Average home insurance cost in Montana

The average cost of homeowners insurance in Montana is $2,874 a year or $239 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 for 2023 is Chubb Ltd, followed by USAA and Nationwide.

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.

Best home insurance companies in Montana
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Chubb LtdA++$1,3440.165
USAAA++$1,9720.414.7
NationwideA+$2,3450.754.26
State FarmA++$3,1111.074.03
FarmersA$3,5920.334.01
AllstateA+$2,6572.043.45
TravelersA++$6,6680.63.35

*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 most categories by a wide margin.

Best home insurance companies in Montana
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Chubb LtdA++$1,3440.165
USAAA++$1,9720.414.7
NationwideA+$2,3450.754.26
State FarmA++$3,1111.074.03
FarmersA$3,5920.334.01
AllstateA+$2,6572.043.45
TravelersA++$6,6680.63.35

*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

Average home insurance rates in Florida
$200,000
$200,000 $300,000 $400,000 $500,000 $600,000
$1000
$1,000
$100,000
$100,000 $300,000
View most and least expensive ZIP codes

Most & least expensive ZIP codes for homeowners insurance in Florida

Most expensive

ZIP CodeCityHighest Rate
32805Holden Heights$5,278
33455Hobe Sound$5,273
33150Gladeview$5,065
32806Conway$5,052

Least expensive

ZIP CodeCityLowest Rate
34234North Sarasota$1,134
32071O Brien$1,136
34994North River Shores$1,137
33544Wesley Chapel$1,140

The most expensive ZIP codes in Montana for home insurance

Montana homeowners insurance rates are the most expensive for ZIP code 59085 with an average annual cost of $3,814.

The most expensive ZIP codes in Montana are:

ZIP codeAverage annual rates
59085$3,814
59452$3,695
59345$3,621
59313$3,605
59062$3,603
59344$3,572

The least expensive ZIP codes in Montana for home insurance

The cheapest ZIP codes for home insurance in Montana are:

ZIP codeAverage annual rates
59921$2,005
59918$2,019
59933$2,051
59927$2,130
59867$2,154
59713$2,172

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.

CityAnnual insurance premium
Anaconda-Deer Lodge County
$2,023
Belgrade
$1,893
Billings
$2,267
Bozeman
$1,924
Butte
$1,932
Great Falls
$2,252
Havre
$2,779
Helena
$1,930
Missoula
$1,833

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