Cheapest Car Insurance In Great Falls, MT 2025
State Farm offers the most affordable minimum coverage car insurance in Great Falls, costing an average of $40 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Great Falls, MT, can be challenging, as rates differ significantly.
State Farm is the top choice for drivers seeking the lowest liability-only coverage. It also provides the best rates for full coverage policies. However, young drivers can find the most budget-friendly premiums with USAA.
Cheapest Car Insurance In Great Falls, MT
Cheapest Liability-Only Car Insurance In Great Falls: State Farm
State Farm offers the most affordable minimum coverage car insurance in Great Falls, with an average monthly rate of $40.
Check the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $47 | $654 |
| Progressive | $61 | $732 |
| State Farm | $40 | $480 |
| Safeco | $55 | $660 |
| Midvale Home & Auto | $52 | $624 |
Cheapest Full Coverage Insurance Rates In Great Falls: State Farm
State Farm offers the lowest rates for full coverage car insurance in Great Falls, with an average monthly premium of $101.
Refer to the table below to compare quotes from other budget-friendly insurance providers in Great Falls.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $125 | $1,500 |
| USAA | $109 | $1,308 |
| Farmers | $170 | $2,040 |
| State Farm | $101 | $1,212 |
| Safeco | $112 | $1,344 |
Cheapest Car Insurance Rates For Seniors: USAA
USAA offers the most affordable car insurance for seniors in Great Falls, with an average monthly rate of $52.
The table below highlights average quotes from the cheapest insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allied | $97 | $1,164 |
| State Farm | $65 | $780 |
| Farmers | $105 | $1,260 |
| USAA | $52 | $624 |
| Unitrin | $90 | $1,080 |
Cheapest Rates In Great Falls For Teenagers: USAA
Teen drivers in Great Falls can get the most affordable rates from USAA, with an average monthly premium of $187.
Check the table below for a comparison of the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allied | $288 | $3,456 |
| Unigard | $190 | $2,280 |
| Farmers | $440 | $5,280 |
| USAA | $187 | $2,244 |
| State Farm | $239 | $2,868 |
Cheapest Auto Insurance For Young Adults in Great Falls: USAA
USAA provides the most affordable car insurance for young adults in Great Falls, with an average monthly rate of $101.
Use the table below to compare the lowest auto insurance rates for young adults in Great Falls.
| Provider | Average Monthly Cost | Average Annual Cost |
| Unigard | $210 | $2,520 |
| USAA | $101 | $1,212 |
| State Farm | $127 | $1,524 |
| National Farmers Union P&C | $123 | $1,476 |
| Allied | $195 | $2,340 |
Cheapest Car Insurance In Great Falls For Good Drivers: State Farm
State Farm offers the lowest car insurance rates for good drivers in Great Falls, with an average monthly cost of $40.
Check the table below to compare average quotes from the most affordable insurance providers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $47 | $564 |
| Progressive | $58 | $696 |
| State Farm | $40 | $480 |
| Safeco | $53 | $636 |
| Midvale Home & Auto | $49 | $588 |
Find Affordable Great Falls Rates
Cheapest Car Insurance In Great Falls After A Speeding Ticket: State Farm
State Farm is one of the most affordable options in Great Falls, offering an average monthly rate of $62 for drivers with a speeding ticket.
Use the table below to compare average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $73 | $876 |
| USAA | $67 | $804 |
| State Farm | $62 | $744 |
| Midvale Home & Auto | $70 | $840 |
| Progressive | $81 | $972 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance for drivers with an at-fault accident, with an average monthly rate of $55.
Below are the car insurance companies offering the lowest rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $69 | $828 |
| USAA | $63 | $756 |
| Progressive | $76 | $912 |
| State Farm | $55 | $660 |
| Midvale Home & Auto | $66 | $792 |
Cheapest Rates In Great Falls For Drivers After A DUI: State Farm
State Farm offers the lowest rates for drivers with a DUI in Great Falls, with average monthly premiums of $68.
Drivers in Great Falls with a DUI can find the most affordable rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Midvale Home & Auto | $75 | $900 |
| Progressive | $87 | $1,044 |
| State Farm | $68 | $816 |
| Safeco | $80 | $960 |
| USAA | $73 | $876 |
Best Car Insurance Companies In Great Falls
State Farm offers the most affordable car insurance in Great Falls, with an average monthly premium of $95. USAA is another option, at $104 a month, followed by Midvale Home & Auto at $112 per month.
The table below shows the top 10 car insurance companies in Great Falls, MT, ranked by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $95 |
| USAA | $104 |
| Midvale Home & Auto | $112 |
| Nationwide | $115 |
| Safeco | $120 |
| National Farmers Union P&C | $124 |
| Progressive | $127 |
| Unigard | $153 |
| Farmers | $180 |
| Allstate | $198 |
Average Auto Insurance Rates In Great Falls – By Age
Age plays a significant role in determining car insurance rates. Younger drivers generally face higher premiums due to their limited driving experience and higher risk of accidents or violations. Teenagers, for example, can expect to pay about $3,852 annually for car insurance.
As drivers reach 25, their premiums typically begin to decrease, provided they maintain a clean driving history.
Drivers in their 50s and early 60s often receive the most competitive insurance rates. Insurers use age to gauge experience and risk, which affects the overall cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $3,852 |
| 20s | $2,220 |
| 30s | $1,152 |
| 40s | $1,224 |
| 50s | $1,056 |
| 60s | $924 |
| 70s | $1,212 |
Average Rates In Great Falls – By Vehicle
The type of vehicle you drive significantly impacts your car insurance premiums. Insurers consider factors like the make, model, year, and body type when calculating rates. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, tend to have higher premiums.
The table below shows the average insurance rates in Great Falls for various types of vehicles.
| Vehicle | Average Monthly Rate |
| Ram 1500 | $107 |
| Ford F150 | $182 |
| Chevrolet Trailblazer | $70 |
| Dodge Journey | $115 |
| GMC Sierra | $72 |
How Much Is Car Insurance In Other Cities in Montana?
Where you live has a major impact on your car insurance rates. Insurers assess factors like the likelihood of accidents, vehicle theft, and vandalism in your area, with urban locations typically facing higher rates due to increased risk.
For example, drivers in Bozeman can expect an average monthly premium of $135, while those in Missoula pay around $118 per month.
| City | Average Monthly Rate |
| Bozeman | $135 |
| Missoula | $118 |
| Whitefish | $120 |
| Kalispell | $134 |
| Helena | $105 |
| Busby | $109 |
| Butte | $110 |
| Roundup | $117 |
| Billings | $143 |
| Bridger | $90 |
Average Cost Of Auto Insurance In Great Falls- By Zip Code
Insurance companies use zip codes to assess crime rates and other factors specific to your area, which is why car insurance rates can vary by zip code.
The table below shows the average insurance rates for different zip codes in Great Falls.
| Zip Code | Average Monthly Rate |
| 59405 | $140 |
| 59404 | $114 |
| 59401 | $106 |
Find Affordable Great Falls Rates
Our Methodology
Based on a thorough analysis of factors like customer service ratings, product offerings, pricing, and insights from various online reviews and user experiences, I’ve put together a detailed overview of the car insurance landscape in Great Falls, MT.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Great Falls?
State Farm provides the lowest car insurance rates in Great Falls, both for the minimum coverage required by the State of Montana and for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Great Falls?
The average car insurance cost in Great Falls is approximately $132 per month. However, rates can vary depending on factors like your zip code, the year and model of your car, and your driving history.
