Great Falls Car Insurance

How much does car insurance cost in Great Falls, MT? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Great Falls?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Montana has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Great Falls typically pay around $125.52 per month compared to the national average of $167.22 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.22
Montana $122.68
Great Falls, Montana $125.52

Great Falls, MT Best Car Insurance Companies

car insurance in Great Falls

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Great Falls coming in around $77.89 per month. Other companies to consider if you live in Great Falls is State Farm with an average cost of $92.63 per month and Nationwide which typically runs around $110.91 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Great Falls.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $77.89-36.51%
2 State Farm $92.63-24.49%
3 Nationwide $110.91-9.59%
4 National Farmers Union P&C $121.83-0.69%
5 Unigard $150.2722.49%
6 Allied $151.9223.84%
7 Farmers $183.0449.21%
8 Unitrin $194.8358.81%
9 Allstate $202.6265.17%
10 Metropolitan $336.04173.92%

How Much is Car Insurance in Great Falls, MT?

how much is auto insurance in Great Falls

Rates can vary from city to city. The residents of Ashland typically pay $112.10 per month while people who live in Bearcreek will pay $185.35 per month on average. See what people pay for car insurance in other cities in Montana.

Montana CitiesMonthly Average Rate
Billings $139.09
Bozeman $132.01
Great Falls $125.52
Missoula $115.84

Cheap Car Insurance in Great Falls by Zip Codes

find cheap auto insurance in Great Falls

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Montana. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Great Falls, MT ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Great Falls

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $321.38 per month in Great Falls. Compare that to drivers in their 30’s who typically pay around $96.94 per month drivers in their 40s at $102.99 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Great Falls

If you are teen in Great Falls you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $183.57 per month. This is likely the most affordable option in Great Falls. You might also want to consider Unigard and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
State Farm$236.07

Cheapest Insurance for 20 Year-olds in Great Falls

20 year-olds in Great Falls might want to consider USAA who, on average, offers car insurance rates around $100.42 per month. National Farmers Union P&C , State Farm , Allied and Unigard are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
National Farmers Union P&C$121.83
State Farm$123.88

Cheapest Insurance for 30 Year-olds in Great Falls

If you are in your 30s in Great Falls our research has found that USAA typically has the most affordable coverage coming in around $72.03 per month, followed by State Farm at $85.09 and Unigard at $130.05.

CompanyAverage Monthly Rate
State Farm$85.09

Cheapest Insurance for 40 Year-olds in Great Falls

On average, USAA offers car insurance for 40 year-olds in Great Falls for around $60.09 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Allied. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$69.64

Cheapest Insurance for 50 Year-olds in Great Falls

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Great Falls we found that USAA generally offers the most affordable coverage at $62.96 per month.

CompanyAverage Monthly Rate
State Farm$73.59

Cheapest Insurance for 60 Year-olds in Great Falls

If you live in Great Falls and you’re in your 60s, our data indicates that USAA usually has the best rates at $48.90 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$62.37

Driver's Coverage Auto Insurance Rates in Great Falls, MT

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Great Falls, the average monthly rate for a driver who is currently insured is $131.61 while drivers who are not currently covered will pay around $114.56.

CoverageAverage Monthly Rate
Not Currently Insured $114.56
Currently Insured $131.61

Compare Recent Car Insurance Quotes in Great Falls

auto insurance quotes in Great Falls city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Great Falls a driver of a 2015 Dodge Journey can expect to pay around $96.73 per month while someone that owns a 2002 GMC Sierra may pay around $61.20 per month. Check out the list of recent quotes in Great Falls below.

VehicleAverage Monthly Rate
2015 Dodge Journey$96.73
2002 GMC Sierra$61.20
2010 Chrysler Town & Country$76.17
2020 Ram 1500$103.07
2006 Chevrolet Trailblazer$68.02
2017 Dodge Journey$109.70
2006 Dodge Caravan$92.20
2000 Pontiac Grand Prix$108.22
2013 Chevrolet Cruze$72.07
2012 Ford F150$179.45

FAQ's for Drivers in Great Falls, MT

driver’s frequently asked question in Great Falls

What Is the Minimum Liability Coverage Requirement in Great Falls, MT?

Every state requires drivers to have a minimum amount of liability coverage. Montana drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $20,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

All Montana motorists are required to carry liability insurance, no matter how much they drive or how old their car is. Minimum insurance requirements in the state are $25,000 in bodily damage liability to cover injury or death to one person and $50,000 to cover injury or death to two or more persons. Drivers must also carry $20,000 in property damage liability per accident.

What Is the Blood Alcohol Concentration (BAC) limit in Great Falls, MT?

It’s against the law to drive in Montana at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

Drivers with blood levels of 5 ng/ml of Delta-9-Tetrahydrocannabinol or more are presumed to be too impaired to drive safely. A person can be convicted of DUI with a THC level below 5 ng/ml if there is sufficient evidence of impairment. This applies to all commercial and noncommercial drivers, including those registered as cardholders with Montana’s Marijuana Program.

What are the consequences of being convicted of a DUI?

Penalties for driving under the influence are severe in Montana, and they increase with each subsequent offense. Drivers convicted of DUI may face jail time, fines, suspension of driving privileges, points on their license, an increase in insurance premiums, mandatory installation of an ignition interlock device, and forced participation in a sobriety program.

You can be convicted of a DUI in Montana even if your BAC is within legal limits, and a DUI goes on your record for life.

Check Out Other Rates in Great Falls, MT Nearby Cities:

Bozeman, MT

Missoula, MT


Commute Time in Great Falls, MT

13.7 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Great Falls, MT


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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