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Cheap Car Insurance in Billings, Montana

Locate cheap car insurance in Billings, Montana's largest city and the seat of Yellowstone County. Located on the Yellowstone River and home to an estimated 110,323, Billings was originally a railroad town, named for Northern Pacific's President Frederick Billings in 1882. Today, it is home to a diverse economy and revitalized downtown district. Known for affordable living and very cold winters, Billings is a city made up of smaller, close-knit communities.

Driving Conditions in Billings

Billings lies near the convergence of Interstate 90 and Interstate 94. U.S.

Highway 87 is known as Main Street and runs through the center of town. Montana in general has the shortest work commutes in the U.S., though according to locals, winter blizzards present a bigger challenge than traffic congestion. Montana also has curvy, mountainous roads that call for slower speeds and added caution.

Drivers can use studded tires on Montana roads only from Oct. 1 to May 31, according to the Montana Department of Justice.

The average commute time for Billings is about 17 minutes, about nine minutes shorter than the U.S. average, according to Census Bureau data.

Unique Laws in Billings

Medical marijuana is legal in the state of Montana, though the Billings City Council has prohibited medical marijuana operations within the city limits.

Beginning in 2018, Montana is charging more for drivers to register vehicles -- about $6 more for cars, pickups and light vehicles four years old or newer.

Among some of the odd laws reportedly on the books in Montana, married women are prohibited from going fishing alone on Sundays, it's illegal to have more than one alarm clock going off at the same time and also to have a sheep in cab of your truck without a chaperone.

Billings Crime Statistics

Violent crime rates in Billings are slightly above the national average, while property crimes are significantly higher. Data compiled by the Federal Bureau of Investigation for 2016 states there were 514 violent crimes in Billings, none of which were murder. The local violent crime rate of 461 offenses per 100,000 residents is slightly above the average violent crime rate of 386 offenses per 100,000 in the U.S.

The property crime rate in Billings the same year was 4,680 offenses per 100,000 residents, also above the U.S. average of 2,451 incidents per 100,000 residents. Within the city, 795 vehicles were stolen in 2016, FBI data shows, a rate of 713 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Billings safety requirements

Montana law requires children younger than 6 or under 60 pounds be secured in federally approved safety seat or booster. Everyone in the car, front or back, must wear a seat belt.

Billings, along with Missoula, Helena, Great Falls and a handful of other cities, have all enacted a citywide ban on driving while texting. No statewide ban currently exists. The fine for a violation in Billings ranges from $100 to $300, though citations do not currently impact auto insurance rates.

Billings impaired driving laws

Drivers in Montana be charged with driving under the influence if they are found to have a blood alcohol content, or BAC, of .08 or higher, according to the Montana Department of Justice. For those under age 21, the BAC falls to .02. For those who refuse to submit to a BAC test, peace officers may seize their drivers licenses. First offenders convicted of DUI may receive up to six months in jail and a fine of up to $1,000. Parts of the jail sentence can be suspended, pending the completion of a court-ordered chemical dependency program. No matter what your driving record or history, you can find cheap car insurance in Billings, Montana.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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