How much does Auto Mechanic insurance cost in Billings, Montana?

The estimated annual cost for a Auto Mechanic in Billings with one employee is between $1255 and $1845. The state base rate is $820.

What insurance is required for a Auto Mechanic in Montana?

In Montana, businesses are subject to a 0.0% insurance tax. Auto Mechanics typically need General Liability due to a risk factor of 1.8.

Auto Mechanic Insurance Cost in Billings, Montana (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1255-$1845

Estimated Annual Premium

Monthly Average Breakdown

$123 / mo

Includes General Liability

Industry Risk Profile

Mechanics need Garage Keepers insurance to cover customers' vehicles while in their care, plus liability for faulty repairs.

Risk Factor1.8x

Location Factors

State Base Rate$820
Billings Multiplier1x
State Tax Rate0.0%

Local Compliance FAQ

Is General Liability required in Billings?

While Montana law may not mandate it for all businesses, Auto Mechanics often need proof of insurance to bid on local commercial projects in Billings.

Why is the rate different here?

Your premium reflects Montana's specific base rate of $820 and a local city multiplier of 1x.

Compare Auto Mechanic Insurance in Other Montana Cities

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How much does Auto Mechanic Insurance cost in Billings?