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In the market for affordable auto insurance in Great FallsMT? From, you will find the best insurance rates in your city. In order to obtain free car insurance estimates available from the major providers right away, input your postal code within the quote box on this site.

The city of Great Falls, Montana is aptly named for a closely linked series of five waterfalls discovered during the Lewis and Clark expedition. Today these waterfalls provide clean and abundant electricity to the immediate area via hydroelectric dams. Great Falls is also known for its museums, abundance of natural landmarks, and their minor league baseball team, the Voyagers.

  • Fun fact: That didn’t take long! Because Great Falls is #2 on the list of “Top 100 cities with shortest commuting times (pop. 50,000+)”.

Auto Insurance Coverage Requirements in Montana

Driving legally in Great Falls requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Montana has some of the lowest requirements for insurance compared to other states. But just because you can get the bare minimum coverage, doesn’t mean you should. This especially true the younger your vehicle is, or if you happen to still be making payments on it.

Unfortunately, the average monthly bill for most Montana drivers is as high as $168/month or more. However, living in Great Falls has some secret advantages – including the ability to get insured for $34/mo* or less!

Average Monthly Auto Insurance Premiums Legend: Great Falls National Farmers Union State Farm Cal Casualty Allstate Allied 5 10 15 20 25 30 35 40 45 $20 $28 $28 $44 $48


If you want the lowest rate possible, then you might want to look into National Farmers Union, State Farm, or Cal Casualty for your next policy. But don’t rush to another company just to get a lower premium. Make sure they offer top-notch customer service and claims filing, too.

Auto insurance carriers evaluate several factors when calculating insurance prices, particularly marital status, where you live, occupation, years of driving experience, and current insurance coverage and limits. Also, premiums differ from business to business. To make sure you are still paying the cheapest premium, assess insurance estimates over the internet.

Major Car Insurance Factors in Great Falls

When your car insurance agency gets ready to build your insurance policy, they take many variables into mind. A few of these, such as your car’s make/model or your precise location, can be not possible to modify. Here are various other examples:

  • Your Zip Code

Where you park your car every night will probably have a serious influence on your auto insurance rate. Usually, auto insurance cost less in outlying areas because fewer cars and trucks signifies a reduced likelihood that you will get into a collision with some other automobile. The populace of Great Falls is 59,351 and the general family income is $42,832.

Auto Insurance by Zip Code Legend: Great Falls Missoula Butte Billings Bozeman National Farmers Union State Farm Cal Casualty Allstate Allied 5 10 15 20 25 30 35 40 45 $20 $19 $21 $20 $17 $28 $26 $27 $26 $21 $28 $27 $27 $28 $23 $44 $42 $37 $41 $39 $48 $41 $48 $43 $40


  • Automotive Accidents

The number of fatal accidents in Great Falls is, thankfully, very low. And there’s even more good news: you might already be enjoying lower insurance premiums because of it. Insurance companies often provider lower rates to drivers who live in cities where accidents are infrequent.

Fatal Accidents in Great Falls, MT Legend: Great Falls Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 1 1 1 1 1


  • Auto Thefts in Great Falls

Sometimes in smaller cities or outlying towns, auto theft may still be an issue. To make it a lesser dilemma for you personally, think about investing in a passive anti-theft system on your automobile. Your actual car insurance company might reward you with lower premiums! Within Great Falls, there were only 104 auto thefts in 2013, which means that theft rates are in decline. But that shouldn’t completely deter you from adding Comprehensive coverage options to your auto policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage National Farmers Union State Farm Cal Casualty Allstate Allied 10 20 30 40 50 60 70 80 90 100 110 120 $20 $103 $28 $90 $28 $123 $44 $120 $48 $104


  • Your Credit Score

In Great Falls, just like in many other parts of the country, your credit score is a major factor in how much your automotive insurance will cost you. In the chart, the difference is clear: drivers with poor credit are paying double (or more) than motorists with a perfect credit score.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit National Farmers Union State Farm Cal Casualty Allstate Allied 10 20 30 40 50 60 70 $17 $32 $23 $54 $23 $52 $35 $71 $42 $74


  • Your Age

The less driving experience you have, the more likely you are to get into or cause an accident; that’s why young adults and teenagers end up getting charged so much more. Luckily, there are Driver’s Ed and Good Student discounts available for responsible young individuals.

