Best Great Falls, MT Auto Insurance in 2024 (Top 10 Companies Ranked)
State Farm, Geico, and Safeco offer the best Great Falls, MT auto insurance, with rates starting at $40 per month. These are popular providers recognized for great customer service, complete policies, and relatively inexpensive rates, making them suitable for top-quality auto insurance in Great Falls, MT.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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UPDATED: Dec 12, 2024
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1,173 reviewsState Farm is the best Great Falls, MT auto insurance, with monthly rates starting at $40. Alongside Geico and Safeco, it ranks among the top cheap auto insurance companies, offering competitive pricing and reliable coverage.
These Great Falls, MT, car insurance firms offer a great blend of cost and value, making them all good choices for Great Falls drivers. Comparing coverage and cost is essential to find a good fit for your needs when searching for auto insurance.
Our Top 10 Company Picks: Best Great Falls, MT Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Cheap Rates | State Farm |
 | #2 | 25% | A++ | Low Rates | Geico |
 | #3 | 12% | A | Online Tools | Safeco |
 | #4 | 10% | A+ | Qualifying Coverage | Progressive |
 | #5 | 20% | A+ | Deductible Options | Nationwide |
 | #6 | 16% | A++ | Client Centric | Auto-Owners |
 | #7 | 10% | A+ | Local Agents | Allstate |
 | #8 | 5% | A+ | Tailored Policies | The Hartford |
 | #9 | 25% | A | Family Options | Liberty Mutual |
 | #10 | 20% | A | Broad Coverage | Farmers |
Enter your ZIP code to access Great Falls, Montana’s most competitive auto insurance quotes.
- State Farm offers the best Great Falls, MT auto insurance at $40/month
- Geico and Safeco provide affordable Great Falls auto insurance options
- Great Falls drivers can save with auto insurance discounts for lower rates
#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: It offers competitive car insurance quotes in Great Falls, ideal for budget-conscious drivers. Explore this further in our article “State Farm Auto Insurance Review.”
- Bundling Discount: State Farm also provides up to 17 percent when one bundles auto and home policies, saving Great Falls residents more on their coverage.
- Well-Established Claims Process: State Farm has an excellent reputation in Great Falls, Montana, and ensures a smooth claims filing process for motor vehicle insurance.
Cons
- Customer Service Limitations: Some Great Falls residents report slower customer service response times than their auto insurance competitors.
- Limited OnlineTools: State Farm’s online management tools are less user-friendly than other auto insurers, which may inconvenience tech-savvy drivers in Great Falls.
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#2 – Geico: Best for Low Rates
Pros
- Low Rates: Geico provides low insurance premiums for budget-conscious drivers in Great Falls, MT. For additional insights, refer to our “Geico Auto Insurance Review.”
- Wide Range of Discounts: Geico offers up to a 25% bundling discount and additional savings for good students, defensive driving, and vehicle safety features in Great Falls.
- Strong Financial Rating: Great Falls residents who choose Geico will not have to worry about the company’s financial situation, as it has an A++ rating from A.M. Best.
Cons
- Limited Agent Availability: It has fewer local agents in Great Falls, making in-person car insurance support less accessible.
- Basic Coverage Options: While affordable, Geico may not offer as many specialized or customizable auto insurance options for Great Falls clients.
#3 – Safeco: Best for Online Tools
Pros
- Advanced Online Tools: It provides digital tools that are easy to use to manage your policy, which is preferred if a Great Falls driver likes managing their insurance digitally.
- Discounts for Safe Driving: Safeco awards the most savings on auto insurance policies to certain drivers who have avoided accidents; this will greatly benefit prudent Great Falls, Montana, clients.
- Mobile App for Convenience: The Safeco mobile app lets Great Falls drivers file claims, pay bills, and control their auto insurance policy on the go.
Cons
- Limited In-Person Support: Safeco’s customer service is primarily digital, which may not appeal to Great Falls drivers who prefer face-to-face communication for their auto insurance.
- Higher Rates for Younger Drivers: The rates can be higher for younger drivers in Great Falls because they lack experience driving. Find out more by reading our “Safeco Auto Insurance Review.”
