Cheapest car insurance companies in Billings
A recent data analysis by Insurance.com found the cheapest car insurance companies are Nationwide and State Farm in Billings for 2023.
The car insurance company in Billings that provides the cheapest car insurance premiums is Nationwide, with an average annual rate of $1,318 .
Car insurance prices in Billings can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Billings drivers.
| Companies | Average annual rates |
|---|---|
| USAA | $925 |
| Nationwide | $1,318 |
| State Farm | $1,738 |
| Geico | $2,220 |
| Progressive | $2,336 |
| Kemper Insurance | $2,658 |
| Farmers | $3,003 |
| Allstate | $3,057 |
Cheapest car insurance cost in Billings by Age Group
The cheapest auto insurance company in Billings for teen drivers is USAA. For full coverage, its average annual rate for Billings drivers is $3,393. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
When compared to other car insurance companies, USAA turned out to be the cheapest car insurance company for young drivers in Billings, offering full coverage at an annual average cost of $1,471.
Drivers in Billings stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. USAA has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $945 a year.
Billings senior drivers seeking affordable car insurance should look no further than USAA. It offers the cheapest car insurance rates for seniors, with an average annual premium of $973. It makes USAA a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $3,393 | $1,471 | $945 | $973 |
| Nationwide | $3,941 | $2,188 | $1,324 | $1,222 |
| State Farm | $4,714 | $2,779 | $1,724 | $1,672 |
| Geico | $6,760 | $4,068 | $2,175 | $2,727 |
| Progressive | $7,679 | $4,057 | $2,375 | $2,325 |
| Farmers | $9,386 | $3,768 | $2,864 | $3,021 |
| Kemper Insurance | $9,544 | $4,885 | $2,710 | $2,335 |
| Allstate | $10,081 | $4,877 | $3,021 | $3,016 |
Cheapest car insurance companies in Billings by driver profile
Car insurance rates in Billings vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.
Comparison shopping is the key to getting the cheapest car insurance rates in Billings. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Here's a list of car insurance companies that offer cheap insurance rates in Billings based on driver profile.
- Cheapest for a driver with poor credit: USAA
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: USAA
Drivers in Billings with poor credit can get the cheapest car insurance from USAA at an average cost of $1,992 a year, according to a data study by Insurance.com.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Billings.
| Company | Average annual rates |
|---|---|
| USAA | $1,992 |
| Progressive | $2,063 |
| Nationwide | $2,158 |
| Geico | $2,208 |
| State Farm | $2,519 |
| Farmers | $3,726 |
| Allstate | $3,762 |
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Billings with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,165.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,165 |
| State Farm | $1,344 |
| Progressive | $1,813 |
| Nationwide | $1,944 |
| Geico | $2,021 |
| Allstate | $2,691 |
| Farmers | $2,715 |
Cheapest auto insurance after an at-fault accident: USAA
According to Insurance.com's analysis, USAA tops the list of cheap car insurance providers in Billings for drivers involved in at-fault accidents, with an average annual cost of $1,325. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget.
| Company | Average annual rates |
|---|---|
| USAA | $1,325 |
| State Farm | $1,435 |
| Progressive | $2,301 |
| Nationwide | $2,515 |
| Geico | $2,909 |
| Allstate | $3,521 |
| Farmers | $3,694 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the carrier that offers cheap auto insurance rates in Billings for drivers after a DUI. Its average annual rate for full coverage is $1,344.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| State Farm | $1,344 |
| Progressive | $1,875 |
| USAA | $2,026 |
| Nationwide | $3,499 |
| Farmers | $3,819 |
| Allstate | $3,950 |
| Geico | $8,562 |
Average car insurance cost in Billings
Full coverage car insurance in Billings for a coverage limit of 100/300/100 is $2,157 per year or $180 per month, while the state minimum coverage costs an average of $433 a year.
Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,157 | $433 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
