For a 40-year-old driver with a clean record, car insurance in Billings, MT, averages about $191 a month ($2,295 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 7% above the Montana average of $178 a month. Full-coverage averages in Billings run from about $95 to $265 a month across the five insurers we price. Use these averages as a benchmark when you compare auto insurance quotes in Billings, MT.
Billings, the Yellowstone County seat, costs more than most of Montana for our benchmark driver: about $13 a month more than the Montana average. It’s the most expensive of our six Montana city guides and the eighth-most expensive of the 37 Montana cities and towns we price. Our guide to Montana car insurance quotes has statewide prices.
Liability-only coverage stands out: at about $52 a month at 25/50/10 limits, it’s 21% above the Montana liability-only average of $43 and the highest of the 37 Montana cities and towns we price. Our data covers four ZIP codes with a Billings mailing address, from about $188 a month in 59105 to $196 in 59101 for full coverage.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Billings ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 2, 2026.
How Much Does Car Insurance Cost in Billings, MT?
Car insurance in Billings, MT, costs about $191 a month ($2,295 a year) for full coverage and $52 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 7% above the Montana average of $178 a month.
- Full coverage (100/300/100, $500 deductibles): $2,295 a year ($191 a month)
- 50/100/50 with $500 deductibles: $2,145 a year ($179 a month)
- Liability only (25/50/10): $621 a year ($52 a month)
- Yellowstone County: $2,283 a year ($190 a month) for full coverage
- Montana average: $2,136 a year ($178 a month) for full coverage
- ZIP code range: $188 (59105) to $196 (59101) a month for full coverage
Safeco is priced far below the other insurers here, at about $95 a month for full coverage, less than half the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Safeco, the Billings average would be about $215 a month.
Cheapest Car Insurance in Billings, MT: Companies Compared
- Full-coverage range: about $95 to $265 a month across the five insurers in our rate data, for the same driver and car.
- Lowest liability-only average among insurers open to all drivers (25/50/10): State Farm, at about $38 a month, then GEICO at $40.
- Also on our list: USAA at about $145 a month for full coverage, Nationwide at $166 and Allstate at $274 (USAA sells only to military families).
- Most expensive among insurers we rank: Farmers, at about $265 a month.
Safeco’s Billings average, about $95 a month, is 37% below State Farm’s ($150), a lead wide enough that we show the range instead of naming a single cheapest insurer. Seven of the eight statewide Montana rate studies we reviewed rank State Farm cheapest for full coverage, apart from USAA, which sells only to military families; the eighth, which shows no publication date, puts Nationwide first. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among insurers open to all drivers, at about $38 a month, with GEICO close behind at $40.
Full-coverage averages by insurer in Billings
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Safeco | $512 | $43 | $1,139 | $95 |
| State Farm | $454 | $38 | $1,797 | $150 |
| GEICO | $474 | $40 | $2,532 | $211 |
| Progressive | $604 | $50 | $2,829 | $236 |
| Farmers | $1,060 | $88 | $3,177 | $265 |
| USAA (military families)* | $380 | $32 | $1,743 | $145 |
| Nationwide* | $855 | $71 | $1,991 | $166 |
| Allstate* | $737 | $61 | $3,293 | $274 |
| Billings average | $621 | $52 | $2,295 | $191 |
This table uses Billings ZIP codes only. See how we calculated these rates.
Billings Car Insurance Rates by ZIP Code
Across the four Billings ZIP codes we price, full coverage for our driver ranges from about $188 a month in 59105 to $196 in 59101, a gap of $85 a year. 59101, the ZIP code nearest downtown, is the most expensive Billings ZIP code in our data, and 59105, on the north side, the least expensive.
Lowest-priced Billings ZIP codes
Highest-priced Billings ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Billings’ average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 59101 | $630 | $53 | $2,346 | $196 | +3% |
| 59102 | $623 | $52 | $2,268 | $189 | -1% |
| 59105 | $608 | $51 | $2,261 | $188 | -2% |
| 59106 | $622 | $52 | $2,303 | $192 | +1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Billings?
