Cheapest Car Insurance In Great Falls, MT 2025

At just $44 per month, State Farm provides the most budget-friendly minimum auto insurance in Great Falls.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 02 May 2025
Written by Bob Phillips
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Finding the lowest car insurance rates in Great Falls, MT isn’t always straightforward—costs can differ a lot.

Drivers wanting the cheapest liability insurance will find State Farm to be the most affordable. Those who need full coverage often save more with State Farm, and young drivers usually get the best rates from USAA.

Cheapest Car Insurance In Great Falls, MT

Cheapest Liability-Only Car Insurance In Great Falls: State Farm

State Farm is the most budget-friendly choice for minimum coverage in Great Falls, with rates averaging $44 a month.

The chart below shows how much each insurance company charges, so you can compare them side by side.

Provider Average Monthly Cost Average Annual Cost
State Farm $44 $528
Progressive $55 $660
Allstate $87 $1,044
USAA $49 $588
GEICO $83 $996

Cheapest Full Coverage Insurance Rates In Great Falls: State Farm

If you’re looking for full coverage in Great Falls, State Farm offers the best deal at around $101 a month.

Below is a comparison of average car insurance rates from some of the cheapest providers in Great Falls.

Provider Average Monthly Cost Average Annual Cost
State Farm $101 $1,212
USAA $109 $1,308
Farmers $175 $2,100
GEICO $190 $2,280
Safeco $112 $1,344

Cheapest Auto Insurance For Young Adults in Great Falls: USAA

USAA offers the most budget-friendly car insurance for young adults in Great Falls, with rates around $104 per month.

See the table below for a comparison of the most budget-friendly auto insurance rates for young adults in Great Falls.

Provider Average Monthly Cost Average Annual Cost
USAA $104 $1,248
Allied $202 $2,424
State Farm $127 $1,524
National Farmers Union P&C $123 $1,476
Unigard $210 $2,520

Cheapest Car Insurance Rates For Seniors: USAA

USAA has the lowest average monthly rate for seniors in Great Falls at just $50.

Seniors can compare average insurance rates from the most affordable providers in the table below.

Provider Average Monthly Cost Average Annual Cost
USAA $50 $600
Allied $99 $1,188
Farmers $105 $1,260
State Farm $65 $780
Unitrin $90 $1,080

Cheapest Rates In Great Falls  For Teenagers: USAA

The most budget-friendly option for teenage drivers in Great Falls is USAA, with rates averaging $185 per month.

Use the table below to compare which companies offer the lowest insurance rates for teenagers.

Provider Average Monthly Cost Average Annual Cost
USAA $185 $2,220
Allied $287 $3,444
Farmers $443 $5,316
Unigard $185 $2,220
State Farm $239 $2,868

Cheapest Car Insurance In Great Falls For Good Drivers: State Farm

For good drivers in Great Falls, State Farm provides the cheapest car insurance, with average monthly rates of $44

If you’re a responsible driver, use the table below to compare the best car insurance rates from low-cost providers.

Provider Average Monthly Cost Average Annual Cost
State Farm $44 $528
Progressive $55 $660
Allstate $87 $1,044
USAA $49 $588
GEICO $83 $996

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Cheapest Car Insurance In Great Falls After A Speeding Ticket: State Farm

For Great Falls drivers with a speeding ticket, State Farm provides affordable coverage at an average rate of $61 per month.

Use the table below to find out what drivers with a speeding ticket typically pay for insurance.

Provider Average Monthly Cost Average Annual Cost
State Farm $61 $732
USAA $67 $804
Farmers $110 $1,320
Midvale Home & Auto $70 $840
Progressive $77 $924

Cheapest For Drivers With After At-Fault Accident: State Farm

For those with an at-fault accident, State Farm offers the most budget-friendly car insurance, with rates around $64 a month.

The companies listed below offer the lowest car insurance rates for drivers with at-fault accidents.

