Billings Car Insurance

The Zebra
May 30, 2018

Car Insurance in Billings

On average, premiums in Billings sit under Montana's average by 10%, so if you are insuring a vehicle in Billings, saving money is critical. Let’s take a look at how to save on car insurance in Billings.

  • City Average: $1,456
  • State Average: $1,615
  • National Average: $1,427

Billings Car Insurance by Credit Rating

Those with Very Poor credit (300-579) typically pay 138% more each year for car insurance than those with Exceptional credit (800-850). Drivers can save an average of $659 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $2,928
  • Fair: $2,269
  • Good: $1,850
  • Very Good: $1,527
  • Exceptional: $1,229

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Billings Car Insurance by Accident or Violation History

Accidents and violations can cost you in terms of car insurance rates. Drivers with a DUI in Billings have rates $642 higher than the city average of $1,456. Reckless driving will bump your premiums up as well, with average rates of $1,939. Accidents happen, even to safe drivers, so be prepared and learn what can happen to your rates after one. $552 is, on average, the additional cost for car insurance in Billings if you have an at-fault accident on your driving record.

  • DUI: $2,098
  • Reckless Driving: $1,939
  • At-fault Accident (damages less than $1000): $2,008
  • At-fault Accident (damages greater than $2000): $2,008
  • Speeding Ticket (16-20 mph over speed limit): $1,774

Billings Car Insurance by Age

At $1,313, drivers in their 50s have the smallest insurance rates among any age group. However, people in their 60s ($1,323) also have relatively low premiums. The greatest fall in premiums for Billings drivers happens when they hit their 20s. Once out of the teenage age range, individuals pay $3,422 less in premiums. In Billings, turning 60 means a rise in rates. Up until then, transitioning from one age group to the next means decreasing prices. Teenage drivers are the ones who pay the most in car insurance premiums, with average payments of $5,273.

  • Teenagers: $5,273
  • 20s: $1,851
  • 30s: $1,441
  • 40s: $1,410
  • 50s: $1,313
  • 60s: $1,323
  • 70s: $1,584

* Billings insurance rates aren't impacted by either gender or marital status.