Cheapest Car Insurance Quotes in Great Falls

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Great Falls Car Insurance

^$ 30

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Great Falls

The car insurance rate in Great Falls is $734 for a six-month policy, which is $96 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $423, making it a popular choice for budget-conscious drivers. Rates in Great Falls can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Great Falls

$734

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Great Falls

1st place: Virginia Farm Bureau

At $423 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $519 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $526 for six months, making it the third cheapest auto insurance company in Great Falls.

Great Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Great Falls, VA is Virginia Farm Bureau, offering policies at just $423 for a six-month term. This is followed by American Family, which has an average six-month premium of $519.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1325 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Great Falls drivers find the best deals.

Cheap Car Insurance Companies in Great Falls, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$423	$72
American Family	$519	$86
Auto-Owners Insurance Co	$526	$90
Cincinnati	$532	$89
Nationwide	$601	$101
Erie	$642	$108
Travelers	$690	$116
State Farm	$731	$122
USAA	$792	$133
Farm Bureau	$854	$143
Mercury	$895	$151
Progressive	$1011	$169
Allstate	$1325	$225

Key Takeaways

Way's key takeaways about car insurance in Great Falls

The auto insurance costs in Great Falls fall around $423 for six months.
The cheapest auto insurance company in Great Falls is Virginia Farm Bureau.
Teen drivers pay the highest rate in Great Falls at $813 per month.

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Cheapest Minimum Liability Car Insurance in Great Falls

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Great Falls are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Great Falls. Their Average 6 Month Premium is $177. Nationwide is the most expensive at $574 for the same period.

Cheapest Liability Coverage in Great Falls, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$177	$30
American Family	$198	$33
Cincinnati	$239	$40
Travelers	$260	$44
Auto-Owners Insurance Co	$267	$45
Mercury	$274	$46
Farm Bureau	$286	$48
USAA	$286	$48
Erie	$321	$54
State Farm	$348	$59
Progressive	$444	$74
Allstate	$574	$98
Nationwide	$574	$95

Cheapest Full Coverage Car Insurance in Great Falls

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Great Falls is Virginia Farm Bureau at $72 per month and $423 for six months.

Cheapest Full Coverage Car Insurance Quotes in Great Falls, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$423	$72
American Family	$519	$86
Auto-Owners Insurance Co	$526	$90
Cincinnati	$532	$89
Nationwide	$601	$101
Erie	$642	$108
Travelers	$690	$116
State Farm	$731	$122
USAA	$792	$133
Farm Bureau	$854	$143
Mercury	$895	$151
Progressive	$1011	$169
Allstate	$1325	$225

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Average Car Insurance in Great Falls by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Great Falls, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Great Falls, Virginia, may be increasing due to several external factors. Virginia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Great Falls's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Great Falls

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$747
30s	Virginia Farm Bureau	$564
40s	USAA	$526
50s	USAA	$493
60s	USAA	$519
70s	USAA	$823

Cheapest Car Insurance Rates for Teen Drivers in Great Falls,VA

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Great Falls at $30 per month. At $4877 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$177	$30
Farm Bureau	$225	$38
Mercury	$239	$40
American Family	$260	$44
Travelers	$267	$45
Auto-Owners Insurance Co	$307	$52
Erie	$1032	$174
USAA	$1332	$224
State Farm	$2370	$399
Nationwide	$2999	$500
Allstate	$3483	$592
Progressive	$4877	$813

Teen Car Insurance Rates in VA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Great Falls.

As young drivers face the highest rates in Great Falls, USAA offers the cheapest auto insurance rates at $747 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Great Falls, Mercury is the cheapest car insurance provider. At $253 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Great Falls is Nationwide, offering rates of around $485 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$253	$43
Virginia Farm Bureau	$267	$45
Travelers	$409	$68
Cincinnati	$437	$75
Nationwide	$485	$81

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Car Insurance Rates with An Accident in Great Falls

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Great Falls, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Great Falls

The cheapest car insurance companies after an at-fault accident in Great Falls include AutoOwners Insurance Co and Virginia Farm Bureau, offering $246 and $246, respectively. Encompass is an expensive provider with an average six-month premium of $553.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$246	$41
Virginia Farm Bureau	$246	$41
American Family	$260	$44
Cincinnati	$314	$53
Farm Bureau	$321	$54
Travelers	$328	$55
Mercury	$362	$60
Electric	$437	$75
USAA	$615	$103
Erie	$683	$115
State Farm	$772	$130
Nationwide	$1305	$222
Progressive	$1735	$289
Allstate	$2240	$381
Encompass	$553	$94

