Updated March 2026
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What Affects Rates in Billings
- The I-90/I-94 interchange near downtown handles the highest accident volume in Montana, with rear-end collisions and highway merges accounting for most claims. King Avenue and Main Street see daily bottlenecks during commute hours. Higher collision frequency here raises premiums compared to rural Montana counties.
- Billings experiences rapid weather changes as storms descend from the Rimrocks, especially in spring and early summer. Hail damage claims spike June through August, and black ice forms quickly on elevated roads like Rimrock Road and Airport Road. Comprehensive coverage costs reflect this hail exposure.
- West End and Heights neighborhoods show different risk profiles. The South Side near MetraPark has higher theft rates, while the West End's newer construction and commuter traffic lead to more frequent minor collisions. Downtown parking areas see elevated vandalism claims compared to suburban subdivisions off Shiloh Road.
- Yellowstone County's uninsured motorist rate runs near 12%, slightly below the state average but higher than many suburban markets. Uninsured motorist coverage is essential on high-traffic routes like 24th Street West and Grand Avenue where exposure to uninsured drivers increases.
- Many Billings workers commute east to industrial areas in Lockwood and Laurel, adding 20–40 miles daily on US-87 and Old Hardin Road. Increased mileage raises collision exposure and factors into rate calculations, especially for drivers with comprehensive and collision coverage.
Coverage Options
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
Covers damage and injuries you cause to others in an at-fault accident.
Combines liability, collision, and comprehensive for complete protection.
Covers non-collision damage like hail, theft, vandalism, and weather events.
Pays for damage to your vehicle after an accident, regardless of fault.
Protects you when hit by a driver without insurance or with insufficient limits.
Liability Insurance
Essential on I-90 where multi-vehicle collisions are frequent, especially during winter commutes and summer tourist traffic heading to Yellowstone.
$650–$950/yearEstimated range only. Not a quote.
Full Coverage
Recommended for Billings drivers facing both highway collision risk on I-90 and hail damage from Rimrock storms, especially if financing a vehicle.
$1,450–$2,100/yearEstimated range only. Not a quote.
Comprehensive Coverage
Critical in Billings due to frequent June–August hailstorms and elevated vehicle theft near MetraPark and downtown parking areas.
$320–$480/yearEstimated range only. Not a quote.
Collision Coverage
Valuable on congested corridors like King Avenue and 24th Street West where fender-benders and rear-end collisions occur regularly.
$480–$670/yearEstimated range only. Not a quote.
Uninsured Motorist Coverage
Important given Yellowstone County's 12% uninsured rate and high-traffic routes like Grand Avenue and Main Street.
$120–$190/yearEstimated range only. Not a quote.