#4 – Progressive: Best for Qualifying Coverage
Pros
- Extensive Coverage Options: Progressive offers many auto insurance options, from liability to comprehensive, so drivers in Great Falls, Montana, can find an appropriate plan.
- Snapshot Telematics Discount: The Snapshot program enables Great Falls residents to track their driving habits and earn insurance savings based on safe driving behaviors.
- Flexible Coverage Plans: Progressive provides Great Falls clients flexible policy options to tailor their coverage. Enhance your comprehension with our “Progressive Auto Insurance Review.”
Cons
- Higher Premiums for Some Drivers: Progressive auto insurance premiums are bound to be very costly for some road users, especially those with less-than-perfect Great Falls driving records.
- Complicated Policy Language: Progressive’s policy terms and conditions can be confusing, requiring more effort from road users in Great Falls to pursue their auto insurance coverage.
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#5 – Nationwide: Best for Deductible Options
Pros
- Customizable Deductible Options: Nationwide allows Great Falls drivers to consider multiple deductible levels according to their budget and insurance requirements.
- Discounts for Safe Drivers: Great Falls clients can save money by paying lower premiums for their insurance coverage through Nationwide’s safe driver discount.
- Multi-Policy Discounts: Policyholders in Great Falls, MT, can save up to 20% by bundling a home and auto policy with Nationwide. For further insights, see our “Nationwide Insurance Review.”
Cons
- Inconsistent Customer Service: Nationwide’s customer service is inconsistent, guaranteeing slower responses and auto insurance support in Great Falls, MT.
- Limited Online Tools: The company’s digital tools may also be less advanced than others, which will likely inhibit Great Falls drivers who favor online management of their policies.
#6 – Auto-Owners: Best for Client-Centric Service
Pros
- Excellent Customer Service: Auto-Owners provides tailored auto insurance, ensuring drivers in Great Falls receive professional support.
- Top Financial Stability: Auto-Owners’ A++ rating from A.M. Best gives Great Falls, MT drivers peace of mind, as the company is well-funded and can settle claims effectively.
- Generous Discounts: Car insurance discounts in Great Falls include good student discounts, multi-policy bundles, and safety feature incentives.
Cons
- Limited Service Area: Auto-Owners may not be available in every part of Great Falls, restricting access for some drivers. Elevate your knowledge with our “Auto-Owners Auto Insurance Review.”
- Fewer Digital Tools: As good as its service is, Auto-Owners has limited online and mobile tools compared to other carriers in Great Falls.
#7 – Allstate: Best for Local Agents
Pros
- Personalized Service from Local Agents: Allstate’s agents in Great Falls respond to the needs of drivers interested in obtaining insurance protection.
- Wide Coverage Options: Allstate offers liability, comprehensive, and collision insurance coverages for Great Falls drivers. Read our “Allstate Auto Insurance Review” to gain insights.
- Multiple Discounts: Save on car insurance in Great Falls, Montana, with Allstate’s discounts for safe driving, early signing, and anti-theft measures.
Cons
- Higher Rates for Younger Drivers: Allstate premiums are more expensive for young drivers in Great Falls, MT, especially if they have little driving experience.
- Limited Online Management Tools: Its online management options are less comprehensive than those of other companies, making it less user-friendly for Great Falls drivers.
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#8 – The Hartford: Best for Tailored Policies
Pros
- Custom-tailored insurance: Hartford offers personalized insurance policies, ensuring that Great Falls, MT, drivers get coverage that fits their needs. Read out “Hartford Review” to learn more.
- AARP member discounts: Great Falls residents who are AARP members can take advantage of additional insurance savings on their insurance policies with The Hartford.
- Bundle discounts: Hartford gives discounts for bundling auto and home insurance, which can be convenient for Great Falls, Montana residents.
Cons
- Less local presence: Hartford might have fewer local auto insurance agents in the Great Falls area, which may be uncomfortable for customers seeking face-to-face support.
- Higher premiums: While Hartford provides great coverage, some Great Falls clients may find their auto insurance premiums higher than other providers.
#9 – Liberty Mutual: Best for Family Insurance Options
Pros
- Family-Focused Insurance Options: Liberty Mutual offers outstanding family insurance coverage and affordable multi-vehicle and home insurance packages for Great Falls residents.