Auto Policy Age Comparison Legend: 34 Year Old Male 17 Year Old National Farmers Union State Farm Cal Casualty Allstate Allied 15 30 45 60 75 90 105 120 135 150 $20 Do Not Sell $28 $80 $28 $86 $44 $152 $48 $131


  • Your Driving Record

Whether you’ve been in a serious accident or collected a few minor speeding tickets, chances are your rates will go up with a less than perfect driving record. But don’t panic yet – there are providers who offer “Accident Forgiveness” discounts which will lower your monthly rate.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident National Farmers Union State Farm Cal Casualty Allstate Allied 10 20 30 40 50 60 70 80 90 $20 $27 $31 $32 $28 $31 $31 $34 $28 $33 $66 $36 $44 $49 $60 $63 $48 $56 $91 $69


  • Your Vehicle

The more expensive your car is, the more insurance coverage you will need to purchase in order to cover it accurately. If your Bentley gets totaled or your Ferrari is stolen, and all you have is the state minimum coverage, you’ll basically end up paying for a whole new luxury vehicle. That’s why it’s better to get exactly the coverage you need, even if it does cost more each month.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder National Farmers Union State Farm Cal Casualty Allstate Allied 15 30 45 60 75 90 105 120 135 150 $20 $121 $28 $115 $28 $148 $44 $162 $48 $102


Minor Car Insurance Factors in Great Falls

Don’t overlook these other important factors, though:

  • Your Marital Status

If you are married, you are probably already aware of the significant discounts you can get from bundling your auto policy with your spouse. The only catch, of course, is that you have to both be insured by the same company.

  • Your Gender

Recently, many insurance providers began charging male and female drivers the same rates. Those that still have a gender gap may only charge a difference of 1-2%, at most. And determining which gender pays the higher rate varies from one insurance company to another.

  • Your Driving Distance to Work

Thankfully, most commute times in Great Falls are only 13-15 minutes each way. Most drivers will get where they’re going by driving their own vehicle solo (79%). On average, somewhere between 4-17% will choose to carpool; however, in some parts of the city, that number could climb as high as 25%.

Has anyone ever told you that you could lower your premiums by driving less? Well, it’s technically true, but difficult to achieve any major savings. Even slashing your yearly mileage by 5,000 or more will only lower premiums by about 4-5%.

  • Your Coverage and Deductibles

Concerned about the high monthly premium of your comprehensive insurance policy? Well, you can try to lower it by raising your deductibles. But do yourself a favor and put a little money aside, just in case. After all, you never know when you might have to file a claim.

  • Education in Great Falls, MT

There is a new trend in auto insurance which can save you a lot of money each year. This trend is related to education: the more you have, the bigger the discount you will be offered. These discounts are even bigger than those for having a specific job, or making a large yearly salary. In Great Falls, there are approximately 33% of residents who have their high school diploma or other equivalent, while 17% of residents have 1 year or more of college experience. Read up on Great Falls by visiting here.

There are a few different options to choose from when searching for a higher education in Great Falls. MSU-GF (Montana State University – Great Falls) is a two-year technical college which is part of the public Montana University System. For a private institution, prospective students can look into the University of Great Falls (which is affiliated with the Catholic Church).

Finding reasonably priced automobile insurance can easily become a headache. There’s a lot of information you need to look at, and figuring out precisely how insurance agencies examine your prospective risk could be challenging. But don’t let the wrong insurance company to convince you to purchase a second-rate policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Montana Commissioner of Securities and Insurance

Montana Division of Banking and Financial Institutions

Department of Highway Safety and Motor Vehicles

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