For a 40-year-old driver with a clean record, car insurance in Great Falls, MT, averages about $182 a month ($2,178 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Montana average of $178 a month. Full-coverage averages in Great Falls run from about $97 to $241 a month across the five insurers we price. Use these averages as a benchmark when you compare car insurance quotes in Great Falls, MT.
Great Falls, the Cascade County seat on the Missouri River, sits just above the Montana average for our benchmark driver, about $4 a month more, and costs about $17 a month more than Helena, about 72 miles southwest. Our guide to Montana car insurance quotes has statewide prices.
Our data covers three ZIP codes with a Great Falls mailing address, from about $179 a month in 59404, on the west side, to $183 in 59401, the ZIP code nearest downtown. When you compare auto insurance quotes in Great Falls, the insurer matters far more than the ZIP code: the lowest and highest insurer averages are about $144 a month apart, while the three ZIP codes are within about $4.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Great Falls ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 2, 2026.
How Much Does Car Insurance Cost in Great Falls, MT?
Car insurance in Great Falls, MT, costs about $182 a month ($2,178 a year) for full coverage and $50 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on rates insurers had filed with state regulators as of Aug. 31, 2026. That’s close to the Montana average of $178 a month.
- Full coverage (100/300/100, $500 deductibles): $2,178 a year ($182 a month)
- 50/100/50 with $500 deductibles: $2,028 a year ($169 a month)
- Liability only (25/50/10): $601 a year ($50 a month)
- Cascade County: $2,178 a year ($182 a month) for full coverage
- Montana average: $2,136 a year ($178 a month) for full coverage
- ZIP code range: $179 (59404) to $183 (59401) a month for full coverage
Safeco is priced far below the other insurers here, at about $97 a month for full coverage, less than half the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Safeco, the Great Falls average would be about $203 a month.
Cheapest Car Insurance in Great Falls, MT: Companies Compared
- Full-coverage range: about $97 to $241 a month across the five insurers in our rate data, for the same driver and car.
- Lowest liability-only average among insurers open to all drivers (25/50/10): GEICO, at about $35 a month, then State Farm and Safeco at about $41 each.
- Also on our list: USAA at about $139 a month for full coverage, Nationwide at $159 and Allstate at $262 (USAA sells only to military families).
- Most expensive among insurers we rank: Farmers, at about $241 a month.
Safeco’s Great Falls average, about $97 a month, is 42% below State Farm’s ($166), a lead wide enough that we show the range instead of naming a single cheapest insurer. Seven of the eight statewide Montana rate studies we reviewed rank State Farm cheapest for full coverage, apart from USAA, which sells only to military families; the eighth, which shows no publication date, puts Nationwide first. For liability-only coverage at 25/50/10 limits, GEICO has the lowest average among insurers open to all drivers, at about $35 a month, followed by State Farm and Safeco at about $41 each.
Full-coverage averages by insurer in Great Falls
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Safeco | $495 | $41 | $1,162 | $97 |
| State Farm | $493 | $41 | $1,992 | $166 |
| GEICO | $419 | $35 | $2,243 | $187 |
| Progressive | $592 | $49 | $2,600 | $217 |
| Farmers | $1,005 | $84 | $2,890 | $241 |
| USAA (military families)* | $373 | $31 | $1,665 | $139 |
| Nationwide* | $840 | $70 | $1,902 | $159 |
| Allstate* | $724 | $60 | $3,144 | $262 |
| Great Falls average | $601 | $50 | $2,178 | $182 |
This table uses Great Falls ZIP codes only. See how we calculated these rates.
Great Falls Car Insurance Rates by ZIP Code
Across the three Great Falls ZIP codes we price, full coverage for our driver ranges from about $179 a month in 59404 to $183 in 59401, a gap of $43 a year. 59405, southeast of downtown, falls between them, at about $182 a month.
Lowest-priced Great Falls ZIP code
Highest-priced Great Falls ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Great Falls’ average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 59401 | $602 | $50 | $2,195 | $183 | +1% |
| 59404 | $591 | $49 | $2,152 | $179 | -2% |
| 59405 | $609 | $51 | $2,186 | $182 | About average |
Your ZIP code matters
How Much More Does Better Coverage Cost in Great Falls?
Raising liability limits from 50/100/50 to 100/300/100 adds about $150 a year on average in our Great Falls data, with the same $500 deductibles. That’s about $13 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Great Falls?
