- Average car insurance cost in Billings is $2,362 per year, or around $197 per month.
- Car insurance rates for a few popular models in Billings include the Chevrolet Equinox at $2,172 per year, Tesla Model 3 at $2,770, and Honda Civic at $2,090.
- For cheap car insurance in Billings, compact SUV models like the Subaru Crosstrek, Chevrolet Trailblazer, and Buick Envision have the most affordable rates.
- Vehicles with the most affordable auto insurance in Billings for their respective segments include the Jaguar E-Pace at $2,208 per year, Honda Passport at $1,882 per year, Kia K5 at $2,274 per year, and Mercedes-Benz CLA250 at $2,428 per year.
- Auto insurance quotes in Billings can range significantly from as little as $31 per month for minimum liability insurance to well over $678 per month drivers with many accidents and violations.
How much does car insurance cost in Billings?
The average cost of car insurance in Billings is $2,362 per year, which is 3.7% more than the overall U.S. national average rate of $2,276. The average monthly cost of car insurance in Billings is $197 for a full-coverage car insurance policy.
The average car insurance expense in Montana is $2,376 per year, so Billings drivers pay an average of $14 less per year than the overall Montana state-wide average rate. The cost of insurance in Billings compared to other Montana cities is around $36 per year more than in Great Falls, $44 per year more than in Bozeman, and $82 per year more expensive than in Missoula.
The chart below shows average auto insurance rates in Billings for 2024 model year vehicles not only for different driver ages, but also for different comprehensive and collision deductibles.
Average car insurance rates in the previous chart range from $1,654 per year for a policy with high physical damage deductibles for a 60-year-old driver to $5,526 per year for a 20-year-old driver with low physical damage deductibles.
When the average rates are converted to monthly figures, the average cost of car insurance per month in Billings ranges from $138 to $461.
Driver age is one of the biggest factors in determining the cost of auto insurance, so the list below details how driver age influences cost by breaking out average car insurance rates in Billings for drivers from age 16 to 60.
Car insurance cost in Billings for drivers age 16 to 60
- 16-year-old driver – $8,410 per year or $701 per month
- 17-year-old driver – $8,146 per year or $679 per month
- 18-year-old driver – $7,303 per year or $609 per month
- 19-year-old driver – $6,653 per year or $554 per month
- 20-year-old driver – $4,752 per year or $396 per month
- 30-year-old driver – $2,520 per year or $210 per month
- 40-year-old driver – $2,362 per year or $197 per month
- 50-year-old driver – $2,092 per year or $174 per month
- 60-year-old driver – $1,958 per year or $163 per month
The previous rates shown for the average cost to insure teen drivers were based on a male driver. The next chart gets more specific and shows average car insurance cost for teenagers by gender. Young female drivers tend to have cheaper auto insurance rates than their male counterparts.
Car insurance for a 16-year-old female driver in Billings costs an average of $558 less per year than the cost to insure a male driver, while at age 19, it’s still $1,032 cheaper per year for females than males.
Popular vehicles and the cost of car insurance
The car insurance rates mentioned previously are averaged for all 2024 vehicle models, which is helpful when making general comparisons like between locations or by driver risk profile.
Average auto insurance rates are a good metric when presented with a question like “are car insurance rates in Billings cheaper than in Butte?” or “is Montana car insurance cheaper than New York?”.
But for more in-depth rate comparisons, it makes better sense to use rates for the exact vehicle being insured. Each make and model has it’s own profile for liability and physical damage claims, and this data provides for detailed comparisons.
The following chart displays insurance rates in Billings for popular vehicles. Later in this article, we will cover auto insurance rates for some of these vehicles in much more detail.
Vehicle models popular with drivers in Billings tend to be compact or midsize sedans like the Toyota Corolla, Nissan Sentra, and Honda Accord and small or midsize SUVs like the Honda CR-V and Chevy Traverse.
Some additional popular models in Billings from other vehicle segments include luxury models like the Tesla Model S, BMW X5, and Infiniti QX60 and sports cars like the Chevy Corvette, Porsche 911, and Audi TT.
We get into many more auto rates a little later in this article, but before we dive into that data, let’s go over the key concepts and comparisons covered up to this point.
- Teenage girls pay less than teen males – Teenage female drivers age 16 to 19 pay $1,032 to $558 less annually than their male counterparts.
