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Cheapest car insurance in Billings, Montana

Montana requires minimum liability coverage of 25/50/20. Rates below are monthly estimates for the 25-55 driver, Full coverage, Excellent credit bracket.

Filed per-carrier data
Methodology → All of Montana →

Pulled directly from carrier rate filings for this city.

Billings is a smaller market, 117,116 residents, so filed data can take longer to catch up when a carrier changes pricing. The spread here is wide, 63% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 17% less than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate, credit/record adjusted $90.52
02 State FarmFiled rate, credit/record adjusted $138.34
03 NationwideFiled rate, credit/record adjusted $148.11
04 GEICOFiled rate, credit/record adjusted $183.67
05 ProgressiveFiled rate, credit/record adjusted $196.71
06 FarmersFiled rate, credit/record adjusted $212.92
07 AllstateFiled rate, credit/record adjusted $246.57
Rate explainer
Why is your best rate $90.52 and not $209.31?

Billings is priced against 7 insurers for the 25-55 driver, Full coverage, Excellent credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-4.80
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Excellent (modeled) $-30.68
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.