Great Falls, MT Auto Insurance | Cheap Car Insurance in Great Falls, MT

Great Falls, MT auto insurance requires a basic coverage of 25/50/10. Cheap car insurance in Great Falls, MT can start at monthly rates of $20 with National Farmers Union. Some of the best Great Falls, MT car insurance companies may include National Farmers Union, State Farm, Cal Casualty, Allstate, and Allied.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Montana auto insurance lists its minimum liability coverage as 25/50/10. Residents browsing for cheap car insurance in Great Falls, MT can find affordable rates. National Farmers Union, State Farm, Cal Casualty, Allstate, and Allied rank as some of the best Great Falls, MT car insurance companies. National Farmers Union leads in providing Great Falls, MT auto insurance at $20.

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+)”.

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

Great Falls, MT Driving Facts

The auto insurance coverage requirements in Montana are:

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!

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Cheapest Car Insurance in Great Falls, MT

Average Monthly Auto Insurance PremiumsLegend: Great Falls National Farmers Union State Farm Cal Casualty Allstate Allied 51015202530354045$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. There are a variety of companies to browse, including Safeco [auto] Insurance Great Falls, MT, Cogswell Insurance Great Falls, MT and more.

Great Falls, Montana auto insurance companies 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, affordable Great Falls, MT auto insurance differs from business to business. To make sure you are still paying the cheapest premium, assess insurance estimates over the internet.

Major Factors in Cheap Car Insurance in Great Falls, Montana

When Great Falls, Montana car insurance companies get 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 CodeLegend: Great Falls Missoula Butte Billings Bozeman National Farmers Union State Farm Cal Casualty Allstate Allied 51015202530354045$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, MTLegend: Great Falls Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 111111


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 PolicyLegend: Basic Coverage Comprehensive Coverage National Farmers Union State Farm Cal Casualty Allstate Allied 102030405060708090100110120$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 ScoreLegend: Excellent Credit Poor Credit National Farmers Union State Farm Cal Casualty Allstate Allied 10203040506070$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 ComparisonLegend: 34 Year Old Male 17 Year Old National Farmers Union State Farm Cal Casualty Allstate Allied 153045607590105120135150$20Do 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 Great Falls, MT auto insurance 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 ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident National Farmers Union State Farm Cal Casualty Allstate Allied 102030405060708090$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/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder National Farmers Union State Farm Cal Casualty Allstate Allied 153045607590105120135150$20$121$28$115$28$148$44$162$48$102


Minor Factors in Cheap Auto Insurance in Great Falls, Montana

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 the best car insurance in Great Falls, MT 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.

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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 car insurance cost 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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Free Auto Insurance Comparison

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