Billings Car Insurance

Your Complete Guide to Billings, MT, Car Insurance

(Don't pay more than you have to for your auto insurance coverage)

If you live in Billings, Montana, you are required by law to carry certain minimum amounts of auto liability insurance. Designing a car insurance policy that meets your needs, meets the standards set forth by the state of Montana, and fits into your family's budget can seem daunting. 

When you work with an independent insurance agent in Billings, you'll get the benefit of their expertise as you make decisions about your car insurance. Your agent can help make finding the right insurance company and the right types of insurance simple. Get started comparing your customized quotes right away. 

How Much Does Car Insurance Cost in Billings, MT?

Billings residents pay an average of 13.1% more for auto insurance than the national average. Shopping around can help you minimize the amount of money you'll pay for essential car insurance coverage.

  • National average annual car insurance cost: $1,311
  • Montana average annual car insurance cost: $1,615

When you get quotes from different insurance companies, you'll notice there can be a big difference between their rates. This is because insurance companies all have different criteria for deciding how much risk you pose as a driver. Your rates may be based on some of these factors:

  • The make, model, and year of every vehicle you are insuring
  • Your age, gender, occupation, and marital status
  • Your driving record and credit score
  • Information about other licensed drivers in your household
  • Whether you own or rent your home
  • The amount of your deductible
  • The amount of liability insurance you are purchasing
  • The coverage options you are including in your policy

You may get discounts on your insurance policies if you bundle your car insurance with your home insurance or renters insurance. Your agent can talk with you about other ways to get discounts, like maintaining a good driving record.

What Does Billings Car Insurance Cover?

Your car insurance policy is a mixture of required and optional coverage. As a Billings resident, you must follow Montana's laws about the minimum amount of liability insurance you need. The state requires all drivers to carry bodily injury and property damage liability coverage. 

If you have a lease or loan on your car, your lender may also require you to carry "full coverage" that includes comprehensive and collision coverage.

You can expect your insurance provider to offer the following types of coverage:

  • Liability insurance: (Required)  This covers other people’s injuries and damage if you cause an accident. Your policy must include:
    • Bodily injury liability coverage:  At least $25,000 per person and $50,000 per accident
    • Property damage liability coverage:  At least $10,000 per accident.
  • Personal injury protection (PIP): (Optional) This policy pays your medical bills after a covered accident, no matter who is at fault. 
  • Uninsured motorist insurance: (Optional) This policy pays for damage after a hit-and-run accident. It also pays to repair or replace your vehicle if you are in an accident with a driver who doesn't have the insurance they need to pay for damages. 
  • Collision insurance: (Partially optional) This policy pays to fix or replace your car if you are in a crash. 
  • Comprehensive insurance: (Partially optional) This policy pays to fix or replace your car if it's vandalized, is in a flood, is hit by a falling object or is in a fire. It also pays if your car is stolen. 
  • Roadside assistance and towing: (Optional) This policy gets you help if you need to be towed due to mechanical failure. It also helps you get back on the road if you get a flat tire, run out of gas, or lock your keys in your car. 
  • Rental reimbursement coverage: (Optional) This policy pays to rent a car for you if your vehicle is undergoing repairs after a covered accident.

Talk with your agent to understand how much coverage you can afford and to discuss which policies work best for you.

What Is the Penalty for Driving without Insurance in Billings?

Montana drivers must carry certain minimum amounts of insurance. If caught, uninsured drivers face the following:

Misdemeanor charge

First offense: Minimum $250 fine or up to 10 days in jail

Second offense: Minimum $350 fine or 10 days in jail, driver license revoked for 90 days, 5 points on your driving record

Third offense: Fine of $500 or by imprisonment for not more than six months, or both

In Montana, there are fewer uninsured and underinsured drivers than there are across the country. There's still nearly a one-in-ten chance that if you are in an accident in Montana, the other driver is uninsured. 

  • Percentage of US drivers who are uninsured: 13%
  • Percentage of Montana drivers who are uninsured: 9.9%

You aren't required to purchase uninsured motorist coverage in Montana. If you choose this important coverage, you'll be able to get your car fixed or replaced and your medical bills paid, even if the other driver doesn't have state-mandated insurance. 

How High Is the Auto Theft Rate in Billings?

The auto theft rate in Montana is slightly higher than the national average:

  • National auto theft rate per 1,000 vehicles: 2.37%
  • Montana auto theft rate per 1,000 vehicles: 2.63%

Your risk of having your vehicle stolen in Billings is still quite low. If you are the victim of auto theft, you'll be reimbursed for your loss if your auto insurance policy includes comprehensive coverage. 

This coverage also handles damage from garage fires, fallen trees, hail, and a wide range of other non-collision damage. 

You may already have comprehensive coverage if you have a loan or lease on your car. Your agent can help you understand which coverage you currently have and which policies you may want to add. 

Why Work with an Independent Insurance Agent in Billings, MT?

When you are shopping for auto insurance, having an independent insurance agent on your side can save you time and make buying great insurance simple. Your agent will shop multiple insurance companies so you'll get the most insurance for your money. 

Discover the important benefits of working with an independent agent in Billings. Contact an agent today and start comparing your customized quotes. 

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