Cheapest Auto Insurance in Great Falls, Montana (2024)

The overall average car insurance rate in Great Falls is $144 per month, on par with the state average of $142 and slightly less expensive than the national average of $159. Drivers in Great Falls pay an average of $102 per month for liability coverage and $186 per month for full coverage.

Your car insurance rates could be higher or lower, however. It depends on factors like your driving record, location, and age. Always compare car insurance quotes from multiple insurers before choosing a policy.

Cheapest car insurance companies in Great Falls

Great Falls residents have several car insurance options that offer affordable rates for liability coverage. When you comparison shop for car insurance, remember the best company will tailor its coverage and your policy to your specific needs. 

Below are three top cheap car insurance companies that serve the Great Falls area to check out as you begin your search. Rates shown in the table are for the state of Montana.

Best insurer for cheap rates: State Farm

Best insurer for military members and their families: USAA

Best insurer for roadside assistance: Safeco

Find Cheap Car Insurance in Great Falls, Montana

Liability coverage quotes start at $42 per month

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How to get the cheapest car insurance in Great Falls

Full-coverage car insurance costs $186 per month in Great Falls, on average. However, you can find lower premiums if you know how to look. The tips below can help you reduce your car insurance rates:

• Compare car insurance quotes. Even if you like the first quote you get, it’s always a good idea to shop around. You may find cheaper rates for the same coverage from another insurer since every insurer weighs rating factors differently.

• Bundle insurance policies with one company. Bundling your car insurance with a homeowners or renters policy is more convenient for you, and many insurers offer multi-policy discounts for people who do.

• Look for car insurance discounts. When you get a car insurance quote, don’t rely only on the company’s agents to tell you what discounts you might be eligible for. Check out the insurer’s discount page and have an idea of which ones could help you save money on your policy.

• Adjust your coverage. Your car insurance policy shouldn’t be a “set it and forget it” situation. Reducing your coverage limits or raising your deductible could help you lower your premiums. Check with your insurance agent periodically to see if you have the appropriate amount of coverage.

Cheapest liability-only car insurance in Great Falls

Liability car insurance is the least amount of coverage you must carry to drive in the state of Montana legally. It covers costs related to bodily injury and property damage another driver suffers due to a car accident where you’re at fault. Liability coverage doesn’t pay for your vehicle or car accident-related medical bills, however.

State Farm offers the cheapest liability-only car insurance in Great Falls, at $42 per month. The table below shows the lowest liability-only insurance quotes in Great Falls.

Cheapest full-coverage car insurance in Great Falls

While liability-only car insurance covers other drivers’ vehicle damage and medical bills, full coverage protects you, your vehicle, and your finances. It’s ideal if your car is newer or you couldn’t afford to pay for a replacement if it was declared a total loss after a car accident. If you financed your car, your lender will likely require you to carry full coverage until you pay off the loan.

State Farm also offers the cheapest full-coverage car insurance, with a monthly rate of $98. The following table shows the cheapest full-coverage car insurance quotes in Great Falls.

Car insurance requirements in Montana

Montana is an at-fault state, meaning the at-fault driver is financially responsible for any damage they cause. Every driver must carry the minimum-required car insurance coverage to drive in Montana legally. 

These are the minimum coverage levels you need to carry:^[1]

Remember, this is the minimum amount of car insurance coverage you need to drive legally in Montana. You can add more coverages to your policy to better protect yourself and your vehicle. Here are a few of the optional coverages you can add to your Great Falls car insurance policy:

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  Comprehensive coverage

  Comprehensive coverage helps pay for your vehicle repairs for non-collision accidents, such as hitting an animal, theft, and vandalism. If you hit a deer, comprehensive coverage would pay for your vehicle. If you swerve and miss the deer but hit another car or tree, collision would cover it. This is why most lienholders require you to carry both coverages.

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  Collision coverage

  Collision coverage helps pay for repairs to your car if another vehicle hits it. The coverage also works if you hit another car or object. Collision coverage can be used whether you’re at fault or not.

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  Uninsured/underinsured motorist coverage

  Most states require drivers to carry car insurance, but that doesn’t mean all drivers do. Uninsured/underinsured motorist coverage can help you pay for damages or medical expenses if someone uninsured hits your vehicle.

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  Medical payments coverage

  Medical payments coverage pays for medical expenses you and your passengers face after an accident. 

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  Personal injury protection (PIP) coverage

  Personal injury protection (PIP) covers medical bills for you or your passengers following car accident-related injuries, regardless of who’s at fault. PIP can also help pay for lost income and other injury-related expenses, depending on the state.

Cheapest car insurance for drivers with an incident

Maintaining a clean driving record and practicing safe driving habits are great ways to keep your car insurance premiums low. Incidents do happen, however. When incidents such as speeding tickets, at-fault accidents, and driving under the influence happen, there’s a good chance your premium will increase.

But insurance companies don’t have a universal premium increase rate. The severity of the rate increase following an incident varies by insurer. The following sections will show you how various incidents can affect your car insurance rates in Great Falls.

Average cost of car insurance by age

Age is one of the main factors car insurance companies consider when determining rates. Teen drivers have the highest rates due to their lack of experience behind the wheel. Insurers reward drivers with lower premiums as they gain more experience, usually around age 35.

Unfortunately, insurers often increase drivers’ rates when they reach age 70, as older drivers are more likely to get into a car accident because of visual impairments and physical or cognitive decline.

The table below demonstrates how car insurance rates can change in Great Falls depending on a driver’s age.

Shop for Car Insurance in Great Falls, MT

Liability rates start at $42 per month

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Great Falls car insurance quotes by credit tier

Car insurance companies can consider a potential policyholder’s credit history when determining rates in Montana. Insurance companies do so to gauge your likeliness to file a claim. Much like good credit will get you better loan terms, it’s also likely to secure you a more favorable car insurance rate than poor credit would.

The table below shows the difference in what Great Falls residents can expect to pay per month for car insurance based on their credit score:

Great Falls car insurance FAQs