Great Falls, MT Car Insurance

The average cost for car insurance in Great Falls is about $83 a month. To learn more about what you're likely to pay in the Great Falls area, read our guide below.
Are rates in Great Falls higher or lower than those in neighboring areas? How do they compare to the rest of Montana? What should residents of Great Falls expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Great Falls?

Area Average Monthly Car Insurance Premium
Great Falls$83
MT$71
United States$80

Based on the information in the chart above, you can see that on average, it's about $12 a month more expensive to insure your vehicle in Great Falls than it is in the rest of Montana.

If you're considering relocating to Great Falls from out of state, you may want to budget a little extra for your insurance. The cost of auto coverage in Great Falls is about $3 more expensive than the national average.

These rates may be the average amount Great Falls drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't worry, we've done the work for you and broken down average rates for Great Falls to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$147
25-34$61
35-44$65
45-54Not Enough Data
55-64$29
65+$67

The older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $80 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up in Great Falls.

Average Car Insurance Rates by Gender

Gender Average
Male$83
Female$82

Car insurance rates for men are usually slightly more expensive than they are for women. The price to insure your vehicle in Great Falls, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$90
Multiple Accidents$186
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Great Falls, drivers with one accident on their record will experience rates around $90 a month.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$90
4-5 Years$146
6-7 Years$51
8-10 Years$43
11-14 Years$98
15 Years or Older$75

In terms of affordable coverage, the cheapest vehicles to insure in Great Falls are typically trucks and vans, at $66 per month.

Car owners, on the other hand, by and large pay around $86 per month, while SUV drivers can expect to pay about $85 a month to insure their vehicle.

Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Great Falls, vehicles four-to-five years old and eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$90
Married$65
Divorced$46

Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Great Falls is no exception, with the difference totaling to around $25 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$60
Rent$89
Live with parents$200

Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $29 a month more than those who own their own home in Great Falls. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Great Falls, MT

Recent trends in car insurance for Great Falls drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of auto insurance coverage in Great Falls went up from 2015-2016, before steadying out in 2017. Car insurance rates finished down in 2020, at $92 per month

How does Great Falls compare to neighboring areas?

Why are car insurance rates in Great Falls different from other areas?

When considering how much to charge for coverage, car insurance companies will review a number of factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • Area regulations
  • Total amount of drivers in the area
  • Crime rates
  • Access to off-street parking
  • Frequency of car accidents

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Great Falls?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Don't worry, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering policies in Great Falls.

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Great Falls Insurance FAQs

What factors affect car insurance quotes in Great Falls?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Great Falls different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Great Falls?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Great Falls?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Great Falls or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes