City, MT cut their insurance costs.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Billings car insurance FAQs:
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Data Methodology. The Zebra's Dynamic Insurance Rating Tool
Data Methodology. The Zebra's Dynamic Insurance Rating Tool
What Montana drivers want to know about car insurance
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
