Protect Your Home with Homeowners Insurance and Save with Way
Free quotes from 150+ carriers in seconds
Lowest rate guaranteed
No Spam or Long Forms
Are you looking to get the best Montana home insurance quotes in Montana? Our analysis of all the major insurance companies will guide you in finding the best homeowners insurance in Montana.
Key Takeaways
On average, Montana home insurance costs $2,008 yearly, which is higher than the national average rate.
Because of Montana's varied topography, residents must prepare for any weather situation, from blizzards to droughts. So, homeowners require a home insurance policy that can cover all types of damages. But will that increase the Montana home insurance rates? Fortunately, despite the unpredictable weather, residents can still obtain a reasonably affordable insurance policy through us! Keep reading to know more.
Ideally, a home insurance policy covers Personal Property, Liability, Dwelling, Other Structures, Medical Payments to Others, and Additional Living Expenses. But you can also buy these coverages in Montana.
Typically a home insurance policy doesn’t cover flooding, earthquakes, nuclear threats, power outages, insect and vermin infestations, wear and tear, war, sinkholes, or intentional loss. So, always double-check your policy before buying to ensure the coverages you receive.
The cost of home insurance in Montana varies depending on your chosen insurance company. Pacific Insurance offers the most affordable home insurance in Montana, with a yearly average premium of $1,191 per year. Do you want to buy an even cheaper insurance policy? Then compare the rates of all insurers in your area and find the most affordable one.
| Insurer | Average annual rate |
|---|---|
| Pacific Insurance | $1,191 |
| Trinity Universal | $1,299 |
| Safeco | $1,478 |
| Farmers | $1,723 |
| USAA | $1,933 |
Insurers consider low credit scores as a sign of risky behavior and more claim filings, so many charge higher premiums. USAA has the most affordable home insurance rates for a homeowner with bad credit, with an average rate of $2,616 annually.
| Insurer | Average annual rate |
|---|---|
| USAA | $2,616 |
| Farmers | $3,533 |
| Allstate | $4,444 |
| State Farm | $4,750 |
| Travelers | $29,451 |
Expect your home insurance rates to go high if you’ve got a swimming pool. Many insurers consider swimming pools an ‘attractive nuisance,’ which means it is dangerous to children and has a higher probability of liability claims. USAA has the cheapest Montana home insurance rates for homes with a swimming pool, with a yearly average rate of $1,662.
| Insurer | Average annual rate |
|---|---|
| USAA | $1,662 |
| Farmers | $1,972 |
| State Farm | $2,773 |
| Allstate | $3,023 |
| Travelers | $12,626 |
If you own a dog that your insurer considers ‘dangerous,’ you may have to pay more for Montana homeowners insurance. Higher home insurance relates to the increased risk of keeping an ‘aggressive’ dog. USAA has the most affordable home insurance rates in Montana for a home with a dangerous dog breed, with an average annual rate of $1,662.
| Insurer | Average annual rate |
|---|---|
| USAA | $1,662 |
| Farmers | $1,972 |
| State Farm | $2,773 |
| Allstate | $3,023 |
| Travelers | $11,479 |
When buying a home insurance policy, you must decide how high or low to set the deductible. A deductible is a sum you must pay before an insurer covers a claim. The deductible you choose can impact how much you pay in insurance premiums. So, the lower your deductible, the higher your premium will be. These are some of the most common deductibles most insurers offer, along with the corresponding average insurance rates.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $1,979 |
| $1,000 | $1,829 |
| $1,500 | $1,749 |
| $2,000 | $1,648 |
| $5,000 | $1,419 |
The level of coverage you select has a substantial impact on the cost of your home insurance rates. Having $200,000 in dwelling coverage costs an average of $1,565 per year in the state. At the same time, carrying coverage up to $400,000 costs as much as $2,521 yearly.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $993 |
| $200,000 | $1,565 |
| $250,000 | $1,829 |
| $400,000 | $2,521 |
The area where you live can impact the cost of homeowners insurance in Montana. Factors like the ZIP Code and theft rate can influence the rates. The following are the rates in the cities.
| City | Average annual rate |
|---|---|
| Absarokee | $1,707 |
| Acton | $2,376 |
| Alberton | $1,209 |
| Alder | $1,231 |
| Alzada | $2,776 |
| Anaconda-Deer Lodge County | $1,266 |
| Angela | $2,791 |
| Antelope | $2,176 |
| Arlee | $1,429 |
| Ashland | $2,491 |
| Augusta | $1,672 |
| Avon | $1,199 |
| Babb | $1,700 |
| Bainville | $2,309 |
| Baker | $2,846 |
| Ballantine | $2,394 |
| Basin | $1,504 |
| Bearcreek | $1,707 |
| Belfry | $1,790 |
| Belgrade | $1,166 |
| Belt | $1,896 |
| Biddle | $2,800 |
| Big Arm | $1,540 |
| Big Sandy | $1,726 |
| Big Sky | $1,333 |
| Big Timber | $1,671 |
| Bigfork | $1,386 |
| Bighorn | $2,573 |
| Billings | $2,256 |
| Birney | $2,396 |
| Black Eagle | $1,799 |
| Bloomfield | $2,559 |
| Bonner | $1,375 |
| Bonner-West Riverside | $1,270 |
| Boulder | $1,470 |
| Box Elder | $1,633 |
| Boyd | $1,890 |
| Boyes | $2,776 |
| Bozeman | $1,178 |
| Brady | $1,760 |
| Bridger | $1,799 |
| Broadus | $2,753 |
| Broadview | $2,465 |
| Brockton | $2,309 |
| Brockway | $2,840 |
| Browning | $1,567 |
| Brusett | $2,469 |
| Buffalo | $2,133 |
| Busby | $2,236 |
| Butte | $1,414 |
| Bynum | $1,696 |
| Cameron | $1,321 |
| Canyon Creek | $1,681 |
| Capitol | $2,776 |
| Cardwell | $1,471 |
| Carter | $1,772 |
| Cascade | $1,843 |
| Charlo | $1,477 |
| Chester | $1,886 |
| Chinook | $1,829 |
| Choteau | $1,682 |
| Circle | $2,477 |
| Clancy | $1,504 |
| Clinton | $1,342 |
| Clyde Park | $1,290 |
| Coffee Creek | $2,022 |
| Cohagen | $2,758 |
| Colstrip | $2,756 |
| Columbia Falls | $1,278 |
| Columbus | $1,710 |
| Condon | $1,402 |
| Conner | $1,571 |
| Conrad | $1,632 |
| Cooke City | $1,278 |
| Coram | $1,463 |
| Corvallis | $1,296 |
| Crane | $2,281 |
| Crow Agency | $2,389 |
| Culbertson | $2,309 |
| Custer | $2,415 |
| Cut Bank | $1,687 |
| Dagmar | $2,329 |
| Darby | $1,277 |
| Dayton | $1,532 |
| De Borgia | $2,246 |
| Decker | $2,392 |
| Deer Lodge | $1,215 |
| Dell | $1,324 |
| Denton | $2,064 |
| Dillon | $1,291 |
| Divide | $1,522 |
| Dixon | $1,343 |
| Dodson | $1,883 |
| Drummond | $1,280 |
| Dupuyer | $1,712 |
| Dutton | $1,891 |
| East Glacier Park | $1,635 |
| East Helena | $1,603 |
| East Missoula | $1,270 |
| Edgar | $1,933 |
| Ekalaka | $2,788 |
| Elliston | $1,222 |
| Elmo | $1,515 |
| Emigrant | $1,376 |
| Ennis | $1,238 |
| Essex | $1,536 |
| Ethridge | $2,627 |
| Eureka | $1,149 |
| Evaro | $1,430 |
| Evergreen | $1,245 |
| Fairfield | $1,772 |
| Fairview | $2,287 |
| Fallon | $2,968 |
| Fishtail | $1,722 |
| Flaxville | $2,280 |
| Florence | $1,350 |
| Floweree | $1,782 |
| Forest Grove | $2,126 |
| Forsyth | $2,664 |
| Fort Belknap Agency | $1,789 |
| Fort Benton | $1,740 |
| Fort Harrison | $1,642 |
| Fort Peck | $2,461 |
| Fort Shaw | $1,890 |
| Fort Smith | $2,212 |
| Fortine | $1,457 |
| Four Corners | $1,177 |
| Frazer | $2,373 |
| Frenchtown | $1,291 |
| Froid | $2,311 |
| Fromberg | $1,927 |
| Galata | $1,654 |
| Gallatin Gateway | $1,352 |