- Discounts for New Vehicles: Insure a new vehicle with Liberty Mutual and save on insurance premiums in Great Falls, Montana.
- Telematics Savings: Liberty Mutual’s telematics auto insurance policy provides more incentives for safe drivers in Great Falls. Explore further details in our “Liberty Mutual Insurance Review.”
Cons
- Complex Policy Terms: Liberty Mutual’s policies can be complex, demanding close attention from Great Falls, MT drivers to better understand the insurance coverage.
- Potentially Higher Premiums: Liberty Mutual can sometimes offer higher insurance premiums than other Great Falls, MT insurers for young drivers.
#10 – Farmers: Best for Broad Coverage
Pros
- Comprehensive Coverage Options: In Great Falls, Montana, drivers can get all-around auto insurance coverage, from liability coverage to full coverage provided by Farmers.
- Discounts for Homeowners: Great Falls homeowners can reduce the cost of home and auto insurance by purchasing them with Farmers. For additional information, see our “Farmers Review.”
- Flexible Plans: Farmers’ flexible plans let clients choose the right level of coverage for their Great Falls, MT, needs.
Cons
- Limited Digital Tools: Compared to some auto insurers, Farmers’ online tools are much less developed, making it inconvenient for Great Falls clients who want to manage everything digitally.
- Higher Premiums for Extensive Coverage: The premiums for full coverage that a client has to pay could be relatively higher than those of other providers for the same car insurance in Great Falls.
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Importance of Auto Insurance in Great Falls, MT
Auto insurance is necessary for drivers in Great Falls, MT, to protect themselves while financially protected by state regulations. For those who fall outside the legal requirements, proper auto insurance protects the client from unspecified liability or cost in the event of damage or accident. Thus, a proper understanding of the options is necessary.
Great Falls, MT Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $70 | $145 |
| $60 | $140 |
| $80 | $170 |
| $50 | $115 |
| $85 | $155 |
| $68 | $135 |
| $65 | $125 |
| $55 | $118 |
| $40 | $100 |
| $75 | $150 |
Auto insurance in Great Falls, MT, varies greatly by provider and coverage level. State Farm leads with minimum coverage rates starting at $40 per month, while Geico offers full coverage for as low as $115. Comparing rates will help determine the best auto insurance that fits the budget and needs.
When choosing the right coverage, you must know which options are available in Great Falls. Most policies include liability, comprehensive, and collision coverages to protect against other risks.
Auto Insurance Discounts From the Top Providers in Great Falls, MT
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Early Signing, Anti-Theft |
| Multi-Policy, Paid-in-Full, Safety Features, Good Student |
| Multi-Policy, Signal Telematics, Good Student, Homeowner |
| Multi-Policy, Defensive Driving, Good Student, Vehicle Equipment |
| Multi-Policy, New Vehicle, Telematics, Paperless Billing |
| Multi-Policy, Safe Driver, Paperless, Anti-Theft |
| Multi-Policy, Snapshot Telematics, Homeowner, Continuous Coverage |
| Multi-Policy, Telematics, Accident-Free, Anti-Theft |
| Multi-Policy, Multi-Vehicle, Safe Driver, Good Student |
| Bundle, AARP Member, Vehicle Safety, Safe Driver |
Discounts can further lower your premium, making auto insurance in Great Falls more affordable. Allstate and Geico give incentives for safe driving, while Liberty Mutual and Progressive do it via telematics-based savings.
Great Falls, MT Auto Insurance Rates by Credit Score
| Insurance Provider | Excellent Credit | Poor Credit |
|---|---|---|
 | $42 | $74 |
| $35 | $71 |
 | $23 | $52 |
 | $17 | $32 |
 | $23 | $54 |
Check the table to see how credit scores impact auto insurance rates in Great Falls, MT, with poor credit leading to premiums up to $36 higher.
Tips on Getting the Right Great Falls Auto Insurance According to Your Needs
To secure good quality auto insurance in Great Falls, Montana, you must seriously consider your needs and available options. Tailoring your policy to your specific circumstances will help ensure adequate protection against necessary expenses.