Slightly, for our benchmark driver. Comparing the same insurers in the same Great Falls ZIP codes, full coverage averaged $2,147 a year in rates as of Nov. 30, 2025, and $2,178 as of Aug. 31, 2026, a 1.4% increase. Farmers raised its average 3.7% and State Farm 2.5%, while GEICO’s, Progressive’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/10 limits rose 4.9%, led by Farmers, which raised its liability-only average 15.9%.
What Shapes Car Insurance Costs in Great Falls
Cascade County, whose three ZIP codes in our data are all Great Falls’, averages about $182 a month for full coverage, the 11th-most expensive of the 23 Montana counties we price, near the middle of the list.
Other towns we price are far from Great Falls; the nearest are in the Helena area. East Helena, about 70 miles southwest, averages about $165 a month, Lewistown, about 93 miles east, $180, Cut Bank, about 90 miles northwest, $193, and Havre, about 105 miles northeast, $189. GEICO has the lowest liability-only average among insurers open to all drivers here, as in Bozeman; on our other four Montana city guides, State Farm leads or ties. Prices depend on where in Montana you live, not just on your car and driving record.
How Great Falls Car Insurance Compares With Other Montana Cities
More Montana cities and towns are in the Montana rates by city table, and you can compare states on our car insurance rates by state page.
Helena, about 72 miles southwest, averages $165 a month, and Bozeman, about 125 miles south, $169. Missoula, about 135 miles west, averages $159, and Billings, about 180 miles southeast, $191.
What Car Insurance Is Required in Great Falls?
Drivers in Great Falls follow Montana’s rules. Every car insurance policy for a vehicle registered and driven in Montana must include at least:
- Liability coverage of $25,000 per person and $50,000 per crash for injuries and $20,000 for property damage (25/50/20)
- Uninsured motorist coverage at 25/50, which comes with the policy unless you sign a form rejecting it
The liability-only prices on this page use 25/50/10 limits, so their $10,000 in property damage coverage is below that minimum. Our Montana requirements guide covers proof of insurance, the state’s verification system and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Great Falls
- Compare Safeco and State Farm first. They have the two lowest full-coverage averages of the five insurers we price in Great Falls, about $97 and $166 a month.
- Quote several insurers. Among the insurers we rank in Great Falls, the lowest and highest averages are about $144 a month apart for the same driver and car.
- Keep proof of insurance on your phone. Montana accepts an electronic insurance card shown on your phone, under 61-6-302 MCA, so you don’t need a paper card in the glove box.
- Compare at every renewal. Since November 2025, Farmers has raised its average 3.7% and State Farm 2.5%, so the order in our table can shift.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Montana home insurance rates.
Ready to compare
How We Calculated Great Falls Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 15 full-coverage premiums from five insurers across three Great Falls ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/10 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Montana’s minimum is now 25/50/20, so our liability-only prices use lower limits than the law requires: $10,000 in property damage liability instead of $20,000.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Montana rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Montana law and the Montana Commissioner of Securities and Insurance. We refresh these figures when new rate data is released.
Great Falls Car Insurance FAQ
Car insurance in Great Falls, MT, costs about $182 a month ($2,178 a year) for full coverage and $50 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on rates insurers had filed with state regulators as of Aug. 31, 2026. That’s close to the Montana average of $178 a month.
It depends on the coverage. For full coverage, averages in Great Falls run from about $97 to $241 a month across the five insurers we price, and the gap between the two lowest of those five is too wide for us to call one insurer the cheapest. For liability-only coverage at 25/50/10 limits, GEICO has the lowest average among insurers open to all drivers, at about $35 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Great Falls full coverage averages about $182 a month and Helena about $165, a difference of about $17 a month for the same driver and car.
In our data, 59404 has the lowest full-coverage average in Great Falls, at about $179 a month, and 59401 the highest, at about $183. The ZIP code table on this page lists all three.
Drivers in Great Falls follow Montana’s rules: liability coverage of at least $25,000 per person and $50,000 per crash for injuries and $20,000 for property damage (25/50/20), and every policy includes uninsured motorist coverage at 25/50 unless you sign a form rejecting it. The liability-only prices on this page use 25/50/10 limits, below that minimum, and liability-only coverage won’t pay to repair your own car.
No. Montana is an at-fault state: the driver who causes a crash is responsible for the damage, which is what their liability coverage pays for. You can recover damages from the other driver as long as you weren’t more at fault than they were.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