| Gardiner | $1,289 |
| Garrison | $1,251 |
| Garryowen | $2,237 |
| Geraldine | $1,897 |
| Geyser | $1,912 |
| Gildford | $1,722 |
| Glasgow | $2,381 |
| Glen | $2,383 |
| Glendive | $2,507 |
| Glentana | $3,048 |
| Gold Creek | $1,291 |
| Grantsdale | $2,286 |
| Grass Range | $2,132 |
| Great Falls | $1,737 |
| Greycliff | $1,888 |
| Hall | $1,322 |
| Hamilton | $1,270 |
| Hammond | $2,729 |
| Hardin | $2,398 |
| Harlem | $1,788 |
| Harlowton | $1,603 |
| Harrison | $1,323 |
| Hathaway | $2,791 |
| Haugan | $1,258 |
| Havre | $1,776 |
| Havre North | $1,776 |
| Hays | $1,778 |
| Heart Butte | $1,614 |
| Helena | $1,661 |
| Helena Flats | $1,245 |
| Helena Valley Northeast | $1,759 |
| Helena Valley Northwest | $1,619 |
| Helena Valley Southeast | $1,611 |
| Helena Valley West Central | $1,662 |
| Helena West Side | $1,630 |
| Helmville | $1,262 |
| Heron | $1,439 |
| Highwood | $2,025 |
| Hilger | $2,140 |
| Hingham | $1,832 |
| Hinsdale | $2,312 |
| Hobson | $2,123 |
| Hogeland | $2,024 |
| Homestead | $2,329 |
| Hot Springs | $1,190 |
| Hungry Horse | $1,453 |
| Huntley | $2,480 |
| Huson | $1,312 |
| Hysham | $2,578 |
| Ingomar | $2,590 |
| Inverness | $1,847 |
| Ismay | $2,994 |
| Jackson | $1,316 |
| Jefferson City | $1,511 |
| Joliet | $1,807 |
| Joplin | $1,893 |
| Jordan | $2,593 |
| Judith Gap | $2,043 |
| Kalispell | $1,246 |
| Kevin | $1,730 |
| Kila | $1,331 |
| Kinsey | $2,778 |
| Kremlin | $1,810 |
| Lake McDonald | $1,336 |
| Lakeside | $1,328 |
| Lambert | $2,281 |
| Lame Deer | $2,346 |
| Larslan | $2,377 |
| Laurel | $2,569 |
| Lavina | $2,049 |
| Ledger | $1,849 |
| Lewistown | $2,196 |
| Libby | $1,410 |
| Lima | $1,408 |
| Lincoln | $1,629 |
| Lindsay | $2,526 |
| Livingston | $1,271 |
| Lloyd | $1,766 |
| Lockwood | $2,247 |
| Lodge Grass | $2,239 |
| Lolo | $1,316 |
| Loma | $1,876 |
| Lonepine | $1,176 |
| Loring | $1,975 |
| Lothair | $2,186 |
| Malmstrom AFB | $1,814 |
| Malta | $2,154 |
| Manhattan | $1,282 |
| Marion | $1,291 |
| Martin City | $1,483 |
| Martinsdale | $1,576 |
| Marysville | $1,681 |
| McAllister | $1,311 |
| McLeod | $1,783 |
| Medicine Lake | $2,330 |
| Melrose | $1,477 |
| Melstone | $1,871 |
| Melville | $1,652 |
| Mildred | $2,968 |
| Miles City | $2,735 |
| Milltown | $1,297 |
| Missoula | $1,299 |
| Moccasin | $2,051 |
| Molt | $2,268 |
| Monarch | $1,728 |
| Montana City | $1,512 |
| Moore | $2,201 |
| Mosby | $2,467 |
| Musselshell | $1,871 |
| Nashua | $2,369 |
| Neihart | $1,728 |
| Niarada | $1,179 |
| Norris | $1,218 |
| North Browning | $1,567 |
| Noxon | $1,401 |
| Nye | $1,851 |
| Oilmont | $1,680 |
| Olive | $2,800 |
| Olney | $1,314 |
| Opheim | $2,234 |
| Orchard Homes | $1,336 |
| Otter | $2,800 |
| Outlook | $2,127 |
| Ovando | $1,317 |
| Pablo | $1,410 |
| Paradise | $2,313 |
| Park City | $1,918 |
| Peerless | $2,128 |
| Pendroy | $1,719 |
| Philipsburg | $1,307 |
| Pinesdale | $1,265 |
| Plains | $1,266 |
| Plentywood | $2,177 |
| Plevna | $2,894 |
