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How much is car insurance in Great Falls?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Montana are about $13 a month cheaper than the rates drivers pay in Great Falls.
Likewise, the expected monthly payments for an auto insurance policy in Great Falls are above the national average. The cost of insuring a vehicle in Great Falls is about $4 more expensive than the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Great Falls, it's important to remember that you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But don't worry, we've broken down the average rates for Great Falls residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Great Falls drivers may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Great Falls, however, men actually pay a little bit less than female drivers for insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Great Falls with a single accident will pay around $95 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $80 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$80|
As you can see in the first table above, the cheapest vehicles to insure in Great Falls are usually trucks and vans, which run about $65 per month.
SUV drivers will see rates of about $85, while the rates for car owners average out to about $92 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Great Falls are vehicles four-to-five years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$93|
On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Great Falls can be as much as $28 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$200|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $31 a month more than those who own their own home in Great Falls. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Great Falls, MT
Recent trends in car insurance for Great Falls drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
In Great Falls, the rates for car insurance decreased from 2020-2021, before steadying out in 2022. Rates finished up in 2022, at $159 a month
How does Great Falls compare to neighboring areas?
Why are car insurance rates in Great Falls different from other areas?
There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Road Safety (how many accidents each locality has)
- Crime levels
- Number of drivers in the region
- Off-street parking availability
- Community laws
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Great Falls?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Great Falls.
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Great Falls Insurance FAQs
What factors affect car insurance quotes in Great Falls?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Great Falls different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Great Falls?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Great Falls?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Great Falls or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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