Great Falls Insurance Rates:

Great Falls, MT home insurance is nearly $652 to $882, about $54-$73/month. Our all inclusive analysis reveals consumers can save as much as $306 by comparing different quotes

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Great Falls Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $660/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $400,000

5 Beds, 5 Baths 4490 sqft Vacation Property Constructed In 2010 with Carpet Flooring, Tile Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $590/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Bath 2230 sqft Vacation Property Constructed In 1970 with Carpet over wood flooring, Tile Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $430/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Bath 1950 sqft Rental Property Constructed In 1971 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $300/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 1910 sqft Vacation Property Constructed In 1947 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $110/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Bath 1730 sqft Vacation Property Constructed In 1981 with Linoleum, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Fire Extinguisher, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $310/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

5 Beds, 5 Baths 2360 sqft Vacation Property Constructed In 2012 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1080/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Bath 3430 sqft Seasonal Residence Constructed In 1978 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Great Falls, MT Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
59404 $167,700 $770
59405 $153,100 $770
59401 $131,900 $760

Great Falls Rates & Quotes Analysis:

Great Falls Area Estimated House Insurance
Huffman Ct, Carol Dr, 50th St S, Wilkinson Ln, 17th Ave SW, Riverview 5 W, 31st St S, Commercial Ave, Emerald Dr, Maple St$767
Millegan Rd, Diana Dr, Couch Ave, 31st St NW, Polish Rd, 3rd St NE, Joshua St, Dawn Ct, Dawn Dr, S Park Dr$766
3rd St N, Ave A, 5a St NE, Buena Dr, 38th St S, Lamplighter Ln, 2nd Ave SW, 5th St NE, Park Dr S, 5b St NE$769
Alaska Trl, 13th St SW, 5th Ave, 29th St NW, Amber Ln, 4th Ave NW, Gibson Flats Rd, 14th St SW, Rimrock Ln, Morning View Ln$790
32nd St S, Madera Dr, 4th St, 3rd Ln SE, Belle Vista Dr, 29th Ave NW, 23rd St S, Wilderness Ln, Riverview Pl, Spruce Ct$771
Sandpiper Dr, 7th Ln, Rosita Dr, 18th Ave NE, Ulm West Rd, Butte View Dr, 39th Ave NE, 3rd St NW, Woodland River Dr, School Loop$768
8th St S, 17th Ave S, 15th St SW, Riverview 3 E, 5th Aly SW, S Park Dr, New Dracut Hill Rd, 14th St S, 25th Ave S, 12th St$762
16th Ave SW, 42nd St N, 6th Ave NW, 6th St NE, Dick Rd, Fair Addition Rd, 2 45, Aberdare Ln, Little Belt Dr, Keogh Ct$790
Old Fort Shaw Rd, Chippewa Way, Smelter Ave NE, Watson Coulee Rd, Elm Ct, Oakwood Ct, 33rd Ave NE, Muddy Rd, Tri Hill Frontage Rd, 1st Rd S$794
12th Ave N, Briarwood Ct, 38th Ave NE, Coyote Ln, Campbell St, Ashuelot Hill Rd, Bootlegger Trl, 1st Ave SW, Holland Ct, Riverview 4 E$769

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,970 Homes (16% of total homes ) built between 1970 to 1979 in Great Falls are paying home insurance between $1,243-$1,255. Places close to Great Falls, MT such as Cascade, Craig, Wolf Creek are more expensive by $18, $25, $67 respectively while Sun Prairie and Vaughn are cheaper by $15 and $27 respectively for similar homes.
  • Bedrooms: 9,597 3 bedrooms homes (32% of total homes ) in Great Falls are paying about $422. Areas near to Great Falls such as Ulm, Cascade County, Sun River Valley are costlier by $3, $8, $7 respectively whereas Sun Prairie and Vaughn are more economical by $5, $9 respectively for similar homes.
  • Auto Insurance Bundling: 5,820 Households (32% of all households) in Great Falls have 3 or more vehicles available and when it is bundled with home insurance you can save $191. Discounts for similar bundling in close by locations such as Ulm, Sun Prairie, Vaughn come to $193, $189, $187 respectively.
  • Senior Discounts: 8,995 seniors (more than 55 years) occupied housing units (50% of total) in Great Falls get discounts between $114 to $117. The comparative concessions in proximate regions such as Ulm, Sun Prairie and Vaughn are $115, $113 and $112 respectively.
  • New Homes discounts: New homes such as the 10,672 homes built between 2000 to 2009 in Great Falls can save $153 and similar new home insurance discounts in nearby towns and cities like Ulm, Sun Prairie and Vaughn are $154, $151 and $150 respectively.

