Cheapest Auto Insurance in Great Falls, Montana (2024)
Great Falls drivers can find the best car insurance with State Farm, USAA, and Safeco.
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Written byJoe Dyton
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Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated October 30, 2024
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Table of contents
The overall average car insurance rate in Great Falls is $144 per month, on par with the state average of $134 and slightly less expensive than the national average of $158. Drivers in Great Falls pay an average of $102 per month for liability coverage and $186 per month for full coverage.
Your car insurance rates could be higher or lower, however. It depends on factors like your driving record, location, and age. Always compare car insurance quotes from multiple insurers before choosing a policy.
Quick Facts
State Farm is the cheapest car insurance company in Great Falls.
Montana drivers must have liability car insurance.
Insurers in Montana can consider your credit history when setting your premiums.
Cheapest car insurance companies in Great Falls
Great Falls residents have several car insurance options that offer affordable rates for liability coverage. When you comparison shop for car insurance, remember the best company will tailor its coverage and your policy to your specific needs.
Below are three top cheap car insurance companies that serve the Great Falls area to check out as you begin your search. Rates shown in the table are for the state of Montana.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $98 | $42 | Cheap rates |
| USAA | 9.4 | $105 | $46 | Military members and their families |
| Safeco | 8.3 | $109 | $49 | Roadside assistance |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
State Farm offers the cheapest average car insurance rates in Great Falls. It’s the largest insurance company in the country by market share, allowing it to offer affordable rates. It also has various discount programs and bundling options you can take advantage of to further lower your car insurance costs.
Pros
Cheapest rates in Great Falls
A++ rating from AM Best
Cons
No gap insurance
High number of complaints in Montana on the National Association of Insurance Commissioners (NAIC) complaint index
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
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Best insurer for military members and their families: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $46/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
USAA is one of the best choices for Great Falls drivers who are active military, veterans, or immediately related to someone in the military. It offers some of the cheapest average car insurance rates in the city and has various other benefits, like travel deals and moving discounts.
Pros
Offers exclusive discounts and incentives
Has multiple types of insurance products
Cons
Limited to military members, veterans, and their families
Customer service not available 24/7
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin - October 29, 2024
Verified
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
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Best insurer for roadside assistance: Safeco
SafecoCompare personalized, real-time quotes
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $106/mo |
Safeco offers the third-cheapest car insurance rates for drivers in Great Falls, along with coverage for homeowners and renters. It doesn’t have as many optional coverages as some larger insurers, but its extensive roadside assistance program includes towing, battery jumping, gas refill, repairs, and locksmiths.
Pros
Top-notch emergency roadside assistance benefits
Offers various discounts
Cons
Limited potential for bundling policies
Negative Trustpilot customer service reviews
Read more driver reviews of Safeco
Barbara - October 28, 2024
Verified
Insurance Keeps Going Up
Please stop raising prices.
Carlotta - October 24, 2024
Verified
Excellent
They handled everything very smoothly.
Shirley - October 22, 2024
Verified
My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.
My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.
…
Find Cheap Car Insurance in Great Falls, Montana
Liability coverage quotes start at $42 per month
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How to get the cheapest car insurance in Great Falls
Full-coverage car insurance costs $186 per month in Great Falls, on average. However, you can find lower premiums if you know how to look. The tips below can help you reduce your car insurance rates:
Compare car insurance quotes. Even if you like the first quote you get, it’s always a good idea to shop around. You may find cheaper rates for the same coverage from another insurer since every insurer weighs rating factors differently.
Bundle insurance policies with one company. Bundling your car insurance with a homeowners or renters policy is more convenient for you, and many insurers offer multi-policy discounts for people who do.
Look for car insurance discounts. When you get a car insurance quote, don’t rely only on the company’s agents to tell you what discounts you might be eligible for. Check out the insurer’s discount page and have an idea of which ones could help you save money on your policy.
Adjust your coverage. Your car insurance policy shouldn’t be a “set it and forget it” situation. Reducing your coverage limits or raising your deductible could help you lower your premiums. Check with your insurance agent periodically to see if you have the appropriate amount of coverage.
Cheapest liability-only car insurance in Great Falls
Liability car insurance is the least amount of coverage you must carry to drive in the state of Montana legally. It covers costs related to bodily injury and property damage another driver suffers due to a car accident where you’re at fault. Liability coverage doesn’t pay for your vehicle or car accident-related medical bills, however.
State Farm offers the cheapest liability-only car insurance in Great Falls, at $42 per month. The table below shows the lowest liability-only insurance quotes in Great Falls.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $42 |
| USAA | $46 |
| Midvale Home & Auto | $47 |
| Safeco | $49 |
| Progressive | $53 |
| Farmers | $77 |
| GEICO | $81 |
| Allstate | $85 |
| Bristol West | $86 |
| The General | $93 |
| Foremost | $98 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Great Falls
While liability-only car insurance covers other drivers’ vehicle damage and medical bills, full coverage protects you, your vehicle, and your finances. It’s ideal if your car is newer or you couldn’t afford to pay for a replacement if it was declared a total loss after a car accident. If you financed your car, your lender will likely require you to carry full coverage until you pay off the loan.