- Billings auto insurance prices are cheaper than the Montana state average – $2,362 (Billings average) compared to $2,376 (Montana average)
- Billings car insurance cost is more than the U.S. average – $2,362 (Billings average) versus $2,276 (U.S. average)
- Cost per month ranges from $163 to $701 – That is the average car insurance price range for drivers from age 16 to 60 in Billings.
- Lower deductible car insurance is more expensive than high deductible – A 30-year-old driver pays an average of $640 more per year for $250 deductibles compared to $1,000 deductibles.
- Auto insurance rates decline considerably between ages 20 and 30 – The average 30-year-old Billings driver will pay $2,232 less per year than a 20-year-old driver, $2,520 versus $4,752.
What vehicles have the cheapest car insurance in Billings?
The vehicles with the lowest cost average auto insurance quotes in Billings tend to be compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Buick Envision, and Hyundai Venue. Average insurance rates for those vehicles cost $160 or less per month to get full coverage.
A few other models that rank in the top 20 in the cost comparison table below are the Buick Encore, Toyota GR Corolla, Volkswagen Taos, and Kia Niro. The average rates are a little bit more for those models than the cheapest crossovers and compact SUVs that rank at the top, but they still have an average insurance cost of $2,054 or less per year.
The table below details the vehicles with the cheapest overall insurance rates in Billings, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,746 | $146 |
| 2 | Chevrolet Trailblazer | $1,772 | $148 |
| 3 | Kia Soul | $1,840 | $153 |
| 4 | Nissan Kicks | $1,856 | $155 |
| 5 | Honda Passport | $1,882 | $157 |
| 6 | Buick Envision | $1,894 | $158 |
| 7 | Toyota Corolla Cross | $1,902 | $159 |
| 8 | Hyundai Venue | $1,920 | $160 |
| 9 | Mazda CX-5 | $1,928 | $161 |
| 10 | Ford Bronco Sport | $1,932 | $161 |
| 11 | Volkswagen Tiguan | $1,956 | $163 |
| 12 | Acura RDX | $1,976 | $165 |
| 13 | Nissan Murano | $1,982 | $165 |
| 14 | Buick Encore | $2,004 | $167 |
| 15 | Honda CR-V | $2,012 | $168 |
| 16 | Subaru Outback | $2,012 | $168 |
| 17 | Buick Envista | $2,018 | $168 |
| 18 | Volkswagen Taos | $2,022 | $169 |
| 19 | Kia Niro | $2,032 | $169 |
| 20 | Honda HR-V | $2,054 | $171 |
| 21 | Toyota GR Corolla | $2,054 | $171 |
| 22 | Subaru Ascent | $2,056 | $171 |
| 23 | Nissan Leaf | $2,066 | $172 |
| 24 | Chevrolet Colorado | $2,080 | $173 |
| 25 | Honda Civic | $2,090 | $174 |
| 26 | Lexus NX 250 | $2,090 | $174 |
| 27 | Volkswagen Atlas | $2,096 | $175 |
| 28 | Acura Integra | $2,098 | $175 |
| 29 | Subaru Forester | $2,102 | $175 |
| 30 | Volkswagen Atlas Cross Sport | $2,104 | $175 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Billings, MT Zip Codes. Updated October 24, 2025
The above table containing 30 vehicles with the cheapest insurance in Billings is probably not the best way to present a comprehensive summary of Billings insurance rates. Due to the fact that we track over 700 vehicles, less than 4% of total vehicles are shown. Let’s dig a little deeper into the data and list the cheapest models an alternative way.
The section below goes into the cost of insurance based on different automotive segments. These rates will provide a decent understanding of the automotive segments that have the overall cheapest average auto insurance rates. Then the following six sections display the 20 vehicles with the cheapest insurance rates in each automotive segment.
Billings auto insurance rates by vehicle segment
When comparing new or used vehicles, it’s very useful to know which types of vehicles have more affordable car insurance rates.
As an example, you may be wondering if compact SUVs are cheaper to insure than compact cars or if luxury cars have more affordable insurance than luxury SUVs.
The next chart displays average car insurance rates by segment in Billings. From an overall average perspective, compact SUVs and midsize pickup trucks have the best rates, while exotic models have the most expensive overall rates.
