Great Falls, MT Auto Insurance (2024)
Average Great Falls, MT car insurance rates are $264/mo for full coverage, but you can save money by only carrying the minimum required by Montana law. Liberty Mutual offers the lowest rates in Great Falls, but you should compare quotes from multiple companies to get the best cheap Great Falls, MT auto insurance.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average Great Falls, MT auto insurance rates are $264 per month
- The cheapest auto insurance company in Great Falls is Liberty Mutual
- The average commute length in Great Falls is 14.1 minutes
Montana minimum auto insurance requirements are 25/50/20. Choosing to carry higher limits and more insurance coverage will increase the cost of your Great Falls auto insurance.
Fortunately, finding cheap Great Falls, MT auto insurance isn’t difficult. This guide covers all the factors that impact your Great Falls insurance rates, including driving record and commute time, so you can get the best price on your auto policy.
Keep reading to learn how much car insurance you need in Great Falls and which Montana auto insurance companies have the best rates for Great Falls drivers.
Great Falls, MT Minimum Auto Insurance Requirements
You must carry the following coverages to legally drive in Great Falls, MT.
Minimum Required Auto Insurance Coverage in Great Falls, Montana
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
Comparing Great Falls, MT Auto Insurance Rates by Coverage Level
Check out the comparison of annual Great Falls, Montana auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Great Falls, Montana
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,870 | $5,139 | $5,450 |
| Farmers | $3,354 | $3,645 | $3,947 |
| Geico | $2,867 | $2,999 | $3,214 |
| Liberty Mutual | $1,247 | $1,355 | $1,450 |
| Nationwide | $2,785 | $3,895 | $4,295 |
| Progressive | $3,657 | $3,920 | $4,222 |
| State Farm | $2,530 | $2,693 | $2,881 |
| USAA | $1,810 | $1,905 | $2,038 |
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The Cheapest Great Falls, MT Auto Insurance Companies Overall
Compare the top Great Falls, Montana auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Great Falls, Montana
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,153 |
| Farmers | $3,649 |
| Geico | $3,027 |
| Liberty Mutual | $1,351 |
| Nationwide | $3,658 |
| Progressive | $3,933 |
| State Farm | $2,701 |
| USAA | $1,917 |
The Cheapest Great Falls, MT Auto Insurance Companies by Driver
Compare the cheapest auto insurance companies in Great Falls, Montana in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Great Falls, Montana
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | Liberty Mutual |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Liberty Mutual |
Comparing Great Falls, MT Auto Insurance Rates by Driver Age, Gender, and Marital Status
Auto insurance rates in Great Falls, Montana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Great Falls, Montana
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,962 | $2,962 | $2,727 | $2,727 | $11,738 | $11,738 | $3,185 | $3,185 |
| Farmers | $2,520 | $2,520 | $2,265 | $2,265 | $7,047 | $7,047 | $2,763 | $2,763 |
| Geico | $2,390 | $2,233 | $2,333 | $2,128 | $5,808 | $5,405 | $2,048 | $1,866 |
| Liberty Mutual | $1,012 | $1,012 | $991 | $991 | $2,172 | $2,172 | $1,228 | $1,228 |
| Nationwide | $2,919 | $2,919 | $2,664 | $2,664 | $5,956 | $5,956 | $3,094 | $3,094 |
| Progressive | $2,825 | $2,825 | $2,584 | $2,584 | $7,141 | $7,141 | $3,181 | $3,181 |
| State Farm | $1,780 | $1,780 | $1,584 | $1,584 | $5,503 | $5,503 | $1,939 | $1,939 |
| USAA | $1,163 | $1,163 | $1,052 | $1,052 | $4,031 | $4,031 | $1,424 | $1,424 |
Comparing Great Falls, MT Auto Insurance Rates for Teens
Finding cheap teen auto insurance in Great Falls, Montana is a challenge. Take a look at the annual teen auto insurance rates in Great Falls, Montana.
Annual Auto Insurance Rates for Teen Drivers in Great Falls, Montana
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,738 | $11,738 |
| Farmers | $7,047 | $7,047 |
| Geico | $5,808 | $5,405 |
| Liberty Mutual | $2,172 | $2,172 |
| Nationwide | $5,956 | $5,956 |
| Progressive | $7,141 | $7,141 |
| State Farm | $5,503 | $5,503 |
| USAA | $4,031 | $4,031 |
Comparing Great Falls, MT Auto Insurance Rates for Seniors
What are senior auto insurance rates in Great Falls, Montana? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Great Falls, Montana
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,727 | $2,727 |
| Farmers | $2,265 | $2,265 |
| Geico | $2,333 | $2,128 |
| Liberty Mutual | $991 | $991 |
| Nationwide | $2,664 | $2,664 |
| Progressive | $2,584 | $2,584 |
| State Farm | $1,584 | $1,584 |
| USAA | $1,052 | $1,052 |
Comparing Great Falls, MT Auto Insurance Rates by Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Great Falls, Montana compared to the annual auto insurance rates with a clean record in Great Falls, Montana.
