Billings Car Insurance

How much does auto insurance cost in Billings?


The typical Billings driver pays $1,471 per year for car insurance. That's less than the average across Montana ($1,534) and cheaper than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Billings.


BILLINGS AUTO INSURANCE PREMIUMS
Billings Average (annual)Montana AverageNational Average
$1,471$1,534$1,548

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Billings car insurance rates by company


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Billings, Liberty Mutual offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Billings below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


BILLINGS CAR INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
Liberty Mutual$713
State Farm$1,021
QBE$1,027
GEICO$1,125
Progressive$1,865

Check out our guide to learn how to find the best cheap car insurance.



Billings car insurance premiums by age

Billings drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $1,307per year, on average. Rates for Billings drivers in their age_60s are also relatively affordable, at just $1,343 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Billings. One of the most effective ways to lower your car insurance rates as a driver in Billings is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Billings is $3,201. That's the biggest gap in premiums between any pair of age brackets.


BILLINGS AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age groupAverage Yearly Rate
Teenagers$5,146
20s$1,945
30s$1,460
40s$1,426
50s$1,307
60s$1,343
70s$1,679

Learn more about how age influences auto insurance rates.



Billings car insurance rates by gender and marital status


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Billings pay $1 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Billings, widowed drivers pay less than those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Billings, the gap in average auto insurance premiums between genders is $1 per year, with male drivers paying more than female drivers.


BILLINGS AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,471
Male$1,471
Single$1,471
Married$1,471
Divorced$1,471
Widowed$1,471

Learn more about how gender and marital status have on auto insurance rates.



Billings car insurance premiums by violation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Billings, a reckless driving citation results in an average insurance rate increase of $813 per year, compared to the citywide average. For comparison's sake, a DUI offense results in an $803 increase and a speeding ticket triggers a $364 rate hike.


BILLINGS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage Yearly Rate
DWI/DUI$2,273
Reckless Driving$2,283
At-fault Accident (damages less than $1,000)$2,037
At-fault Accident (damages greater than $2,000)$2,211
Speeding Ticket (16-20 mph over speed limit)$1,835

Get more info on how a bad driving history can impact your car insurance costs.



Billings car insurance costs by credit tier


Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In Billings, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 57% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Billings, improving your credit to "Fair" could help you earn $1,028 in savings on insurance premiums each year.


BILLINGS CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Yearly Rate
Very Poor$2,714
Fair$1,686
Good$1,471
Very Good$1,333
Exceptional$1,180

Learn more about the relationship between poor credit and car insurance.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.