Raising liability limits from 50/100/50 to 100/300/100 adds about $150 a year on average in our Billings data, with the same $500 deductibles. That’s about $13 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Billings?
Yes, for our benchmark driver. Comparing the same insurers in the same Billings ZIP codes, full coverage averaged $2,262 a year in rates as of Nov. 30, 2025, and $2,295 as of Aug. 31, 2026, a 1.5% increase. Farmers raised its average 4.0% and State Farm 2.5%, while GEICO’s, Progressive’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/10 limits rose 5.6%, led by Farmers, which raised its liability-only average 18.0%.
Why Does Car Insurance Cost More in Billings?
Yellowstone County averages about $190 a month for full coverage, the seventh-most expensive of the 23 Montana counties we price. Laurel, about 15 miles southwest and also in Yellowstone County, averages $187, a little less than Billings.
Hardin, about 43 miles east in Big Horn County, costs more, at about $213 a month, the highest of the 37 Montana cities and towns we price. Only seven of those places cost more than Billings: Hardin, Browning, Bigfork, Libby, Kalispell, Cut Bank and Wolf Point. Prices depend on where in Montana you live, not just on your car and driving record.
How Billings Car Insurance Compares With Other Montana Cities
More Montana cities and towns are in the Montana rates by city table, and you can compare states on our car insurance rates by state page.
Bozeman, about 125 miles west, averages $169 a month, and Great Falls, about 180 miles northwest, $182. Helena, the state capital, averages $165.
What Car Insurance Is Required in Billings?
Drivers in Billings follow Montana’s rules. Every car insurance policy for a vehicle registered and driven in Montana must include at least:
- Liability coverage of $25,000 per person and $50,000 per crash for injuries and $20,000 for property damage (25/50/20)
- Uninsured motorist coverage at 25/50, which comes with the policy unless you sign a form rejecting it
The liability-only prices on this page use 25/50/10 limits, so their $10,000 in property damage coverage is below that minimum. Our Montana requirements guide covers proof of insurance, the state’s verification system and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Billings
- Compare Safeco and State Farm first. They have the two lowest full-coverage averages of the five insurers we price in Billings, about $95 and $150 a month.
- Quote several insurers. Among the insurers we rank in Billings, the lowest and highest averages are about $170 a month apart for the same driver and car.
- Know where to turn with a claim problem. The Commissioner of Securities and Insurance takes insurance complaints online and at 800-332-6148.
- Compare at every renewal. Since November 2025, Farmers has raised its average 4.0% and State Farm 2.5%, so the order in our table can shift.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Montana home insurance rates.
Ready to compare
How We Calculated Billings Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 20 full-coverage premiums from five insurers across four Billings ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/10 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Montana’s minimum is now 25/50/20, so our liability-only prices use lower limits than the law requires: $10,000 in property damage liability instead of $20,000.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Montana rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Montana law and the Montana Commissioner of Securities and Insurance. We refresh these figures when new rate data is released.
Billings Car Insurance FAQ
Car insurance in Billings, MT, costs about $191 a month ($2,295 a year) for full coverage and $52 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 7% above the Montana average of $178 a month.
It depends on the coverage. For full coverage, averages in Billings run from about $95 to $265 a month across the five insurers we price, and the gap between the two lowest of those five is too wide for us to call one insurer the cheapest. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among insurers open to all drivers, at about $38 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Billings full coverage averages about $191 a month and Bozeman about $169, a difference of about $22 a month for the same driver and car.
In our data, 59105 has the lowest full-coverage average in Billings, at about $188 a month, and 59101 the highest, at about $196. The ZIP code table on this page lists all four.
Drivers in Billings follow Montana’s rules: liability coverage of at least $25,000 per person and $50,000 per crash for injuries and $20,000 for property damage (25/50/20), and every policy includes uninsured motorist coverage at 25/50 unless you sign a form rejecting it. The liability-only prices on this page use 25/50/10 limits, below that minimum, and liability-only coverage won’t pay to repair your own car.
No. Montana is an at-fault state: the driver who causes a crash is responsible for the damage, which is what their liability coverage pays for. You can recover damages from the other driver as long as you weren’t more at fault than they were.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