Annual Great Falls, Montana Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,308 | $5,121 | $6,242 | $4,941 |
| Farmers | $3,198 | $4,151 | $4,048 | $3,198 |
| Geico | $1,949 | $3,080 | $4,750 | $2,328 |
| Liberty Mutual | $910 | $1,611 | $1,611 | $1,271 |
| Nationwide | $2,665 | $3,826 | $4,927 | $3,214 |
| Progressive | $3,368 | $4,414 | $4,195 | $3,754 |
| State Farm | $2,485 | $2,918 | $2,701 | $2,701 |
| USAA | $1,430 | $1,798 | $2,699 | $1,742 |
Comparing Great Falls, MT Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Great Falls, Montana is not easy. Compare the annual rates for DUI auto insurance in Great Falls, Montana to find the best deal.
Annual Auto Insurance Rates After a DUI in Great Falls, Montana
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,242 |
| Farmers | $4,048 |
| Geico | $4,750 |
| Liberty Mutual | $1,611 |
| Nationwide | $4,927 |
| Progressive | $4,195 |
| State Farm | $2,701 |
| USAA | $2,699 |
Comparing Great Falls, MT Auto Insurance Rates by Driver Commute
Commute length and annual mileage affect Great Falls, Montana auto insurance. Find the cheapest annual Great Falls, Montana auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Great Falls, Montana
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,030 | $5,276 |
| Farmers | $3,649 | $3,649 |
| Geico | $2,973 | $3,080 |
| Liberty Mutual | $1,351 | $1,351 |
| Nationwide | $3,658 | $3,658 |
| Progressive | $3,933 | $3,933 |
| State Farm | $2,622 | $2,781 |
| USAA | $1,895 | $1,940 |
Cities where drivers have a longer average commute tend to have higher insurance costs. The average commute in Great Falls is 14.1 minutes, but your Great Falls, MT auto insurance rates will increase if you have a longer commute.
Read More: Most Expensive Commutes in America
The Best Great Falls, MT Auto Insurance Companies by Credit Score
Credit history can have a major effect on the cost of auto insurance. See how Great Falls, Montana annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Great Falls, Montana
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,225 | $4,989 | $4,245 |
| Farmers | $4,297 | $3,423 | $3,226 |
| Geico | $4,768 | $2,541 | $1,770 |
| Liberty Mutual | $1,351 | $1,351 | $1,351 |
| Nationwide | $4,604 | $3,352 | $3,018 |
| Progressive | $4,710 | $3,660 | $3,429 |
| State Farm | $3,891 | $2,363 | $1,851 |
| USAA | $2,554 | $1,760 | $1,438 |
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Get Great Falls, MT Auto Insurance Quotes by ZIP Code
Auto insurance rates by ZIP code in Great Falls, Montana can vary. Compare the annual cost of auto insurance by ZIP code in Great Falls, Montana to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Great Falls, Montana
| ZIP Code | Average Annual Rates |
|---|---|
| 59401 | $3,272 |
| 59404 | $3,255 |
| 59405 | $3,236 |
Compare auto insurance in Great Falls to other Montana cities, including Helena, MT auto insurance rates, to see how Great Falls rates stack up.
The Bottom Line on Affordable Great Falls, MT Auto Insurance
There are a lot of reasons why auto insurance rates in Great Falls, Montana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Great Falls, Montana. Many local factors may affect your Great Falls auto insurance rates.
Frequently Asked Questions
What auto insurance is required in Montana?
Montana law requires drivers to carry liability insurance, which covers the cost of injuries and property damage you may cause to others in an accident.
Is auto insurance expensive in Montana?
Montana drivers pay around $160/mo for full coverage, which is more expensive than average. Great Falls, MT auto insurance rates are higher at $264/mo.
Why is Montana auto insurance so high?
Montana car insurance is more expensive than average because the state has one of the highest vehicle fatality rates in the country.
Are there any discounts available for auto insurance in Great Falls, MT?
Yes, many insurance companies offer various discounts that can help lower your auto insurance premiums. Some common discounts include good driver discounts, multi-policy discounts, safe vehicle discounts, and discounts for completing defensive driving courses. It’s best to check with your insurance provider to see which discounts you may be eligible for.
What is the best auto insurance in Great Falls, Montana?
Liberty Mutual has the best rates on Great Falls auto insurance for most drivers, including teens.
Who is cheaper for Great Falls, MT auto insurance, Geico or Progressive?
Geico Great Falls, MT car insurance rates are cheaper than Progressive by about $80/mo.
How much is full coverage auto insurance in Great Falls, Montana?
Full coverage costs around $264/mo in Great Falls.
How much is Great Falls, MT auto insurance for an 18 year old?
Great Falls, MT auto insurance rates for an 18-year-old driver average $479/mo.
Does insurance follow the car or the driver in Montana?
Auto insurance follows the car in Great Falls, MT.
Is Montana a no-fault state?
No, Montana is a tort state where at-fault drivers are responsible for paying their share of damages in an auto accident.
Is Montana a PIP state?
No, personal injury protection (PIP) insurance is not required to drive in Montana.
Is it illegal to not have auto insurance in Montana?
Drivers must carry at least minimum liability insurance. You could face 10 days to six months in jail for driving without insurance in Montana.
Does Montana require insurance to register a vehicle?
Drivers must provide a valid driver’s license and proof of insurance to register a vehicle in Great Falls, Montana.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.