Average car insurance rates by segment are close enough to make a general comparison, but auto insurance cost varies considerably within each of the segments displayed in the above chart.
For example, in the midsize luxury car segment, Billings insurance rates range from the Mercedes-Benz CLA250 at $2,428 per year for full coverage insurance up to the BMW M8 at $3,978 per year. For another example, in the midsize truck segment, the average cost of insurance ranges from the Chevrolet Colorado at $2,080 per year up to the Rivian R1T at $2,944 per year.
In the next sections of the article, we reduce this variability by looking at the cost of car insurance in Billings for individual models.
Cheapest cars to insure in Billings
Ranking at the top for the most affordable Billings auto insurance rates in the car segment (excluding luxury models) are the Nissan Sentra, Honda Civic, Toyota GR Corolla, Nissan Leaf, and Subaru Impreza. Car insurance prices for these vehicles average $181 or less per month.
Not the cheapest cars to insure, but still affordable, are models like the Kia K5, Toyota Corolla, Chevrolet Malibu, and Toyota Prius, with average rates of $2,300 per year or less.
In the bottom half of the top 20, models like the Nissan Versa, Volkswagen Jetta, Hyundai Sonata, Kia Forte, Toyota Crown, and Subaru Legacy average between $2,300 and $2,440 per year for full-coverage insurance in Billings.
Full-coverage car insurance for this segment in Billings can cost as low as $171 per month, depending on the company.
The most budget-friendly non-luxury compact car to insure in Billings is the Toyota GR Corolla at $2,054 per year. For midsize cars, the Kia K5 has the best rates at $2,274 per year. And for full-size non-luxury cars, the Chrysler 300 has the most affordable rates at $2,248 per year.
The comparison table below ranks the cars with the lowest-cost average insurance rates in Billings, starting with the Toyota GR Corolla at $171 per month and ending with the Mazda 3 at $203 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,054 | $171 |
| Nissan Leaf | Compact | $2,066 | $172 |
| Honda Civic | Compact | $2,090 | $174 |
| Nissan Sentra | Compact | $2,162 | $180 |
| Subaru Impreza | Compact | $2,170 | $181 |
| Toyota Prius | Compact | $2,204 | $184 |
| Kia K5 | Midsize | $2,274 | $190 |
| Honda Accord | Midsize | $2,282 | $190 |
| Chevrolet Malibu | Midsize | $2,288 | $191 |
| Toyota Corolla | Compact | $2,300 | $192 |
| Kia Forte | Compact | $2,304 | $192 |
| Volkswagen Arteon | Midsize | $2,322 | $194 |
| Nissan Versa | Compact | $2,328 | $194 |
| Subaru Legacy | Midsize | $2,328 | $194 |
| Hyundai Ioniq 6 | Midsize | $2,346 | $196 |
| Mitsubishi Mirage G4 | Compact | $2,382 | $199 |
| Volkswagen Jetta | Compact | $2,386 | $199 |
| Toyota Crown | Midsize | $2,388 | $199 |
| Hyundai Sonata | Midsize | $2,396 | $200 |
| Mazda 3 | Compact | $2,440 | $203 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Billings, MT Zip Codes. Updated October 24, 2025
For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Billings car insurance quotes from top-rated auto insurance companies in Montana.
Cheapest SUV insurance rates in Billings
The top three SUVs with the cheapest auto insurance in Billings are the Subaru Crosstrek at $1,746 per year, the Chevrolet Trailblazer at $1,772 per year, and the Kia Soul at $1,840 per year.
Other models that have cheaper rates are the Ford Bronco Sport, Hyundai Venue, Mazda CX-5, and Buick Envision, with an average car insurance cost of $1,932 per year or less.
As a cost per month, full-coverage insurance in this segment for a safe driver starts at around $146 per month, depending on where you live and the company you use.
When vehicle size is factored in, the cheapest compact SUV to insure in Billings is the Subaru Crosstrek at $1,746 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $1,882 per year. And for large SUVs, the Chevrolet Tahoe is most affordable to insure at $2,216 per year.
