Car Insurance in Great Falls, MT

Car insurance in Great Falls, MT, makes it easier for you to explore this incredible city as much as possible.

Compare, shop and customize quotes from top-rated insurance carriers.

Driving in Great Falls

Great Falls can be a wonderful place to live, with its natural beauty, outdoor opportunities and cultural amenities. About 60,400 people call it home, and many of them drive. The area does have public transportation, but it is not always convenient or accessible. Cars open up exploration possibilities, and this region of Montana certainly offers many.

Each Great Falls household owns two cars on average. and the typical worker drives alone to work for a one-way commute of 15.1 minutes. Whether you use your car for commuting, running errands, taking trips or other purposes, car insurance in Great Falls, MT, can offer protection in addition to your safe driving. There is always a risk of accidents, and about 11 people in the city are involved in fatal car crashes per year.

Winter can be an especially perilous time, and seven months of the year see snowfall in Great Falls. March gets the most snow, 10.4 inches on average. Fortunately, you can simplify comparing auto insurance rates with VIU by HUB.

Montana Car Insurance Requirements and Recommendations

Montana mandates a minimum of 25/50/20 liability insurance. Many drivers get more, especially if they have assets to protect, have car loans or want peace of mind. Liability insurance does not cover your own injuries or your own property in accidents you cause, although another person's at-fault insurance might.

This basic level of car insurance in Great Falls, MT, gives you $25,000 bodily injury coverage for one person in an accident you cause, $50,000 for multiple people's injuries and $20,000 for property damage. Insurance experts usually suggest having at least 100/300/100 coverage or getting insurance that roughly matches the value of assets that would be at risk in a lawsuit. Optional coverage in Montana includes the following.

Medical payments: Get help with medical expenses and other expenses stemming from a car accident, regardless of fault.
Uninsured motorist: Receive peace of mind that you should be protected in a hit-and-run or collision with a driver who lacks adequate insurance. This is also called underinsured motorists coverage.
Collision: Lenders almost always mandate this type of insurance. It can help with repairs or replacements for your own car if it gets damaged in a collision with another car, tree, fence or object. It can apply regardless of fault.
Comprehensive: This is similar to collision but covers instances such as weather damage, fire and theft that collision does not. If you hit a deer or another animal, comprehensive covers this.

The Average Cost of Car Insurance in Great Falls, MT

Auto insurance in Great Falls averages $136 a month or $1,635 a year. The price is lower than many other Montana cities, and the rates you pay may be even lower depending on your vehicle make and model, driving history, age, gender, marital status and other factors.

For example, if you are 40 years old and have never had an accident or filed a claim, you can expect lower rates than a teen or young adult or someone with accidents. That does not mean you would get the same rates from each insurer, though. Insurers weigh risks differently, and one driver with a stellar history can end up with many different quotes. To find affordable coverage and quickly compare rates and options for car insurance in Great Falls, MT, use VIU by HUB.

This information is intended for general informational purposes only and is not intended to constitute legal advice.