Cheap Auto Insurance in Billings, MT

Billings, MT Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Billings, MT from top carriers. Rates are adjusted for Billings's 1,536 annual crashes, 2.4 per 1,000 theft rate, and local risk factors:

Estimates based on 2026 rate filings for ZIP 59102. USAA is cheapest at ~$103/mo. Actual rates vary by driver profile and exact Billings location.

Auto Insurance in Billings: What Drives Your Rate

Billings is a mid-size city in Montana with a population of 117,116. While it avoids the extreme congestion of larger metros, Billings has its own risk factors — growing commuter traffic, expanding development, and blizzards, extreme cold, wildlife crossings, ice, mountain roads — that shape local auto insurance rates. Drivers in Billings typically pay close to the Montana state average, with significant variation by ZIP code and neighborhood.

Key Risk Factors in Billings

• Traffic & Commute: Billings drivers face an average commute of 24.0 min. Traffic ranks moderate for the state. Major routes include I-90, I-15, US-93, US-2 — all high-accident corridors that inflate premiums.
• Crashes & Fatalities: Billings sees 1,536 crashes annually — including 15 fatal crashes. That's significantly within range of what insurers expect for a city of 117K residents.
• DUI & Impaired Driving: With 374 DUI arrests per year in Billings, impaired driving is a major cost factor. A single DUI can increase premiums 60-80% for 3-5 years.
• Vehicle Theft: Billings's vehicle theft rate is 2.4 per 1,000, directly affecting comprehensive insurance costs. Anti-theft devices and secured parking can lower your premium.
• Weather Risks: Billings drivers contend with blizzards, extreme cold, wildlife crossings, ice, mountain roads. Comprehensive coverage is essential here — and these claims push rates up across the board.
• Uninsured Drivers: Billings's 8% uninsured rate is near the Montana state average of 8%, raising UM/UIM costs for insured drivers.

For official Montana insurance regulations, visit the Montana Commissioner of Securities and Insurance. For driver licensing, see the Montana Motor Vehicle Division.

Auto Insurance Rates by Age in Billings, MT

Age is one of the biggest rating factors in Billings. Here's how rates differ by age group:

Teens in Billings pay an average of $3,900/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,541/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.

Montana Auto Insurance Guides

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
2. Montana Commissioner of Securities and Insurance — official state insurance regulator for Montana.
3. National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
4. Montana Motor Vehicle Division — Montana vehicle registration and licensing requirements.
5. Insurance Information Institute (III) — independent insurance education and research.
6. National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
7. NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.