The rate comparison table below ranks the SUVs with the most affordable car insurance in Billings, starting with the Subaru Crosstrek at $1,746 per year and ending with the Subaru Ascent at $2,056 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,746 | $146 |
| Chevrolet Trailblazer | Compact | $1,772 | $148 |
| Kia Soul | Compact | $1,840 | $153 |
| Nissan Kicks | Compact | $1,856 | $155 |
| Honda Passport | Midsize | $1,882 | $157 |
| Buick Envision | Compact | $1,894 | $158 |
| Toyota Corolla Cross | Compact | $1,902 | $159 |
| Hyundai Venue | Compact | $1,920 | $160 |
| Mazda CX-5 | Compact | $1,928 | $161 |
| Ford Bronco Sport | Compact | $1,932 | $161 |
| Volkswagen Tiguan | Compact | $1,956 | $163 |
| Nissan Murano | Midsize | $1,982 | $165 |
| Buick Encore | Compact | $2,004 | $167 |
| Honda CR-V | Compact | $2,012 | $168 |
| Subaru Outback | Midsize | $2,012 | $168 |
| Buick Envista | Midsize | $2,018 | $168 |
| Volkswagen Taos | Compact | $2,022 | $169 |
| Kia Niro | Compact | $2,032 | $169 |
| Honda HR-V | Compact | $2,054 | $171 |
| Subaru Ascent | Midsize | $2,056 | $171 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Billings, MT Zip Codes. Updated October 24, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Don’t see your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Montana.
Cheapest pickups to insure in Billings
Ranking highest for the lowest-cost Billings auto insurance rates in the pickup truck segment are the Nissan Titan, Ford Maverick, Ford Ranger, Chevrolet Colorado, and Nissan Frontier. Auto insurance rates for these vehicles average $2,290 or less per year.
Other models that are affordable to insure are the GMC Canyon, GMC Sierra 2500 HD, Honda Ridgeline, and Toyota Tacoma, with average cost of $2,428 per year or less.
Auto insurance in Billings for this segment for a middle-age safe driver starts at around $173 per month, depending on the company and your location. The comparison table below ranks the twenty pickups with the most affordable car insurance rates in Billings, starting with the Chevrolet Colorado at $2,080 per year and ending with the Ram Truck at $2,730 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,080 | $173 |
| Nissan Titan | Full-size | $2,208 | $184 |
| Nissan Frontier | Midsize | $2,232 | $186 |
| Ford Ranger | Midsize | $2,256 | $188 |
| Ford Maverick | Midsize | $2,290 | $191 |
| Honda Ridgeline | Midsize | $2,344 | $195 |
| Hyundai Santa Cruz | Midsize | $2,382 | $199 |
| Toyota Tacoma | Midsize | $2,390 | $199 |
| GMC Sierra 2500 HD | Heavy Duty | $2,402 | $200 |
| GMC Canyon | Midsize | $2,428 | $202 |
| Jeep Gladiator | Midsize | $2,488 | $207 |
| GMC Sierra 3500 | Heavy Duty | $2,502 | $209 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,524 | $210 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,590 | $216 |
| GMC Sierra | Full-size | $2,608 | $217 |
| Chevrolet Silverado | Full-size | $2,610 | $218 |
| Nissan Titan XD | Heavy Duty | $2,610 | $218 |
| Ford F150 | Full-size | $2,642 | $220 |
| GMC Hummer EV Pickup | Full-size | $2,708 | $226 |
| Ram Truck | Full-size | $2,730 | $228 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Billings, MT Zip Codes. Updated October 24, 2025
See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.
Is your pickup truck not in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Billings car insurance quotes from the best companies in Montana.
Cheapest sports cars to insure in Billings
The Mazda MX-5 Miata takes the top ranking for the cheapest sports car to insure in Billings, followed closely by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model has an average cost of $2,184 per year for a policy with full coverage.
Not the cheapest, but still very affordable, are cars like the Lexus RC F, Toyota GR Supra, Subaru BRZ, and BMW M2, with an average car insurance cost of $2,824 per year or less.