| Polaris | $1,360 |
| Polebridge | $1,340 |
| Polson | $1,283 |
| Pompeys Pillar | $2,223 |
| Pony | $1,338 |
| Poplar | $2,315 |
| Powderville | $2,800 |
| Power | $1,917 |
| Pray | $1,282 |
| Proctor | $1,527 |
| Pryor | $2,396 |
| Radersburg | $1,592 |
| Ramsay | $1,340 |
| Rapelje | $1,951 |
| Ravalli | $2,460 |
| Raymond | $2,127 |
| Raynesford | $1,909 |
| Red Lodge | $1,632 |
| Redstone | $2,127 |
| Reed Point | $1,920 |
| Reserve | $2,329 |
| Rexford | $1,220 |
| Richey | $2,503 |
| Richland | $2,234 |
| Ringling | $1,534 |
| Riverbend | $1,226 |
| Roberts | $1,838 |
| Rocky Boy's Agency | $1,753 |
| Rocky Point | $1,444 |
| Rollins | $1,521 |
| Ronan | $1,408 |
| Roscoe | $1,847 |
| Rosebud | $2,791 |
| Roundup | $1,865 |
| Roy | $2,128 |
| Rudyard | $1,849 |
| Ryegate | $1,917 |
| Saco | $2,265 |
| Saint Marie | $2,370 |
| Saint Regis | $1,248 |
| Saint Xavier | $2,425 |
| Saltese | $1,304 |
| Sand Coulee | $1,934 |
| Sand Springs | $2,467 |
| Sanders | $2,499 |
| Sangrey | $1,753 |
| Savage | $2,287 |
| Scobey | $2,129 |
| Seeley Lake | $1,307 |
| Shawmut | $1,831 |
| Shelby | $2,040 |
| Shepherd | $2,464 |
| Sheridan | $1,243 |
| Sidney | $2,287 |
| Silver Gate | $1,486 |
| Silver Star | $1,306 |
| Simms | $1,817 |
| Somers | $1,300 |
| South Browning | $1,568 |
| Springdale | $2,306 |
| St. Ignatius | $1,435 |
| Stanford | $1,980 |
| Stevensville | $1,504 |
| Stockett | $1,904 |
| Stryker | $1,457 |
| Sula | $1,350 |
| Sumatra | $3,168 |
| Sun Prairie | $1,837 |
| Sun River | $1,958 |
| Sunburst | $1,636 |
| Superior | $1,222 |
| Sweet Grass | $1,654 |
| Teigen | $1,990 |
| Terry | $2,900 |
| Thompson Falls | $1,290 |
| Three Forks | $1,333 |
| Toston | $1,592 |
| Townsend | $1,617 |
| Trego | $1,674 |
| Trout Creek | $1,302 |
| Troy | $1,355 |
| Turner | $2,025 |
| Twin Bridges | $1,282 |
| Two Dot | $1,819 |
| Ulm | $1,865 |
| Valier | $1,649 |
| Vandalia | $3,048 |
| Vaughn | $1,897 |
| Victor | $1,249 |
| Vida | $2,441 |
| Virginia City | $1,230 |
| Volborg | $2,778 |
| Walkerville | $1,362 |
| West Glacier | $1,483 |
| West Glendive | $2,507 |
| West Yellowstone | $1,328 |
| Westby | $2,330 |
| White Haven | $1,410 |
| White Sulphur Springs | $1,507 |
| Whitefish | $1,265 |
| Whitehall | $1,539 |
| Whitetail | $2,128 |
| Whitewater | $1,975 |
| Whitlash | $1,756 |
| Wibaux | $2,582 |
| Willard | $2,894 |
| Willow Creek | $2,359 |
| Wilsall | $1,360 |
| Winifred | $2,125 |
| Winnett | $2,000 |
| Winston | $1,592 |
| Wisdom | $1,313 |
| Wise River | $1,354 |
| Wolf Creek | $1,691 |
| Wolf Point | $2,390 |
| Worden | $2,586 |
| Wyola | $2,237 |
| Zortman | $1,917 |
| Zurich | $1,805 |
How can you get cheap home insurance in Montana? One way is by bundling your home and auto insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $2,008 | $1,850 | $158 | 7.87% |