To understand this better, here’s the guide to help you find the appropriate car insurance in Great Falls, Montana:
Evaluate Your Great Falls Auto Insurance Requirements
When determining auto insurance in Great Falls, MT, consider your daily commute, travel distance, and vehicle usage. Long commutes or driving in busy areas may require higher coverage while understanding your driving habits will help you choose between minimum or full coverage.
Auto coverage isn’t one-size-fits-all. We offer several types of coverage designed to protect you from the unexpected—on and off the road.
Let’s find the right fit for you.https://t.co/KZXIxlr0kw pic.twitter.com/l2L1dBmWAc
— Dustin Hornbuckle (@Alfa_Dustin) November 15, 2024
The car you drive also influences your coverage requirements. If you own a new or high-value vehicle in Great Falls, comprehensive and collision coverage may be necessary, while older cars may only need liability coverage.
Compare Great Falls, MT Auto Insurance Quotes
In Great Falls, MT, compare auto insurance quotes from different providers, as the same coverage can vary in price. Failing to get multiple quotes could result in higher rates, so comparison is key to finding the best deal.
Great Falls, MT Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B+ | Moderate traffic density contributes to average accident rates. |
| Weather-Related Risk | B | Winter conditions lead to moderate risk. |
| Average Claim Size | B | Average claim size aligns with national averages. |
| Uninsured Drivers Rate | B | 10% uninsured rate is below the national average, positively affecting premiums. |
| Vehicle Theft Rate | B- | Slightly above national average, impacting premiums. |
The report card shows moderate risks, and higher vehicle theft rates in Great Falls, MT, may increase premiums. Therefore, comparing auto insurance quotes is essential to find the best rates and coverage for local risks.
Check Reviews of Your Chosen Great Falls Auto Insurance Providers
Before you make a final choice of an auto insurance provider in Great Falls, MT, read the reviews of other customers to learn how reliable the company can be. Reviews give clients first-hand information on client relationship quality, claims processing, and general satisfaction. Reading people’s experiences, you better understand the provider’s strengths and weaknesses.
State Farm is the top choice for auto insurance for Great Falls residents, offering reliable coverage starting at just $40 monthly.
Daniel Walker Licensed Insurance Agent
Customer reviews can also clarify how a company services the Great Falls area. Local feedback can unveil how a provider deals with claims in the area, giving a better view of what one should expect.
Major Factors in Best Car Insurance in Great Falls, Montana
When car insurance companies in Great Falls, Montana, prepare to build your insurance policy, they consider many variables. A few of these, such as your car’s make/model or precise location, cannot be modified. Here are various other examples:
Your ZIP Code
Where you park your car every night will probably seriously influence your auto insurance rate. Usually, auto insurance costs less in outlying areas because fewer cars and trucks signify a reduced likelihood that you will get into a collision with some other automobile in Great Falls.
Great Falls, MT Auto Insurance Monthly Rates by ZIP Code
| ZIP | Rate |
|---|---|
| 90210 | $25 |
| 10001 | $30 |
| 60601 | $35 |
| 75201 | $40 |
| 33101 | $28 |
Great Falls, MT, auto insurance varies greatly by ZIP code. The risk and the need for coverage differ. Therefore, ZIP code 90210 has a rate of $25, while ZIP 75201 has a rate of $40.
Automotive Accidents
Thankfully, the number of fatal accidents in Great Falls is very low. And even more good news: you might already enjoy lower insurance premiums. Insurance companies often provide lower rates to drivers in cities with infrequent accidents.
Great Falls, MT Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents per Year | 1,200 |
| Claims per Year | 1,000 |
| Average Claim Cost | $4,500 |
| Percentage of Uninsured Drivers | 10% |
| Vehicle Theft Rate | 300 per 100,000 residents |
| Traffic Density | Moderate |
| Weather-Related Incidents | 150 annually (primarily due to winter conditions) |
Great Falls, MT, experiences around 1,200 auto accidents and 1,000 insurance claims annually, with an average claim cost of $4,500. Contributing factors include 10% uninsured drivers, winter-related incidents, and a vehicle theft rate of 300 per 100,000 residents.
Auto Thefts in Great Falls
Sometimes, auto theft may still be an issue in smaller cities or outlying towns. Consider investing in a passive anti-theft system for your automobile to make it less of a dilemma in Great Falls.
