Best Billings, MT Auto Insurance in 2025 (Find the Top 10 Companies Here)
The best Billings, MT auto insurance includes State Farm, Geico, and Progressive, with only $19/month starting rates. State Farm is the top choice for customer satisfaction. Geico also provides cheap rates, a 25% discount, and an A++ rating. Progressive is known for its Snapshot program for Billings, MT drivers.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Apr 10, 2025
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18,154 reviewsCompany Facts
Full Coverage in Billings MT
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Full Coverage in Billings MT
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,283 reviewsCompany Facts
Full Coverage in Billings MT
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviewsThe best Billings, MT, auto insurance companies are State Farm, Geico, and Progressive. With beginning rates starting at only $19 per month, they offer deductibles and savings programs.
These companies notably provide affordable yet reliable premiums for budget-conscious drivers in Billings, Montana.
Our Top 10 Company Picks: Best Billings, MT Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Customer Satisfaction | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 10% | A+ | Snapshot Program | Progressive |
 | #4 | 25% | A | Family Discounts | Liberty Mutual |
 | #5 | 20% | A+ | Vanishing Deductible | Nationwide |
 | #6 | 25% | A+ | Accident Forgiveness | Allstate |
 | #7 | 20% | A | Local Agents | Farmers |
 | #8 | 5% | A+ | AARP Discounts | The Hartford |
 | #9 | 25% | A | Personalized Service | American Family |
 | #10 | 13% | A++ | Comprehensive Coverage | Travelers |
Read through our car insurance guide to help you choose the cheap car insurance rates tailored to your financial and vehicle needs.
- The best Billings, MT auto insurance are State Farm, Geico, and Progressive
- State Farm offers customer satisfaction for cheap rates only at $22 per month
- Get competitive rates from top providers like Geico and Progressive
Enter your ZIP code to discover the most affordable and budget-friendly auto insurance policy in Billings, Montana. Read more through this guide to explore more.
#1 – State Farm: Top Overall Pick
Pros
- Excellent Customer Service: State Farm is known for satisfying drivers and residents in the Billings area.
- Affordable Rates: State Farm provides cheap rates starting at $19 per month, helping budget-conscious drivers in Billings, MT.
- Top Financial Strength: State Farm provides peace of mind to Billings drivers, according to our State Farm auto insurance review.
Cons
- Limited Tech Features: Tech-savvy drivers in Billings will not appreciate State Farm because it does not have a modern, convenient app.
- Basic Discount Options: State Farm provides less flexible offerings than other insurers in Billings, Montana.
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#2 – Geico: Best for Affordable Rates
Pros
- Lowest Premiums Available: Geico provides affordable premiums to Montana drivers who want to save.
- High Discount Potential: A 25% discounts is offered by Geico to Billings, MT, drivers who want to save.
- Strong Financial Status: Geico offers a solid financial status, ensuring peace of mind to Montana policyholders.
Cons
- Minimal Local Agent Access: Residents in Billings who prefer face-to-face interaction may see Geico as a drawback, as mentioned in our Geico auto insurance review.
- Less Personalized Coverage: Geico provides less customized protection options for unique Montana lifestyles.
#3 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program Benefits: The snapshot program is known by Progressive and rewards the safe driving habits of drivers in Billings, MT.
- Flexible for High-Risk Drivers: Progressive is the best option for Montana drivers with a history of accidents.
- Modern Digital Experience: Progressive is known for providing an excellent app for Billings drivers, as mentioned in our Progressive auto insurance review.
Cons
- Rate Increases for Risky Drivers: Progressive is not ideal for drivers seeking stable rates in Billings.
- Mixed Claims Experience: Progressive’s customer service can vary, significantly impacting Billings drivers who need claims support.
#4 – Liberty Mutual: Best for Family Discounts
Pros
- Family-Focused Discounts: Liberty Mutual supports Billings households through valuable savings, making this feature the top pick for families.
- Accident Forgiveness Program: This feature helps local drivers in Billings, MT, to maintain affordable coverage after a mishap.
- Customizable Policy Options: This feature perfectly fits Billings drivers who want to align their lifestyle with their vehicle needs.
Cons
- Above-Average Starting Rates: As mentioned in our Liberty Mutual auto insurance review, premiums can be higher, which may deter drivers in Montana.
- Discounts May Be Hard to Qualify For: Other offers require eligibility hurdles, which may impact Billings residents’ access to savings.
