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.
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 |
Find Affordable Great Falls Rates
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
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.
Quotes Analyzed
Brands Reviewed
Years Of Experience
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.
