Updated March 2026
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What Affects Rates in Billings
- The stretch of I-90 through Billings from Lockwood to Laurel sees heavy commuter traffic, particularly during oil and gas industry shifts. Rear-end collisions increase near the 27th Street and King Avenue interchanges during winter months. This corridor drives most collision claims in the city.
- The Heights neighborhood typically sees 15-20% lower comprehensive premiums than downtown Billings due to fewer vehicle break-ins and vandalism claims. If you garage your car in West End or Blue Creek subdivisions, comprehensive coverage costs less than the same coverage near the downtown core or South Side.
- Billings experiences sudden winter wind events and ice storms that create multi-vehicle pileups on I-90 and Highway 3. January through March accounts for 40% of annual collision claims. Minimum liability covers damage you cause but not repairs to your own vehicle in these conditions.
- Yellowstone County has an estimated 11-13% uninsured motorist rate, slightly above the state average. Without uninsured motorist coverage (not required in Montana), you're financially exposed if hit by an uninsured driver on Shiloh Road or Grand Avenue.
- Workers commuting between Billings and eastern Montana oil fields drive extended highway miles, increasing accident probability. These long-distance commuters on Highway 94 and I-94 face higher collision risk, but if driving an older truck, liability-only coverage keeps costs minimal.
Coverage Options
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
Montana's minimum: $25k per person, $50k per accident for injuries, $20k for property damage.
Adds coverage for your own vehicle regardless of fault, plus theft and weather damage.
Protects you when hit by drivers without insurance.
Pays for your vehicle damage when you're at fault or in a multi-car accident.
Liability Only (25/50/20)
Covers damage you cause on I-90 or King Avenue, but nothing if you slide into a guardrail on icy Zimmerman Trail.
$320-$480/yearEstimated range only. Not a quote.
Full Coverage (Liability + Comprehensive + Collision)
Worth considering if your vehicle value exceeds $4,000 and you commute daily on I-90 where winter pileups are common.
$1,200-$1,800/yearEstimated range only. Not a quote.
Uninsured Motorist Coverage
With 11-13% of Yellowstone County drivers uninsured, this coverage costs $80-$150/year and covers medical bills if you're hit on Grand Avenue.
$80-$150/yearEstimated range only. Not a quote.
Collision Coverage Only
Targets I-90 commuters who want accident protection but don't need theft coverage in low-crime Heights neighborhoods.
$400-$700/yearEstimated range only. Not a quote.