Updated March 2026
See all Montana auto insurance rates →
What Affects Rates in Billings
- I-90 serves as the primary east-west artery through Billings, with heavy commuter traffic between downtown and the Heights neighborhood. I-94 branches north toward Miles City, adding truck traffic and wildlife crossings that increase collision frequency. Rush-hour congestion on 27th Street and King Avenue West elevates minor accident rates compared to rural Montana highways.
- Residential growth in the Shiloh Road and Grand Avenue corridors has extended average commute distances and increased reliance on personal vehicles. Newer subdivisions west of Zimmerman Trail lack walkability, making comprehensive and collision coverage more relevant for daily drivers. Garaging in these areas typically results in lower theft risk than older central neighborhoods.
- Billings experiences frequent high-wind events, particularly spring chinook winds that can exceed 60 mph and cause vehicle damage from debris. Hailstorms are common May through August, with the Rims offering little protection for parked vehicles. Comprehensive coverage claims spike during these months, influencing annual premium calculations.
- Montana's uninsured driver rate sits near 12%, and Billings reflects this statewide trend despite urban characteristics. Commuters on I-90 and Highway 87 face higher exposure to out-of-state and underinsured drivers. Uninsured motorist coverage is critical for protecting against hit-and-run incidents in parking areas near MetraPark and downtown.
- Winter ice storms and black ice on the Rims Drive and Airport Road create collision hazards from November through March. Temperature swings cause rapid freeze-thaw cycles that damage pavement and increase pothole-related claims. Summer road construction on Grand Avenue and Main Street slows traffic but reduces average speeds, slightly lowering accident severity.
Coverage Options
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
Covers injury and property damage you cause to others in an at-fault accident.
Bundles liability, collision, and comprehensive into a complete protection package.
Pays for non-collision damage including hail, wind, theft, and animal strikes.
Covers damage to your vehicle from accidents, regardless of fault.
Protects you when hit by a driver with no insurance or insufficient coverage.
Liability Insurance
Montana requires 25/50/20 minimum limits, but I-90 commuters should consider higher limits given multi-vehicle pileup risk during winter weather.
$350–$600/yearEstimated range only. Not a quote.
Full Coverage
Essential for financed vehicles and recommended for west-end commuters facing hail, wind, and highway collision exposure on I-90 and Shiloh corridors.
$1,100–$1,650/yearEstimated range only. Not a quote.
Comprehensive Coverage
Hailstorms between May and August and deer crossings on Highway 87 make this critical for Billings drivers, especially those without garage parking.
$250–$450/yearEstimated range only. Not a quote.
Collision Coverage
Winter ice on the Rims and rush-hour congestion on 27th Street increase fender-bender frequency, making this valuable for newer vehicles.
$400–$700/yearEstimated range only. Not a quote.
Uninsured Motorist Coverage
With Montana's 12% uninsured rate and high I-90 through-traffic, this coverage addresses hit-and-run risk near MetraPark and downtown parking areas.
$100–$200/yearEstimated range only. Not a quote.