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#5 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible Program: Nationwide encourages Montana motorists, to practice safe driving habits by lowering deductibles.
- Broad Agent Network: This feature provides easy access to local support, which is ideal for Billings drivers who prefer in-person support and guidance.
- Bundling Opportunities: This feature allows drivers in Montana to pair their home insurance with other coverage and policies.
Cons
- Not the Cheapest for Young Drivers: Other insurers in Billings may offer more affordable rates for younger drivers.
- Fewer High-Tech Features: App and online account tools are not as advanced as other insurers, according to our Nationwide auto insurance review.
#6 – Allstate: Best for Accident Forgiveness
Pros
- Accident Forgiveness: This feature helps lower your premium after your first at-fault accident, making it ideal for drivers in Billings, MT.
- Innovative Tools like Drivewise: This uses mobile-based telematics to reward safe driving habits in Billings, and help them save money.
- Strong Multi-Policy Discounts: Allstate offers a 25% discount when you bundle your insurance and policy, as mentioned in our Allstate auto insurance review.
Cons
- Higher Base Premiums: When there is no discount, Allstate’s premium may be higher than that of other insurers in Billings.
- Mixed Customer Satisfaction: Montana drivers report inconsistent service assistance, especially during claims support.
#7 – Farmers: Best for Local Agents
Pros
- Local Agent Access: Farmers is the best pick for Montana drivers because of its face-to-face service assistance.
- Great Customization Options: This feature benefits Billings drivers through highly tailored coverage.
- Many Specialized Discounts: This feature offers savings like alternative fuel vehicles or professional affiliations.
Cons
- Premiums Can Be Pricey: Without discounts, rates can be high for drivers in Billings, as mentioned in our Farmers auto insurance review.
- Limited Online Quote Accuracy: Quotes may differ from final pricing, confusing local shoppers in Billings, Montana.
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#8 – The Hartford: Best for AARP Discounts
Pros
- AARP Membership Savings: This feature offers discounts to AARP members, making it the best choice for senior drivers in Montana.
- Strong Reputation for Claims Handling: This feature is known for providing fast claims handling for billings, MT, and drivers.
- Customizable Coverage for Seniors: A tailored package is offered to older motorists in Billings, MT.
Cons
- Not Ideal for Younger Drivers: According to our Hartford auto insurance review, young drivers in Montana may pay more.
- Fewer Tech-Based Discounts: The Hartford lacks programs and features that drivers in Billings may seek.
#9 – American Family: Best for Personalized Service
Pros
- Highly Personalized Service: American Family focuses on building customer relationships, making it the best option for drivers in Billings, Montana.
- Useful Mobile App and Tools: This feature provides digital access to policy management, making it convenient and friendly to Montana drivers.
- Strong Local Presence: As mentioned in our American Family auto insurance review, this feature is everywhere in the region.
Cons
- Limited Availability for Some Discounts: Savings are limited to some Montana drivers because not all discounts are offered.
- Inconsistent Premiums Across Profiles: Age, credit, or driving record can significantly impact rates.
#10 – Travelers: Best for Comprehensive Coverage
Pros
- Excellent Comprehensive Coverage: Travelers is a well-known provider that offers strong protection against theft, vandalism, and weather, which is important in Billings.
- Strong Financial Reputation: This is a trusted insurer rated as A++, which gives Montana drivers peace of mind.
- Smart Home and Auto Bundles: As mentioned in our Travelers auto insurance review, this feature offers unique savings for bundling policies.
Cons
- Fewer In-Person Agent Options: Compared to other insurers in Billings, Montana, like State Farm or Farmers, there is a limited number of agents available.
- Less Emphasis on Driver Reward Programs: This feature lacks unique programs like safe-driving reward options that appeal to low-mileage drivers in Billings.
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Cost of Auto Insurance and Discounts in Billings, Montana
The cost of auto insurance in Billings, Montana, varies because of different factors. One of which is the discount offered by the top providers in the area.
Billings, MT Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $41 | $150 |
| $36 | $128 |
| $43 | $160 |
| $24 | $82 |
| $19 | $66 |
| $26 | $89 |
| $46 | $168 |
| $22 | $78 |
| $33 | $118 |
| $31 | $110 |
This section will highlight the cost of auto insurance by various insurance companies, what they are best known for, and the discounts they offer to the residents of Billings, Montana.
