Updated: October 24, 2025
Advertising & Editorial Disclosure
Montana homeowners insurance costs $3,819 on average in 2024, which is $1,396 higher than the national average of $2,423. Your insurance provider impacts your premiums more than any other factor besides coverage amount, with premiums varying by up to $15,513 between the lowest and highest rates.
Has your rate recently increased? We've analyzed Montana's cheapest policies to help you find budget-friendly alternatives. Your choice of insurance provider directly impacts what you pay.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 28, 2025
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Table of Contents
To establish the average cost of homeowners insurance in Montana, MoneyGeek used quotes from various providers for a profile that reflects the average homeowner.
These rates reflect the average cost of car insurance in Montana as of 2024.
Montana homeowners insurance costs $3,819 per year on average. This rate covers a standard policy with $250,000 in dwelling coverage, $125,000 in personal property coverage and $200,000 in liability coverage—more than the national average of $2,423.
Your policy should cover enough to rebuild your home and replace belongings after a total loss, including personal property, additional structures, liability and loss of use coverage. Learn more about the right amount of home insurance for your needs.
Coverage needs directly influence your premium. Montana homeowners with $100,000 in dwelling coverage pay $2,187 annually, while larger homes requiring $500,000 in dwelling coverage cost $5,848 per year.
| $100K Dwelling / $50K Personal Property / $100K Liability | $2,187 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $3,819 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $5,848 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $7,627 |
Homeowners insurance premiums in Montana vary widely among providers for comparable coverage. Travelers offers a policy over 13 times more expensive than a similar one from Chubb.
Montana has plenty of great providers, but differences in underwriting create a wide range of premiums. Shop around to find the best rate.
| Chubb | $1,207 |
| American Modern | $1,664 |
| Nationwide | $1,737 |
| USAA | $1,796 |
| State Farm | $2,277 |
| Allstate | $2,768 |
| Farmers | $3,021 |
| Travelers | $16,080 |
Montana homeowners with poor credit scores pay $11,182 annually for homeowners insurance, while those with excellent credit pay $1,829. Poor credit results in premiums $7,363 higher than the state average.
Improving your credit score lowers insurance rates over time. Comparing insurers reveals more affordable options in as little as 15 minutes. Discover which insurers offer the most savings for your situation in Montana.
| Poor | $11,182 |
| Below Fair | $7,921 |
| Fair | $5,819 |
| Good | $3,819 |
| Excellent | $1,829 |
Your roof type affects Montana homeowners insurance costs. Durable materials like tile lead to lower premiums due to their damage resistance, while less durable materials like shake-treated wood increase premiums.
Your home's construction type also influences insurance costs. Homes built with fire-resistant materials get better insurance rates, with superior construction materials resulting in lower premiums compared to standard frame construction.
Use the drop-downs in the table below to see how premiums change based on your home's materials.
| $100K Dwelling / $50K Personal Property / $100K Liability | $2,187 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $3,819 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $5,848 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $7,627 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $9,522 |
New construction homes in Montana cost less to insure than existing ones due to modern materials and current building codes. New homes average $1,857 annually, which is $1,962 lower than the $3,819 average for older homes. The table below shows premium differences for varying coverage levels.
| Existing Construction (2000) | $3,819 |
| New Construction (2023) | $1,857 |
Montana homeowners with a claim-free record for over five years pay $3,819 annually on average. One claim within the past five years raises the average to $4,408, while two claims raise it to $4,625, a 15% increase for one claim and a 21% increase for two claims from the claim-free baseline.
| Claim free for 5+ years | $3,819 |
| 1 claim in past 5 years | $4,408 |
| 2 claims in past 5 years | $4,625 |
Wildfires and flooding hit Montana hardest. Homeowners insurance covers wildfire damage, but typical policies don't cover flooding. You'll need separate flood insurance for flood protection.
Shop for Montana home insurance by following these steps:
Ask about deals like bundles to save money.
Pick a deductible that fits your budget.
Verify the company is reliable and pays claims quickly.
Montana homeowners who bundle their home insurance with auto insurance save $563 to $954 per year, averaging a 17% discount on combined policies. Bundling simplifies insurance management and provides financial savings.
Montana homeowners can lower premiums through insurance discounts:
Inquire about all possible discounts when requesting a quote.
MoneyGeek's experts answered common questions about Montana homeowners insurance:
Chubb offers the lowest average premium in Montana at $1,207 per year. More options are available with cheap national providers.
Montana homeowners insurance covers wildfire damage, a common natural disaster in the state.
Montana homeowners insurance doesn't include flood coverage in standard policies. You can purchase flood insurance through the National Flood Insurance Program or a private flood insurer, and some home insurers offer it as an endorsement.
The provider impacts Montana homeowners insurance prices most, with premiums ranging from $1,207 to $16,080.
Montana residents save $563 to $954 per year on average by bundling homeowners and auto insurance.
If you’d like to learn more about homeowners insurance in Montana, these resources can help you explore state regulations, compare costs and find the right coverage for your needs:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.
