Getting homeowners insurance shouldn't be confusing. Compare Montana rates by city and insurance company below.
Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A homeowners insurance policy protects your dwelling, attached buildings, and personal property in the event of an array of calamities, such as fire, theft, vandalism, or wind damage.
Large gulfs exist in home insurance costs on a state-by-state basis. Home insurance rates in states diverge based on the value of — and total number of — home policy claims filed statewide, and depend on the value of the belongings and dwelling you're insuring.
The easiest way to get a cheap homeowners insurance policy in Montana is to get quotes from as many homeowners insurance companies as you can. Learn more about how much home insurance costs in Montana by referencing the below data. Remember: your rates will vary, depending on your coverage limits.
Home insurance prices in Montana differ based on the insurance company you select. Pacific Insurance underwrites the most affordable home insurance in Montana, at only $1,179 yearly. This is less than the state average cost of $2,042, providing an $862 price cut on the state's average rate.
Start shopping for affordable coverage by viewing average rates from top Montana companies, listed below.
| Company | Average Yearly Rate in Montana |
| Pacific Insurance | $1,179.20 |
| Trinity Universal | $1,286.50 |
| Safeco | $1,466.14 |
| Farmers | $1,711.02 |
| USAA | $1,920.65 |
Homeowners insurance rates in Montana differ by city. Policy pricing depends on local variables such as the likelihood of weather-related claims in the area, meaning your specific ZIP code impact how much you pay.
The cheapest homeowners insurance in Montana is available in Evergreen. An average home insurance policy in Evergreen costs $1,357 per year — $685 less than the average policy in other Montana cities. The below table shows the best places to live in Montana if you’re looking for cheap homeowners insurance.
| City | Average Annual Home Insurance Rate |
| Evergreen | $1,357.06 |
| Whitefish | $1,434.50 |
| Columbia Falls | $1,436.67 |
| Belgrade | $1,496.72 |
| Missoula | $1,510.57 |
If you want to save on insurance, consider holding your home and auto policies with the same insurance company. A home and car insurance bundle in Montana can save you a substantial sum each month on your auto insurance bill. Bundling home and auto policies in Montana may generate yearly savings of $146.
| Avg. Yearly Auto Insurance Rate (No Bundle) | Avg. 12-Month Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,347.00 | $1,201.00 | $146.00 | 12% |
One of the best ways to save on auto insurance is bundling. Find a policy today!