Auto Insurance Discounts From the Top Providers in Billings, MT
| Insurance Company | Anti-Theft | Auto-Pay | Bundling | Good Driver | Good Student |
|---|---|---|---|---|---|
| 10% | 9% | 25% | 25% | 25% |
| 25% | 4% | 25% | 25% | 20% |
| 10% | 5% | 20% | 30% | 15% |
| 25% | 7% | 25% | 26% | 15% |
| 35% | 15% | 25% | 20% | 12% |
| 5% | 10% | 20% | 40% | 18% |
| 25% | 12% | 10% | 30% | 10% |
| 15% | 13% | 17% | 25% | 35% |
| 10% | 3% | 5% | 15% | 12% |
| 15% | 10% | 13% | 10% | 8% |
This will better assist you in looking for the best car insurance policy for your vehicle and financial requirements. To better understand these top insurance providers, enter your ZIP code and start comparing rates.
Read more: Car Insurance Discounts
Best Billings, MT Auto Insurance Coverage Options
In Montana, auto insurance coverage requirements include minimum liability limits of $25,000/person, $50,000/accident for bodily injury, and $10,000 allotted for property damage liability.
Billings, MT Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | A | Low population density leads to minimal congestion and fewer traffic incidents. |
| Vehicle Theft Rate | A- | Auto theft rate is lower than national average, reducing insurance risk. |
| Average Claim Size | B+ | Claims are slightly below national average, keeping premiums relatively stable. |
| Weather-Related Risk | B | Moderate risk for hail and snow; less frequent severe weather than other areas. |
| Uninsured Drivers Rate | C+ | Slightly higher-than-average number of uninsured drivers increases premiums. |
While uninsured motorist bodily injury coverage and medical payments are not required, the most common coverage amounts are $25,000/$50,000 and $5,000, respectively.
Collision and comprehensive coverage are also not required by the state, but typical policies often include a $500 deductible for collision and a $250 deductible for comprehensive coverage.
Billings, MT Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents Per Year | 3,200 |
| Claims Per Year | 2,750 |
| Average Claim Cost | $4,200 |
| Percentage of Uninsured Drivers | 13% |
| Vehicle Theft Rate | 265 thefts per 100,000 people |
| Traffic Density | Low |
| Weather-Related Incidents | Moderate (hail/snow-related) |
Many drivers opt for higher coverage limits, such as $100,000/$300,000 for bodily injury liability and $50,000 for property damage liability, to ensure better financial protection.
In other words, Montana drivers have some of the country’s lowest state requirements for automotive insurance. But that doesn’t mean your coverage should take a backseat. Liability only pays out claims if you were the one who caused the accident or the damage. In every other scenario, you may be financially liable.
Read more: Safe Driver Discount
Factors Affecting Auto Insurance Rates in Billings
Billings, Montana, car insurance companies evaluate several variables when calculating insurance prices, particularly gender, driving violations, credit score/rating, education, and multiple cars and drivers.
Auto Insurance Monthly Rates in Billings, MT by Provider & Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $120 | $145 | $190 |
 | $115 | $140 | $185 |
 | $118 | $142 | $188 |
 | $110 | $135 | $180 |
| $125 | $150 | $195 |
| $112 | $138 | $182 |
 | $115 | $140 | $190 |
 | $110 | $130 | $170 |
| $118 | $143 | $187 |
| $114 | $139 | $183 |
ZIP code impacts your auto insurance premium in many ways. In many cases, the least expensive car insurance is usually found in cities with a lower population density. Because fewer automobiles are traveling the road, there are fewer opportunities to get into a serious car accident with another motorist.
Auto Insurance by ZIP Code in Best Billings, MT
| ZIP Code | Rates |
|---|---|
| 59101 | 118 |
| 59102 | 116 |
| 59105 | 118 |
| 59106 | 115 |
| 59103 | 119 |
Also, finding cheap auto insurance can be tough if you are at risk for auto theft. Several standard automobile models are usually popular with thieves, in addition to motor vehicles, which might be parked typically in big cities.
Credit score can also affect how much your auto insurance is. Drivers with poor credit scores pay at least twice as much as drivers with perfect credit. This might not be a budget-breaker for some companies, but it can push your premiums into the triple digits with other providers.
