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Cheap Auto Insurance Quotes in Great Falls, MT (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Great Falls is $153 per month, or $1836 annually.
- Car insurance in Great Falls is $12 less than the average cost of car insurance in Montana.
- The cheapest car insurance provider in Great Falls on average is Foremost GroupSelect℠, but you should always compare quotes to find your best personal rate.
Car Insurance in Great Falls, MT
The average cost of Montana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Great Falls, MT to find you the cheapest quotes in the area.
Quotes by Top Companies
State Farm$50
Progressive$58
Allstate$71
Travelers$72
The General$192
Cheapest Car Insurance in Great Falls, MT
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Great Falls | Quotes |
|---|---|
| State Farm | $50 /mo |
| Progressive | $58 /mo |
| Allstate | $71 /mo |
| Travelers | $72 /mo |
| The General | $192 /mo |
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Minimum Car Insurance Requirements in MT
Understanding Montana car insurance requirements is the first step to getting low-cost car insurance. Every state has at least slightly different rules and regulations when it comes to car insurance, so it’s important to know the difference between required, recommended, and optional coverage limits.
According to the Montana Department of Justice, Montana auto insurance requirements include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability in total per accident
- $20,000 property damage liability
In addition to these minimum coverage levels, drivers must be offered underinsured/uninsured motorist protection in the minimums of $25,000/$50,000 bodily injury coverage. While not required to carry underinsured or uninsured motorist coverage, Montana drivers must reject these riders in writing if they want to remove it from their policy.
Find local Great Falls agents
Leavitt Great West Insurance Services, LLC Great Falls
21 3rd St N Ste 3B,
Great Falls, MT 59401-3146PayneWest Insurance Great Falls
405 3rd St NW,
3rd Floor, Great Falls, MT 59404Hub International Mountain States Ltd. Great Falls
100 Park Dr S,
Great Falls, MT 59401-3637Stockman Insurance, Inc. Great Falls
25 5th Street North,
Great Falls, MT 59401Bryant-Arrotta Insurance Agency
1520 3rd St NW Ste G,
Great Falls, MT 59404-1957Patterson Insurance Agency Inc
104 2nd Street S,
Ste 200, Great Falls, MT 59401Cascade Farmers Mutual Insurance Agency
5000 9th Ave S,
Great Falls, MT 59405Cogswell Insurance Agency LLC
800 9Th St S,
Great Falls, MT 59405-2136Boland Agency, Inc.
104 2nd St S,
Great Falls, MT 59401-3600Jo Bridgeford Insurance Agency
300 15th St S UNIT 9,
Great Falls, MT 59405
FAQs - Great Falls, MT Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Great Falls Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Great Falls, Montana below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Great Falls drivers measure up to their fellow motorists across Montana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Great Falls
#5
City with the Most Speeding Tickets Rank in Montana
#3
City with the Most Moving Violations Rank in Montana
#7
City with the Most DUIs Rank in Montana
#1
City with the Most Suspended Licenses in Montana
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Great Falls drivers rank 4 in the number of car accidents per driver across all cities in Montana.
- Rank within state: #4
- Percent of drivers in Great Falls with an accident: 10.43%
- Drivers in Great Falls, MT with an accident in their driving history pay on average 8.11% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Montana, Great Falls drivers rank 5 in the number of speeding infractions per driver.
- Rank within state: #5
- Percent of drivers in Great Falls with a speeding ticket: 9.65%
- Drivers in Great Falls, MT with a speeding ticket in their driving history pay on average 14.86% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Great Falls drivers rank 7 in the number of DUI’s per driver across all cities in Montana.
- Rank within state: #7
- Percent of drivers in Great Falls with a DUI: 2.76%
- Drivers in Great Falls, MT with a DUI in their driving history pay on average 0% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Great Falls is the Ford F-Series Pickup.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Montana, Great Falls drivers rank 3 in rude driving infractions.
- Rank within state: #3
- Percent of drivers in Great Falls with a reckless driving violation: 2.36%
- Drivers in Great Falls, MT with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Great Falls drivers rank 1 in clean driving records across all cities in Montana.
- Rank within state: #1
- Percent of drivers in Great Falls with clean record: 79.53%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Great Falls drivers rank 3 in failure to yield violations per driver across all cities in Montana.
- Rank within state: #3
- Percent of drivers in Great Falls with a failure to yield violation: 0.39%
- Drivers in Great Falls, MT with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Montana, Great Falls drivers rank 1 in the number of reckless driving offenses per driver.
- Rank within state: #1
- Percent of drivers in Great Falls with a reckless driving offense: 0.79%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Great Falls drivers rank 6 in hybrid and electric vehicle ownership across all cities in Montana.
- Rank within state: #6
- Percent of drivers in Great Falls with a hybrid/electric vehicle: 0.31%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others