On a monthly basis, full-coverage car insurance on this segment in Billings for a middle-age safe driver will start around $182 per month, depending on where you live. The rate comparison table below ranks the sports cars with the cheapest auto insurance rates in Billings, starting with the Mazda MX-5 Miata at $2,184 per year and ending with the Porsche Taycan at $3,998 per year.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,184 | $182 |
| Toyota GR86 | Sports Car | $2,486 | $207 |
| Ford Mustang | Sports Car | $2,594 | $216 |
| BMW Z4 | Sports Car | $2,606 | $217 |
| Subaru WRX | Sports Car | $2,646 | $221 |
| Toyota GR Supra | Sports Car | $2,652 | $221 |
| BMW M2 | Sports Car | $2,726 | $227 |
| Nissan Z | Sports Car | $2,736 | $228 |
| Lexus RC F | Sports Car | $2,788 | $232 |
| Subaru BRZ | Sports Car | $2,824 | $235 |
| BMW M3 | Sports Car | $2,982 | $249 |
| Porsche 718 | Sports Car | $3,038 | $253 |
| Chevrolet Camaro | Sports Car | $3,068 | $256 |
| Chevrolet Corvette | Sports Car | $3,270 | $273 |
| Porsche 911 | Sports Car | $3,384 | $282 |
| BMW M4 | Sports Car | $3,524 | $294 |
| Lexus LC 500 | Sports Car | $3,544 | $295 |
| Jaguar F-Type | Sports Car | $3,726 | $311 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,908 | $326 |
| Porsche Taycan | Sports Car | $3,998 | $333 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Billings, MT Zip Codes. Updated October 24, 2025
Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Billings.
Cheapest luxury car insurance rates in Billings
The four highest ranking luxury cars with the cheapest insurance rates in Billings are the Acura Integra at $2,098 per year, BMW 330i at $2,402 per year, Mercedes-Benz CLA250 at $2,428 per year, and Lexus IS 300 at $2,434 per year.
Not the cheapest luxury cars to insure, but still affordable, are cars like the Lexus RC 300, Genesis G70, Lexus ES 350, and Cadillac CT4, with an average cost to insure of $2,480 per year or less.
Full-coverage auto insurance in this segment for a good driver will start around $175 per month, depending on your location. The table below ranks the twenty cars with the cheapest average insurance rates in Billings, starting with the Acura Integra at $2,098 per year ($175 per month) and ending with the Audi S3 at $2,646 per year ($221 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,098 | $175 |
| BMW 330i | Compact | $2,402 | $200 |
| Mercedes-Benz CLA250 | Midsize | $2,428 | $202 |
| Lexus IS 300 | Midsize | $2,434 | $203 |
| Acura TLX | Compact | $2,440 | $203 |
| Cadillac CT4 | Compact | $2,464 | $205 |
| Lexus ES 350 | Midsize | $2,464 | $205 |
| Genesis G70 | Compact | $2,470 | $206 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,474 | $206 |
| Lexus RC 300 | Midsize | $2,480 | $207 |
| Lexus IS 350 | Compact | $2,490 | $208 |
| Jaguar XF | Midsize | $2,496 | $208 |
| Cadillac CT5 | Midsize | $2,544 | $212 |
| Lexus ES 250 | Midsize | $2,552 | $213 |
| Lexus RC 350 | Compact | $2,560 | $213 |
| BMW 330e | Compact | $2,564 | $214 |
| BMW 228i | Compact | $2,568 | $214 |
| BMW 230i | Compact | $2,588 | $216 |
| Lexus ES 300h | Midsize | $2,592 | $216 |
| Audi S3 | Compact | $2,646 | $221 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Billings, MT Zip Codes. Updated October 24, 2025
See our guide for luxury car insurance to view any vehicles not shown in the table.
Looking for rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Billings car insurance quotes from the best auto insurance companies in Montana.
Cheapest luxury SUV insurance rates in Billings
The top five models for the cheapest Billings car insurance rates in the luxury SUV segment are the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, Cadillac XT5, and Acura RDX. Car insurance quotes for these 2024 models average $2,226 or less per year.
Not the cheapest, but still in the top 10, are luxury SUVs like the Lincoln Corsair, Mercedes-Benz GLB 250, Lexus NX 450h, and Lexus NX 350h, with average annual insurance rates of $2,278 per year or less.
On a monthly basis, car insurance in Billings on this segment for the average driver will start around $165 per month, depending on the company and your location.
The cheapest small luxury SUV to insure in Billings is the Acura RDX at $1,976 per year. For midsize luxury models, the Jaguar E-Pace is cheapest to insure at $2,208 per year. And for full-size models, the Infiniti QX80 has the best rates at $2,646 per year.
