Billings, MT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Billings, MT, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Save Up To $99 on a Single Auto-Theft Device in Billings, MT
The average cost of auto insurance in Billings, MT, is as low as $1,408. Car owners in Billings can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Billings.
Driving Record:
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
For instance, post-DUI, the cost of auto insurance in Billings, can amount to $2,353 from $1,408. That’s significantly more than the average cost of auto insurance in Billings. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving.
Multi-Car Insurance:
Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Billings is $2,478, while the cost of insuring four vehicles under this policy is $4,956. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts.
Discounts for Students:
Teenagers in Billings pay $4,569 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.
Anti-Theft Discounts:
Car insurers across Montana offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling tool helps save the most on auto insurance in Billings.
Factors that can influence the cost of car insurance in Billings, MT are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Billings, MT Auto Insurance Rates
- Billings, MT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Billings, MT
- Multi Vehicle Insurance Savings in Billings, MT
- How Credit Score Affects Car Insurance Rates in Billings, MT
- How DUI Affects Auto Insurance Premiums in Billings, MT
- Top Auto Insurance Agents Near Billings, MT
- How Driving Violations Affect Auto Insurance Rates in Billings, MT
- Billings, MT Auto Insurance Discounts on Anti Theft Feature
- Billings, MT Auto Insurance Company Reviews
Billings, MT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Billings, MT with that of other cities in and around Billings.
| Billings | Yellowstone County | Huntley | South Yellowstone | Northwest Yellowstone | Shepherd | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,408 | $1,416 | $1,386 | $1,435 | $1,462 | $1,446 |
Billings, MT Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Billings, MT based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Billings | $958 | $809 |
| Lockwood | $1,667 | $1,408 |
| Laurel | $1,776 | $1,500 |
| Shepherd | $1,529 | $1,291 |
| South Yellowstone | $1,776 | $1,500 |
| Huntley | $1,296 | $1,094 |
| Northwest Yellowstone | $1,368 | $1,155 |
| Yellowstone County | $1,692 | $1,429 |
Billings, MT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Billings, MT usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,569 |
| 20 Years | $1,809 |
| 30 Years | $1,393 |
| 40 Years | $1,341 |
| 50 Years | $1,242 |
| 60 Years | $1,259 |
| 70 Years | $1,465 |
Billings, MT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Billings, MT can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,478 | $338 |
| 3 Vehicles | $3,717 | $507 |
| 4 Vehicles | $4,956 | $676 |
Savings on 2 Vehicles bundle:$338
Savings on 3 Vehicles bundle:$507
Savings on 4 Vehicles bundle:$676
Billings, MT Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Billings, MT.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Billings | $1,408 | $2,353 |
| Lockwood | $1,390 | $2,323 |
| Laurel | $1,435 | $2,398 |
| Shepherd | $1,446 | $2,416 |
| South Yellowstone | $1,435 | $2,398 |
| Huntley | $1,386 | $2,316 |
| Northwest Yellowstone | $1,462 | $2,443 |
| Yellowstone County | $1,416 | $2,366 |
Billings, MT Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,208 |
| Excellent (740-799) | $1,379 |
| Good (670-739) | $1,467 |
| Average (580-669) | $1,914 |
| Poor (300-579) | $2,297 |
Billings, MT Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Peggy D. Schneider | Allstate | 2646 Grand Ave Ste 3, Billings, 59102 | (406) 855-0159 |
| Randy Glover | State Farm | 801 15th St W Uppr Right, Billings, 59102-4177 | 406-248-1104 |
| Howard J Stagg | Travelers | 1597 AVE D STE 5, BILLINGS, 59102 | 406-248-2900 |
| Arne Mysse Insurance | None | 5549 Walter Hagen Drive, Billings, 59106 | None |
| Hub International Mountain States Limited | Liberty Mutual Independent | 3533 Gabel Rd, Billings, 59102 | (406) 652-9151 |
| Darnielle Insurance Agency | Liberty Mutual Independent | 1320 28Th Street West, Billings, 59102 | None |
| Leavitt Great West Insurance Services | Liberty Mutual Independent | 2345 King Avenue Suite B, Billings, 59102 | None |
Billings, MT Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$62 | $1,470 |
| Driver's Failure In Showing Documents | +$137 | $1,545 |
| Driving With An Expired Registration | +$145 | $1,553 |
| Driving At A Considerably Slow Pace | +$306 | $1,714 |
| Using A Cellphone While Driving | +$322 | $1,730 |
| Running A Red Light | +$328 | $1,736 |
| Speeding | +$345 | $1,753 |
| Driving A Vehicle Without The Required Permission | +$438 | $1,846 |
| Driving With An Expired/Suspended License | +$949 | $2,357 |
Billings, MT Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,352 |
| Active Disabling Device | $1,352 |
| Tracking Device | $1,324 |
| Passive Disabling Device | $1,309 |
Latest Auto Insurance Reviews in Billings, MT | Back to Top
ProgressiveI would highly recommend Progressive because they really take the time to care for their customers, and offer the most customizable policy options in comparison to other car insurance companies.
AllstateAllstate has many offices local to my home and they contact me periodically to check on my protection needs. I would highly recommend them due to their customer service.
Farmer's InsuranceI think the price for my auto insurance is competitive with other companies. I have had no problems with the coverage.
State FarmI am very satisfied with State Farm. Like my home policy, they are always there and have great service whenever I have an issue.
Farmer's InsuranceI would reccommend farmers insurance to someone if they didn't mind the cost of the insurance. It doesn't seem bad until you look at the fact that it's only one vehicle in your household.
Acuity InsuranceI really like auto insurance policies because I'm very safe with the insurance companies
Acuity InsuranceI really like auto insurance policies because I'm very safe with the insurance companies
ProgressiveI love the fact that Progressive has an app that's super easy to use and extremely easy to get your car insurance documents from.
State FarmThere'a variety of products and services beyond auto insurance as well. Like rental insurance, health insurance, life insurance and health savings account.
AllstateI have comprehensive insurance for the car which I currently have financed. I have the minimum levels for coverage required by my state.
NationwideI chose this policy specifically because it will cover all of our antique vehicles under one policy without costing additional money.
AllstateI like that they are always easily reached. Not only in person at my agent's office, but by phone. They are always there and have even been very responsive by email, which is a bonus in this industry. I am happy with their customer support.
State FarmThey have listened to my concerns and helped me get the best coverage for what I can afford. They are fast & reliable.