Great Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Great Falls VA. For example, the car insurance in Great Falls after a DUI increases to $1079 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Great Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1080	$179
One Med/PIP claim	$1080	$184
Not-at-fault accident	$1120	$186
Two Med/PIP claims	$1155	$197
One comp claim	$1168	$194
Two comp claims	$1222	$208
Failure to show documents	$1229	$205
Driving without lights	$1250	$213
Child safety restraint	$1257	$209
Driving with expired registration	$1271	$216
Failure to wear a seat belt	$1285	$214
Cell phone violation	$1298	$221
Driving too slowly	$1298	$216
Failure to yield	$1298	$221
Speeding in school zone	$1298	$216
Texting while driving	$1298	$221
Wrong way/wrong lane	$1298	$216
Failure to stop at a red light	$1305	$222
Following too closely	$1305	$217
Illegal turn	$1305	$222
Improper passing	$1305	$217
Speeding 6 - 10 MPH over limit	$1305	$222
Speeding 16 - 20 MPH over limit	$1318	$220
Speeding 11 - 15 MPH over limit	$1325	$225
Passing school bus	$1366	$228
In 65 MPH zone	$1415	$240
Open container	$1434	$239
Speeding 21 - 25 MPH over limit	$1434	$244
At-fault accident - less than $1000	$1475	$246
Operating a vehicle without permission	$1585	$269
At-fault accident - $1000-$2000	$1605	$268
At-fault accident - greater than $2000	$1605	$273
Reckless driving	$1954	$325
Racing	$2098	$357
DUI	$2159	$360
Refusal to submit to a chemical test	$2159	$367
Driving with a suspended license	$2268	$378
Leaving scene of an accident/hit and run	$2268	$385

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Great Falls after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Great Falls.

The cheapest car insurance premiums in Great Falls are offered by Virginia Farm Bureau at $218 for a six-month policy. However, it can be as expensive as $1879 with companies like Allstate.

Great Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$218	$37
Mercury	$246	$41
Farm Bureau	$281	$47
Travelers	$362	$61
American Family	$390	$64
Auto-Owners Insurance Co	$423	$72
State Farm	$827	$139
USAA	$929	$156
Progressive	$1421	$237
Erie	$1455	$247
Nationwide	$1598	$267
Allstate	$1879	$320

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Great Falls are offered by Mercury at $253. However, it can be as expensive as $342 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Great Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$253	$43
Virginia Farm Bureau	$260	$44
American Family	$267	$45
Auto-Owners Insurance Co	$274	$46
Cincinnati	$274	$46
Travelers	$293	$49
Erie	$321	$54
State Farm	$342	$57

Car Insurance Price Trends in Great Falls, Virginia

Car insurance rates in Great Falls have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Great Falls rose by $103 in December compared to $100 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Great Falls rose to $53 in December, compared to $51 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Great Falls?

The car insurance in Great Falls is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Great Falls?

The cheapest car insurance in Great Falls is $72 per month for full coverage.

How much is car insurance in Great Falls for teenagers?

Car insurance for teenagers costs $177 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Great Falls?

The average cost of car insurance is $638 for a six-month policy. It will cost around $123 per month to insure your car in Great Falls.

Is car insurance expensive in Great Falls?

Car insurance can be expensive in Great Falls if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Great Falls can be affordable.

Cheapest Car Insurance Quotes in Great Falls

Why you can trust Way?

How Much Is Car Insurance in Great Falls

Avg. Car Insurance in Great Falls

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Great Falls

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Great Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Great Falls, VA

Way's key takeaways about car insurance in Great Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Great Falls

Cheapest Liability Coverage in Great Falls, VA

Cheapest Full Coverage Car Insurance in Great Falls

Cheapest Full Coverage Car Insurance Quotes in Great Falls, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Great Falls by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Great Falls, VA increasing?

Car Insurance Premiums by Age in Great Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Great Falls,VA

If you are in your twenties USAA is the best choice for car insurance in Great Falls.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Great Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Great Falls

Great Falls Car Insurance Rates by Violation

Great Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Great Falls after a DUI

Great Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Great Falls after Speeding ticket

Car Insurance Price Trends in Great Falls, Virginia

Average Car Insurance Cost in Great Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Great Falls, VA

Car Insurance Rates by State in the USA (2025 Update)

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