State Farm also offers the cheapest full-coverage car insurance, with a monthly rate of $98. The following table shows the cheapest full-coverage car insurance quotes in Great Falls.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $98 |
| USAA | $105 |
| Safeco | $109 |
| Midvale Home & Auto | $117 |
| Progressive | $123 |
| Farmers | $173 |
| GEICO | $188 |
| The General | $188 |
| Foremost | $191 |
| Allstate | $194 |
| Bristol West | $209 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Great Falls, Montana
Recent Great Falls, Montana car insurance prices for Subaru, Jeep, Buick , and more.
*Quotes generated for Insurify users in and around Great Falls, Montana within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Great Falls, Montana within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Montana
Montana is an at-fault state, meaning the at-fault driver is financially responsible for any damage they cause. Every driver must carry the minimum-required car insurance coverage to drive in Montana legally.
These are the minimum coverage levels you need to carry:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
Remember, this is the minimum amount of car insurance coverage you need to drive legally in Montana. You can add more coverages to your policy to better protect yourself and your vehicle. Here are a few of the optional coverages you can add to your Great Falls car insurance policy:
Comprehensive coverage
Comprehensive coverage helps pay for your vehicle repairs for non-collision accidents, such as hitting an animal, theft, and vandalism. If you hit a deer, comprehensive coverage would pay for your vehicle. If you swerve and miss the deer but hit another car or tree, collision would cover it. This is why most lienholders require you to carry both coverages.
Collision coverage
Collision coverage helps pay for repairs to your car if another vehicle hits it. The coverage also works if you hit another car or object. Collision coverage can be used whether you’re at fault or not.
Uninsured/underinsured motorist coverage
Most states require drivers to carry car insurance, but that doesn’t mean all drivers do. Uninsured/underinsured motorist coverage can help you pay for damages or medical expenses if someone uninsured hits your vehicle.
Medical payments coverage
Medical payments coverage pays for medical expenses you and your passengers face after an accident.
Personal injury protection (PIP) coverage
Personal injury protection (PIP) covers medical bills for you or your passengers following car accident-related injuries, regardless of who’s at fault. PIP can also help pay for lost income and other injury-related expenses, depending on the state.
Cheapest car insurance for drivers with an incident
Maintaining a clean driving record and practicing safe driving habits are great ways to keep your car insurance premiums low. Incidents do happen, however. When incidents such as speeding tickets, at-fault accidents, and driving under the influence happen, there’s a good chance your premium will increase.
But insurance companies don’t have a universal premium increase rate. The severity of the rate increase following an incident varies by insurer. The following sections will show you how various incidents can affect your car insurance rates in Great Falls.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $42 | $59 | $57 | $65 |
| USAA | $46 | $64 | $62 | $71 |
| Midvale Home & Auto | $47 | $66 | $63 | $73 |
| Safeco | $49 | $70 | $67 | $77 |
| Progressive | $53 | $75 | $72 | $83 |
| Farmers | $77 | $108 | $105 | $120 |
| GEICO | $81 | $114 | $110 | $126 |
| Allstate | $85 | $119 | $115 | $132 |
| Bristol West | $86 | $121 | $116 | $133 |
| The General | $93 | $131 | $127 | $145 |
| Foremost | $98 | $138 | $133 | $153 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age is one of the main factors car insurance companies consider when determining rates. Teen drivers have the highest rates due to their lack of experience behind the wheel. Insurers reward drivers with lower premiums as they gain more experience, usually around age 35.
Unfortunately, insurers often increase drivers’ rates when they reach age 70, as older drivers are more likely to get into a car accident because of visual impairments and physical or cognitive decline.
The table below demonstrates how car insurance rates can change in Great Falls depending on a driver’s age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $300 |
| 20s | $238 |
| 30s | $179 |
| 40s | $146 |
| 50s | $145 |
| 60s | $130 |
| 70s | $140 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Great Falls, MT
Liability rates start at $42 per month
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Based on 3,806+ reviews
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Great Falls car insurance quotes by credit tier
Car insurance companies can consider a potential policyholder’s credit history when determining rates in Montana. Insurance companies do so to gauge your likeliness to file a claim. Much like good credit will get you better loan terms, it’s also likely to secure you a more favorable car insurance rate than poor credit would.
The table below shows the difference in what Great Falls residents can expect to pay per month for car insurance based on their credit score:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Great Falls car insurance FAQs
Finding the best car insurance can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Great Falls.
How much is car insurance in Great Falls?
Car insurance in Great Falls costs an average of $144 per month. Drivers pay $102 per month for liability coverage and $186 for full coverage. The town’s car insurance rates are similar to the state average of $134 but slightly less expensive than the national average of $158 per month.
Who has the cheapest car insurance in Great Falls?
State Farm has the cheapest car insurance in Great Falls, with an overall average rate of $70 per month. State Farm drivers in Great Falls pay an average of $42 per month for liability coverage and $98 per month for full coverage.
What are the best car insurance companies in Great Falls?
With an Insurify Quality (IQ) Score of 4.5 out of 5, an A++ (Superior) financial strength rating from AM Best, and various discounts, State Farm is the best car insurance company in Great Falls. Other top car insurance companies in Great Falls include USAA and Safeco.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Montana
Sources
- Montana Department of Justice - Motor Vehicle Division. "Insurance and Verification."
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Joe DytonInsurance Writer
Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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