Great Falls Homeowners insurance Facts

  • Great Falls, MT has 17,763 owner occupied houses which is 63.1% of all units whereas Ulm, Sun Prairie and Vaughn have 95.37%, 91.04% and 86.11% respectively.
  • Great Falls, MT homeowners yearly insurance price at $767 is 0.49% of the typical house value of $156,800 which is in contrast with 0.44% in Ulm, 0.61% at Sun Prairie & 0.76% in Vaughn.
  • Homeowners in Great Falls, MT pay 1.39% of their income ($50,000 to $59,999) in insurance whereas homeowners in Ulm, Sun Prairie and Vaughn pay 1.4%, 1.38% and 1.36% respectively.
  • Great Falls, MT’s insurance is 5.5% of monthly housing costs of $1,159/month, for owners with a mortgage compared to 5.32% in Ulm, 5.49% at Sun Prairie & 4.97% in Vaughn. But, for households without a mortgage, insurance is 17% of costs ($376 in Great Falls, MT) in contrast with 15.35% in Ulm, 18.52% at Sun Prairie & 17.96% in Vaughn.

Great Falls, MT Home Values & Insurance rates

For example, insurance for 441 Homes (2.0% of total homes ) valued between $80,000 to $89,999 in Great Falls, MT is about $414. Rates in nearby areas in such as Craig, Monarch-Neihart, Lewis and Clark County are cheaper by $94, $58, $86 respectively while Vaughn and Black Eagle are costlier by $231 and $252 respectively for similar homes.

Great Falls, MT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,294 7.0% $115
$50,000 to $59,999 301 1.0% $253
$60,000 to $69,999 281 1.0% $314
$70,000 to $79,999 395 2.0% $360
$80,000 to $89,999 441 2.0% $414
$90,000 to $99,999 539 3.0% $460
$100,000 to $124,999 2,191 12.0% $536
$125,000 to $149,999 2,556 14.0% $667
$150,000 to $174,999 3,231 18.0% $790
$175,000 to $199,999 1,552 9.0% $912
$200,000 to $249,999 2,106 12.0% $1096
$250,000 to $299,999 1,265 7.0% $1342
$300,000 to $399,999 997 5.0% $1710

Renters Insurance in Great Falls

  • Average Renters Insurance in Great Falls :  $200($16/month)

  • Median Gross Rent in Great Falls :  $600

  • Great Falls Renters Insurance to Median Rent Ratio:  2.67%

  • Average household size of renter-occupied unit :  2.17

Great Falls Renters Insurance as a Percentage of Rent

Great Falls Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 347 3.0% $350
$200 to $299 535 5.0% $800
$300 to $499 2,440 26.0% $1250
$500 to $749 3,478 37.0% $1925
$750 to $999 1,428 15.0% $2675
$1,000 to $1,499 809 8.0% $3800
$1,500 or more 307 3.0% $5450

Rent Affordability in Great Falls:

Approximately 43.0% (4,463) of households are spending more than 35% of their income on gross rent in Great Falls

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,723 16.0%
15.0 to 19.9 percent 1,138 10.0%
20.0 to 24.9 percent 1,361 13.0%
25.0 to 29.9 percent 1,005 9.0%
30.0 to 34.9 percent 682 6.0%
35.0 percent or more 4,463 43.0%

Great Falls Renters Insurance Discounts:

Great Falls Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Great Falls, MT Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 4,646 44.0% $20.0
2 vehicles available 2,862 27.0% $30.0
3 or more vehicles available 945 9.0% $40.0

Great Falls Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 664 6.0% $60
60 to 64 years 549 5.0% $48
65 to 74 years 621 5.0% $39
75 years and over 800 7.0% $30

Protective device discount in Great Falls Up to :  $30

Claims-free discount in Great Falls Up to :  $40