What’s one way by which you can reduce the home insurance rates in Montana? Then use the discounts that your insurer offers. But always ensure to check which discounts you qualify for.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| American Family | ✓ | ✓ | - | ✓ | - | ✓ |
| Lemonade | ✓ | ✓ | - | - | - | ✓ |
Are you trying to buy the best home insurance in Alaska? Then you must check whether the insurance company offers these features!
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| American Family | ✓ | Optional | Optional | ✓ | No |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
These are a few reasons that lead to home insurance claims in Montana.
Ideally, home insurance policies don’t cover flood damage. So, buying extra flood insurance through the National Flood Insurance Program (NFIP) of FEMA or a private insurer is always safe. The coverage of private flood insurers may differ, but NFIP offers these coverages.
A home insurance policy typically offers coverage for hail damage, but your policy may only cover certain repairs. According to the National Weather Service data, the state experienced around 106 reported hail storms in 2021. Because hail is frequent in Montana, some policies may limit your ability to file a claim if your damage is more than cosmetic. Also, expect your home insurance premiums to surge if you live in a zone prone to hail.
Are you looking for cheap homeowners insurance in Montana? Then check for these factors before buying one.
Are you looking to find the best home insurance in Montana? Then follow these tips!
The average cost of home insurance in Montana is around $2,008 yearly. The rate is higher than the national average rate. So, you will be looking for a policy with an even cheaper rate. But how can you get one? That’s where Way.com becomes your best friend!
You have to use our app or website to find quotes from all the insurance companies in Montana. Then you must compare the quotes and buy a policy with the most affordable rate. Do you need extra help? Then our insurance agents in the state can guide you. They will help you understand Montana home insurance laws, the most complex insurance terms, discounts, and coverages. So, contact them soon if you want to buy a policy today!
The average cost of home insurance in Montana is around $2,008 yearly.
No, the law doesn’t mandate having homeowners insurance. But your mortgage company may demand it to obtain a loan.
Our analysis found that Pacific Insurance has the most affordable rates, with a yearly premium of $1,191. But you can find even cheaper rates. For that, you must compare the rates from all insurers and buy the one with the cheapest rate.
You must provide basic information about yourself and your property to buy one. It should include your name, address, year of construction, and any special features it may have. You must also mention to the insurer how old your roof is, whether you have a dog, and if you have ever filed a claim with your previous insurer.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.