Auto Insurance Monthly Rates in Billings, MT by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $265 | $285 | $150 | $165 | $125 | $130 | $110 | $115 |
| $250 | $270 | $140 | $155 | $115 | $120 | $100 | $105 |
| $255 | $275 | $145 | $160 | $120 | $125 | $100 | $105 |
| $220 | $235 | $120 | $135 | $105 | $110 | $90 | $95 |
| $270 | $295 | $155 | $170 | $130 | $135 | $115 | $120 |
| $240 | $260 | $135 | $150 | $110 | $115 | $95 | $100 |
| $250 | $270 | $140 | $155 | $120 | $125 | $105 | $110 |
| $240 | $260 | $130 | $145 | $110 | $115 | $95 | $100 |
| $255 | $275 | $145 | $160 | $120 | $125 | $105 | $110 |
| $245 | $265 | $135 | $150 | $115 | $120 | $100 | $105 |
Unfortunately, teenage drivers will be charged significantly higher rates, no matter what. Good Student or Driver’s Ed discounts can help some, and certain Billings, Montana, auto insurance companies are more forgiving than others. There are also some minor factors to consider when shopping for auto insurance.
Auto Insurance Monthly Rates in Billings, MT by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $125 | $145 | $165 | $220 |
| $120 | $140 | $160 | $210 |
| $122 | $142 | $162 | $215 |
| $110 | $130 | $150 | $200 |
| $130 | $155 | $175 | $235 |
| $115 | $135 | $155 | $205 |
| $118 | $138 | $158 | $210 |
| $112 | $132 | $152 | $190 |
| $120 | $140 | $160 | $215 |
| $117 | $137 | $157 | $208 |
Getting vehicle insurance discounts is easy if you know how and what policies you can bundle. And it’s even easier to take advantage of those savings if you’re married. Married couples can bundle their auto policies and things like homeowners or homeowners insurance.
Married couples can save more by bundling auto with home or renters insurance—ask your provider about multi-policy discounts.
Jeff Root Licensed Insurance Agent
As discussed earlier, comprehensive coverage is necessary to protect yourself from Billings’ notoriously high auto theft rates – but it can also be costly. One way to lower your monthly expenses is to increase your deductible.
Just make sure you have a little extra cash in case you ever need to file that claim. Understand better the factors affecting your car insurance premium by entering your ZIP code.
Enter your ZIP code below to compare auto insurance rates.
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Frequently Asked Questions
What are the minimum auto insurance coverage requirements in Montana?
Montana requires minimum liability limits for car insurance in Billings, MT, including $25,000 per person and $10,000 for property damage. This requirement affects all auto insurance in Billings and is crucial when selecting cheap auto insurance in Montana.
What are the best auto insurance providers in Billings, MT?
State Farm, Geico, and Progressive are top car insurance companies in Billings, MT. They offer affordable auto insurance options in Billings, MT, and have a strong reputation among local auto insurance companies. To know more of these top providers, enter your ZIP code.
What unique discount program does Progressive offer to drivers in Billings?
Progressive’s Snapshot program rewards safe drivers and is ideal for Montana residents seeking cheap auto insurance through tech-driven car insurance Billings MT discounts.
Read more: Ultimate Road Safety Guide
How does a driver’s credit score impact auto insurance rates in Billings, MT?
Billings, MT, car insurance premiums can double for those with poor credit, a major cost factor in both cheap car insurance in Billings and statewide Montana cheap car insurance.
What optional coverage types are commonly included in full coverage auto insurance policies?
Full coverage policies for auto insurance in Billings, MT, typically include deductibles, making them a smart choice for those wanting more than minimum local car insurance. Choose your coverage type now by entering your ZIP code.
Why might married couples receive lower insurance rates or additional discounts?
Married drivers in Billings often enjoy better rates by bundling with local auto insurance, which helps secure cheap car insurance in Billings, MT, through multi-policy discounts.
Read more: Different Types of Car Insurance
Which company is recommended for AARP discounts in Billings, MT?
The Hartford stands out for offering AARP savings, making it a top choice for seniors needing cheap auto insurance in Montana from local car insurance companies.
How does ZIP code influence auto insurance premiums in Billings?
ZIP codes in Billings influence car insurance Billings rates due to accident risks and theft data, impacting the availability of affordable auto insurance in Billings, MT, and local car insurance offers. Enter your ZIP code now to start comparing rates.
Why might increasing your deductible help lower your monthly insurance premium?
Raising your deductible is a cost-saving method in Montana’s cheap auto insurance plans. It is often used in both Billings car insurance and other cheap car insurance Billings MT policies.
Which insurance provider provides the best customer satisfaction in Billings, MT?
State Farm ranks #1 in customer satisfaction for car insurance in Billings, offering trusted local car insurance companies’ services and proving a top contender for auto insurance in Billings, MT.