- Average home insurance cost in Montana
- Best home insurance companies in Montana
- Cheapest home insurance companies in Montana
- Montana home insurance rates by ZIP code
- Montana homeowners insurance rates by county
- Compare homeowners insurance rates by city in Montana
- Methodology
- Compare Montana homeowners insurance rates with other states
Average home insurance cost in Montana
The average cost of homeowners insurance in Montana is $3,215 a year or $268 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Montana homeowners insurance companies to get the best deal.
Best home insurance companies in Montana
The best home insurance company in Montana is Chubb, followed by Travelers and State Farm.
Below is a full list of the top Montana insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
*USAA only provides coverage to military members, veterans, and their families.
Cheapest home insurance companies in Montana
Below are Montana home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Chubb has the most affordable rates in all categories by a considerable margin.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| State Farm | $2,223 | $2,799 | $3,311 | $4,336 | $5,670 |
| Farmers | $2,927 | $4,133 | $5,388 | $7,759 | $11,678 |
| Allstate | $2,529 | $3,043 | $3,409 | $4,213 | $5,650 |
| Nationwide | $2,457 | $3,500 | $4,427 | $6,315 | $8,892 |
| Travelers | $2,318 | $2,961 | $3,402 | $4,096 | $5,023 |
| Chubb | $753 | $976 | $1,198 | $1,649 | $2,105 |
| USAA | $2,624 | $3,425 | $4,065 | $5,232 | $6,866 |
*USAA only provides coverage to military members, veterans and their families.
Montana home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Montana to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Montana Commissioner of Securities and Insurance says...
While homeowner's insurance is not designed to cover most business uses of your home, some policies might cover some business uses, at least partially. For example, if you use your home computer or laptop for business, it's often covered. However, you should check your policy limits to make sure. Your laptop might be covered even it is lost, damaged, or stolen while you are away from your home.
- The Montana Commissioner of Securities and InsuranceThe most expensive ZIP codes in Montana for home insurance
Montana homeowners insurance rates are the most expensive for ZIP code 59313 with an average annual cost of $4,850.
The most expensive ZIP codes in Montana are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Baker | 59313 | $4,850 |
| Hammond | 59332 | $4,732 |
| Ekalaka | 59324 | $4,721 |
| Capitol | 59319 | $4,624 |
| Wibaux | 59353 | $4,613 |
The least expensive ZIP codes in Montana for home insurance
The cheapest ZIP codes for home insurance in Montana are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Whitefish | 59937 | $1,975 |
| Kalispell | 59901 | $1,984 |
| Columbia Falls | 59912 | $1,996 |
| Eureka | 59917 | $2,007 |
| Kila | 59920 | $2,019 |
Montana homeowners insurance rates by county
Home insurance rates in Montana vary by county. Take a look at the average rates by county in Montana below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Beaverhead | $3,125 | $260 |
| Big Horn | $3,459 | $288 |
| Blaine | $2,793 | $233 |
| Broadwater | $2,988 | $249 |
| Carbon | $3,423 | $285 |
| Carter | $4,601 | $383 |
| Cascade | $3,048 | $254 |
| Chouteau | $2,859 | $238 |
| Custer | $4,356 | $363 |
| Daniels | $3,873 | $323 |
| Dawson | $4,188 | $349 |
| Deer Lodge | $2,826 | $235 |
| Fallon | $4,608 | $384 |
| Fergus | $2,820 | $235 |
| Flathead | $2,553 | $213 |
| Gallatin | $2,885 | $240 |
| Garfield | $3,932 | $328 |
| Glacier | $2,658 | $221 |
| Golden Valley | $3,252 | $271 |
| Granite | $2,730 | $228 |
| Hill | $2,874 | $240 |
| Jefferson | $2,879 | $240 |
| Judith Basin | $3,039 | $253 |
| Lake | $2,505 | $209 |
| Lewis And Clark | $2,902 | $242 |
| Liberty | $3,117 | $260 |
| Lincoln | $2,749 | $229 |
| Madison | $2,931 | $244 |
| Mccone | $3,669 | $306 |
| Meagher | $3,120 | $260 |
| Mineral | $2,785 | $232 |
| Missoula | $2,537 | $211 |
| Musselshell | $3,388 | $282 |
| Park | $3,196 | $266 |
| Petroleum | $3,934 | $328 |
| Phillips | $3,049 | $254 |
| Pondera | $2,865 | $239 |
| Powder River | $4,402 | $367 |
| Powell | $2,835 | $236 |
| Prairie | $4,209 | $351 |
| Ravalli | $2,724 | $227 |
| Richland | $4,173 | $348 |
| Roosevelt | $4,191 | $349 |
| Rosebud | $4,235 | $353 |
| Sanders | $2,402 | $200 |
| Sheridan | $3,938 | $328 |
| Silver Bow | $2,794 | $233 |
| Stillwater | $3,203 | $267 |
| Sweet Grass | $3,323 | $277 |
| Teton | $2,735 | $228 |
| Toole | $2,610 | $218 |
| Treasure | $3,898 | $325 |
| Valley | $3,928 | $327 |
| Wheatland | $3,323 | $277 |
| Wibaux | $4,613 | $384 |
| Yellowstone | $3,697 | $308 |
Compare homeowners insurance rates by city in Montana
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Montana.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