Provider Average Monthly Cost Average Annual Cost
State Farm $64 $768
USAA $66 $792
Progressive $76 $912
GEICO $112 $1,344
Midvale Home & Auto $69 $828

Cheapest Rates In Great Falls For Drivers After A DUI: State Farm

State Farm offers the most budget-friendly insurance for drivers with a DUI in Great Falls, with an average monthly premium of $69.

The table below compares the lowest rates available for Great Falls drivers with a DUI.

Provider Average Monthly Cost Average Annual Cost
State Farm $69 $828
Progressive $87 $1,044
Farmers $122 $1,464
Safeco $80 $960
USAA $73 $876

Average Rates In Great Falls – By Vehicle

Car insurance rates are heavily affected by the type of vehicle you own. Insurance companies consider the make, model, year, and body style of your car. Generally, newer vehicles, especially luxury models, have higher premiums due to their advanced features and higher repair or replacement costs.

Check out the table below to see the average insurance rates for different vehicles in Great Falls.

Vehicle Average Monthly Rate
Ram 1500 $107
Ford F150 $182
Chevrolet Trailblazer $70
Dodge Journey $115
GMC Sierra $72

Best Car Insurance Companies In Great Falls

If you’re in Great Falls, State Farm provides the most affordable car insurance at $44 a month. Safeco at $52 and Progressive at $55 are other options to consider.

The table below ranks the 10 best car insurance companies in Great Falls, MT, according to their average monthly premiums.

Company Monthly Premium
State Farm $44
Progressive $55
Allstate $87
USAA $49
GEICO $83
Midvale Home $ Auto $50
Farmers $79
Safeco $52
Bristol West $89
Foremost $101

Average Auto Insurance Rates In Great Falls – By Age

Insurance rates are heavily influenced by age. Young drivers, particularly teens, face higher premiums due to their lack of driving experience and a higher risk of accidents. Teenagers typically pay around $3,867 each year for car insurance.

Once drivers hit 25, they can expect their insurance premiums to drop, provided they don’t have any violations or accidents.

Drivers in their 50s and early 60s typically enjoy the best insurance rates. Insurance companies use age as a way to evaluate risk and experience, influencing how much premiums cost.

Age Average Yearly Rate
Teenagers $3,867
20s $2,239
30s $1,173
40s $1,246
50s $1,078
60s $944
70s $1,225

How Much Is Car Insurance In Other Cities in Montana?

Your car insurance rates are influenced by the city you live in. Insurers consider local risks like accidents, vehicle theft, and vandalism, which are typically higher in urban areas, leading to increased premiums.

As an illustration, car insurance in Bearcreek averages $187 per month, while in Bridger, it averages $90 a month.

City Average Monthly Rate
Bozeman $135
Missoula $118
Whitefish $120
Kalispell $134
Bearcreek $187
Busby $109
Butte $110
Roundup $117
Billings $143
Bridger $90

Average Cost Of Auto Insurance In Great Falls- By Zip Code

The zip code you live in helps insurers evaluate crime levels in your area, which leads to varying car insurance rates by zip code.

Check out the table below for the average insurance rates by zip code in Great Falls.

Zip Code Average Monthly Rate
59405 $140
59404 $119
59401 $104

Find Affordable Great Falls Rates

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Our Methodology

Drawing from a detailed analysis of customer service, product variety, pricing, and online reviews, I’ve created an in-depth summary of the car insurance landscape in Great Falls, MT.

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Quotes Analyzed

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Brands Reviewed

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Years Of Experience

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Research Hours

FAQs

Who has the lowest car insurance rates in Great Falls?

If you’re in Great Falls, State Farm is your best bet for minimum coverage, while State Farm has the lowest price for full coverage that includes collision and comprehensive insurance.

What is the average cost of car insurance in Great Falls?

The typical cost of car insurance in Great Falls is about $130 a month. However, your premium may vary based on your zip code, car model, driving record, and more.

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