State Farm consistently offers the most affordable home and auto bundle rates in Montana across all dwelling coverage levels. At $100,000 dwelling coverage, the annual rate starts at $1,931, then rises to $2,685 for $250,000 coverage and $3,462 for $500,000 dwelling protection. Moving up to $750,000 dwelling coverage costs $4,189 per year, while $1 million in coverage reaches $4,793 annually. The filters above let you compare rates at each coverage level to find the best fit.
Best Cheap Home and Auto Bundle Insurance in Montana
Updated: April 2, 2026
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Key Takeaways
State Farm provides the most affordable home and auto bundle in Montana at $2,685 per year. Read more.
State Farm offers Montana's largest bundle discount at 25%, which saves policyholders $891 annually. Read more.
State Farm tops bundle rankings with a MoneyGeek score of 4.9 out of 5. Read more.
Cheapest Home and Auto Bundle in Montana
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
40
| State Farm | $2,685 | $891 |
| Nationwide | $4,533 | $421 |
| Allstate | $4,535 | $544 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
Companies Offering the Biggest Bundle Discount in Montana
State Farm offers both the highest percentage discount at 25% and the largest dollar savings at $891 per year. With a bundled premium of $2,685, it's also the most affordable option overall for Montana residents. This combination of meaningful percentage savings, substantial dollar reductions and competitive pricing makes State Farm the most practical choice for homeowners looking to bundle their policies.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | 25% | $891 | $2,685 |
| Allstate | 11% | $544 | $4,535 |
| Nationwide | 9% | $421 | $4,533 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates across different coverage levels.
Best Home and Auto Bundle Companies in Montana
Montana's top home and auto bundle options combine strong customer service with competitive pricing and comprehensive coverage. State Farm leads with a MoneyGeek score of 4.9 out of 5, with affordable auto rates and consistently high customer satisfaction rankings in J.D. Power studies. Allstate follows closely at 4.5 out of 5. It offers extensive coverage options and comprehensive policy add-ons for both home and auto insurance.
| Cheapest Bundle | State Farm | 4.9 | $2,685 |
| Best Overall | State Farm | 4.9 | $2,685 |
| Biggest Discount | State Farm | 4.9 | $2,685 |
| Runner-Up | Allstate | 4.5 | $4,535 |
Best Overall: State Farm
pros
Drive Safe & Save telematics program rewards safe driving habits with additional discounts beyond the standard bundle savings.
Leads Montana's bundle rankings with a 98 out of 100 MoneyGeek score.
Policyholders save $891 per year by bundling home and auto at a 25% discount.
Personal property replacement cost coverage helps homeowners replace belongings at current prices rather than depreciated values.
cons
State Farm's auto coverage options rank below other top providers in MoneyGeek's Montana analysis.
Home insurance policies in Montana may be underwritten through State Farm affiliate companies rather than State Farm directly.
Some competitors in the analysis offer broader coverage features that State Farm's standard policies may not include.
COMPANY HIGHLIGHTS
State Farm scores 98 out of 100 (4.9 stars) from MoneyGeek, ranking first among Montana's home and auto bundle providers. At $2,685 per year, policyholders save $891 annually by bundling, a 25% discount over buying policies separately.
Montana drivers can enroll in State Farm's Drive Safe & Save program, which uses telematics to monitor driving habits and rewards safe behaviors with additional auto discounts beyond the bundle savings. Home policies include coverage options for Montana's wildfire and severe weather risks, with optional endorsements for equipment breakdown and personal property replacement cost coverage that address the state's rural property challenges.
State Farm's extensive agent network throughout Montana provides local expertise for claims and policy adjustments, while the mobile app lets bundled policyholders manage both policies from a single platform.
Runner-Up: Allstate
pros
Drivewise telematics program rewards safe driving habits with additional discounts beyond the standard bundle savings.
Runner-up bundle provider in Montana with a MoneyGeek score of 89 out of 100.
Bundling saves policyholders $544 per year at an 11% discount.
Home coverage includes equipment breakdown protection and service line coverage for comprehensive property protection.
cons
Bundled premium of $4,535 per year ranks as the highest-cost option among Montana's top providers.
Trails State Farm's top score of 98 by nine points in MoneyGeek's ranking.
Ranks last among the three providers analyzed for both auto affordability and home customer experience.
COMPANY HIGHLIGHTS
At $4,535 per year, Allstate is Montana's second-ranked home and auto bundle provider with a MoneyGeek score of 89 out of 100 (4.5 stars). Policyholders save $544 per year through an 11% bundle discount, though Allstate trails State Farm by nine points.
Allstate's strength lies in coverage quality, ranking first for auto coverage and second for home coverage in Montana. The company's Drivewise program uses telematics to reward safe driving habits with additional discounts beyond bundle savings, while Milewise offers pay-per-mile pricing for low-mileage drivers. Home policies include comprehensive coverage options that address Montana's weather-related risks like hail and wind damage.
Allstate's mobile app provides policy management tools and claims filing capabilities, making it easy for bundled policyholders to manage both policies in one place.
How to Get Cheaper Home and Auto Bundle Insurance in Montana
Montana homeowners can cut their bundle premiums by adjusting coverage levels and taking advantage of available discounts. While home insurance costs here run below national averages, auto coverage costs more due to rural driving conditions and harsh winters.
Choose a Higher Deductible
A higher deductible reduces your premium by shifting more upfront costs to you. Moving from a $500 to $1,000 deductible can lower your home insurance rate. Make sure you have adequate cash reserves before choosing this option.
Use a Driving Discount Program
State Farm's Drive Safe & Save and Allstate's Drivewise track your driving habits through smartphone apps or devices.
Add Fire-Resistant Home Features
Fire-resistant roofing materials and defensible landscaping can qualify for premium discounts in Montana's wildfire-prone areas. Impact-resistant materials also protect against hail damage common in the state. These improvements stack with your bundle discount for additional savings.
Keep Your Credit Score Strong
Montana insurers use credit-based insurance scoring to set both home and auto premiums. Good credit can lower your rates at renewal time across both policies. Pay bills on time and keep credit utilization low to maintain favorable insurance pricing.
Home and Auto Insurance in Montana: FAQ
Does Montana's regional risk affect bundle insurance rates?
Yes, wildfire risk causes higher home insurance premiums in Montana, which directly increases the cost of bundled home and auto policies. Insurers assess wildfire risk ratings, proximity to forest areas and defensible space around properties when pricing coverage in high-risk zones. Installing fire-resistant roofing materials and creating defensible space can help offset premium increases.
Which company has the best bundle in Montana for homeowners who want more coverage?
State Farm leads Montana's homeowners insurance market with a MoneyGeek score of 98 out of 100 for coverage-focused homeowners. The insurer offers equipment breakdown protection and service line coverage, add-ons less common among Montana providers. State Farm also offers the best overall value for homeowners seeking comprehensive protection.
Should I bundle home and auto insurance in Montana?
Yes, every provider in MoneyGeek's Montana analysis saves policyholders money through bundling. Montana's insurance market can be costly, so taking advantage of these discounts helps reduce your overall expenses. Bundling also means one insurer, one renewal date and one point of contact.
Best Auto and Home Insurance Bundle in Montana: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Commissioner of Securities and Insurance, Quadrant Information Services, AM Best and J.D. Power. Premiums are averages and vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Weights affordability, customer satisfaction (AM Best and J.D. Power) and coverage quality
- Baseline driver: 40-year-old with good credit, 2021 Toyota Camry, 50/100 full coverage with $1,000 deductible
- Baseline home: $250,000 dwelling, $125,000 personal property, $200,000 liability
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.