The rate comparison table below ranks the twenty luxury SUVs with the lowest-cost car insurance rates in Billings.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,976 | $165 |
| Lexus NX 250 | Compact | $2,090 | $174 |
| Cadillac XT4 | Compact | $2,132 | $178 |
| Jaguar E-Pace | Midsize | $2,208 | $184 |
| Cadillac XT5 | Midsize | $2,226 | $186 |
| Lexus NX 350h | Compact | $2,226 | $186 |
| Lincoln Corsair | Compact | $2,254 | $188 |
| Mercedes-Benz GLB 250 | Compact | $2,258 | $188 |
| Lexus UX 250h | Compact | $2,262 | $189 |
| Lexus NX 450h | Compact | $2,278 | $190 |
| Infiniti QX50 | Midsize | $2,296 | $191 |
| Mercedes-Benz GLA250 | Compact | $2,300 | $192 |
| Mercedes-Benz GLA35 AMG | Compact | $2,308 | $192 |
| Cadillac XT6 | Midsize | $2,312 | $193 |
| Infiniti QX60 | Midsize | $2,324 | $194 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,324 | $194 |
| Land Rover Evoque | Compact | $2,356 | $196 |
| Acura MDX | Midsize | $2,362 | $197 |
| Lexus NX 350 | Compact | $2,366 | $197 |
| Lexus RX 350 | Midsize | $2,372 | $198 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Billings, MT Zip Codes. Updated October 24, 2025
For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.
Don’t see your luxury SUV in the table above? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Billings car insurance quotes from top auto insurance companies in Montana.
Billings car insurance rate variability
To stress the importance of the amount car insurance premiums can change from one person to the next (and also emphasize the importance of accurate rate quotes), the sections below present a large range of rates for four popular vehicles in Billings: the Chevrolet Silverado, Nissan Sentra, Nissan Rogue, and Toyota Highlander.
Each illustration shows average rates for different driver profiles to show the cost fluctuation based on changes to the type of rated driver.
Chevrolet Silverado insurance rates
In Billings, Chevrolet Silverado insurance costs an average of $2,610 per year (about $218 per month) and has a range of $2,164 to $6,060 per year for the specific drivers in the next chart.
The Chevrolet Silverado is classified as a full-size truck, and other similar models include the GMC Sierra, Nissan Titan, Ford F150, and Toyota Tundra.
Nissan Sentra insurance rates
Insurance for a Nissan Sentra in Billings costs an average of $2,162 per year ($180 per month) and has a range of $1,796 to $4,918.
The Nissan Sentra is a compact car, and other models from that segment that are popular in Billings include the Hyundai Elantra, Toyota Corolla, and Chevrolet Cruze.
Nissan Rogue insurance rates
In Billings, Nissan Rogue insurance costs an average of $2,122 per year, or about $177 per month, and has a range of $1,764 to $4,850.
The Nissan Rogue is classified as a compact SUV, and other models from that segment that are popular in Billings include the Ford Escape, Honda CR-V, and Subaru Forester.
Toyota Highlander insurance rates
In Billings, Toyota Highlander insurance costs an average of $2,146 per year, or about $179 per month, and ranges from $1,786 to $4,912 per year.
The Toyota Highlander is classified as a midsize SUV, and other models in the same segment include the Ford Edge, Honda Pilot, Ford Explorer, and Kia Telluride.
Saving money on auto insurance
Billings drivers should always be looking to pay less for insurance, so scan the tips in this next list and it’s very possible you can save some money the next time you buy a policy.
- Shop around and save. Taking a couple of minutes every year or so to get a few free car insurance quotes is a fantastic way to save money. Rates change quite often and you can switch anytime.
- Careless drivers pay higher auto insurance rates in Billings. At-fault accidents raise insurance rates, possibly by an extra $3,370 per year for a 20-year-old driver and even as much as $576 per year for a 60-year-old driver. So be safe and save.
- Your employer could save you money. Most insurance companies offer policy discounts for being employed in occupations like lawyers, members of the military, scientists, police officers and law enforcement, accountants, and others. By qualifying for this profession discount, you could potentially save between $71 and $230 on your annual car insurance cost, depending on the coverage levels.
- The higher the deductibles, the lower the cost. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
- Good credit scores mean better rates. Having a credit score above 800 could save around $371 per year versus a credit score ranging from 670-739. Conversely, a less-than-perfect credit history could cost up to $430 more per year. Not all states use credit score as a rating factor, so check with your agent or company.