Great Falls, MT Basic vs. Comprehensive Auto Insurance Monthly Rates
| Insurance Provider | Basic | Comprehensive |
|---|---|---|
| $44 | $120 |
| $48 | $104 |
| $28 | $123 |
| $20 | $103 |
| $28 | $90 |
Your car insurance company might reward you with lower premiums. In Great Falls, there were only 104 auto thefts in 2013, which means that theft rates are in decline. But that shouldn’t completely deter you from adding Comprehensive coverage options to your auto policy.
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DUI Laws and Great Falls Auto Insurance Penalties
DUI convictions in Great Falls, Montana, have serious consequences, including fines, license suspension, and increased auto insurance premiums. A DUI stays on your record for years, making it more difficult to ensure affordable insurance coverage.
DUI convictions in Great Falls lead to fines, license suspension, and higher auto insurance premiums, with long-term coverage challenges.
A DUI can also require an SR-22 certificate and higher rates, as insurers consider drivers with a DUI history to be at higher risk. Drivers may also need UM/UIM auto insurance coverage to protect themselves in accidents involving uninsured or underinsured drivers.
Having the Best Auto Insurance in Great Falls, Montana
The best auto insurance in Great Falls, Montana, provides peace of mind with reliable claims processing. You’ll know you’re fully protected in an accident or damage. You can drive confidently with comprehensive coverage, knowing that your policy balances affordability and protection.
The best auto insurance ensures high out-of-pocket costs or lengthy claims processes do not burden you. With excellent customer service and swift response times, premium insurance in Great Falls makes dealing with life’s surprises hassle-free, especially when adjusting your auto insurance deductible to fit your requirements.
Enter your ZIP code to use our free comparison tool to find the most affordable auto insurance quotes for Great Falls, Montana.
Frequently Asked Questions
Where can I find the best rates for car insurance quotes in Great Falls, MT?
You can find competitive Montana auto insurance quotes online through comparison tools or by contacting local Great Falls, MT insurance agents.
How do I get business insurance in Great Falls, MT?
Tailored business insurance in Great Falls, MT, can be obtained by consulting with car insurance companies in Great Falls or using online platforms offering customizable policies.
How can drivers with a clean record find the best car insurance rates in Great Falls?
Drivers with a clean record in Great Falls, MT, typically find the best Montana car insurance rates from providers like Geico, State Farm, or Progressive, unlike those seeking cheap auto insurance for a bad driving record, who may face higher premiums.
What is the cheapest liability car insurance in Montana for basic coverage?
The cheap car insurance in Montana for liability often comes from Geico or State Farm, with rates starting under $30 monthly for basic coverage.
What does 25/50/10 auto insurance mean, and how does it affect my policy?
25/50/10 means $25,000 per person and $50,000 per accident in bodily injury coverage, plus $10,000 for property damage. It’s required for Great Falls auto insurance as Montana’s minimum coverage.
What is the best Montana auto insurance company for insuring a teenage driver?
State Farm and Nationwide are among Montana’s best auto insurance providers. They offer discounts and competitive rates for teenagers’ car insurance.
How can I compare full coverage insurance quotes for the best deal?
Use online comparison tools or contact multiple insurers to review cheap auto insurance quotes for full coverage options and identify the best deal.
Use the ZIP code box below to compare cheap auto insurance quotes for Great Falls, MT, with our free tool.
Where can I find car insurance agents in Great Falls, MT, who can help me with my policy?
Local agencies like State Farm, Allstate, and independent brokers in Great Falls, MT, can assist with customizing Great Falls, MT, car insurance policies.
How do penalties impact the average cost of auto insurance in Montana?
Penalties like speeding tickets or DUIs can increase the rates of your cheapest auto insurance in Montana by 20% or more, depending on the violation, which can significantly affect your average auto insurance cost.
How can I get auto insurance quotes in Great Falls, MT, from multiple providers?
Use comparison websites or work with an independent insurance agent to quickly gather quotes from several providers in Great Falls, Montana, for the cheapest car insurance in Montana.
Where can I get low-cost auto insurance with reliable protection in Montana?
Low car insurance rates with reliable protection are available through major providers like Progressive and Nationwide in Montana.