Home Insurance in Montana: 2026 Rates & Guide
Montana is a mid-range state for home insurance. The average homeowner pays $155/month ($1860/year). Here's how to find the best rate for your home.
$155
$1860
#18
1=priciest
$122
Advertisement
Cheapest Home Insurance Companies in Montana (2026)
Rates below are estimates for a $300,000 home with $100,000 personal property coverage and a $1,000 deductible.
Top home insurers in Montana — sorted by average monthly rate
| # | Company | Est. Monthly | Rating | |
|---|---|---|---|---|
| 1 | ★ BestState Farm | $122/mo | 4.4 | Get Quote |
| 2 | Farmers | $138/mo | 4.1 | Get Quote |
| 3 | Allstate | $145/mo | 4 | Get Quote |
| 4 | Liberty Mutual | $150/mo | 3.9 | Get Quote |
Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.
Contains affiliate links — we may earn a commission at no cost to you.
Ready to get a quote?
Rates above are estimates — your actual quote may be lower. Takes 2 minutes.
Natural Disaster Risk in Montana
Risk Level: Moderate-high — wildfires, severe winter storms, flooding
Standard HO-3 policies cover wind damage but exclude flood and earthquake. Separate policies may be needed depending on your location within Montana.
Coverage Requirements
No state minimum — lenders require replacement cost dwelling coverage
Montana Home Insurance Requirements
- •No mandatory home insurance law in Montana
- •Wildfire defensible space is recommended and may affect insurability
- •Remote properties may face limited carrier options
Montana Home Insurance Facts
Advertisement
How to Get Cheaper Home Insurance in Montana
Bundle home + auto insurance
Multi-policy discounts average 15–25% at most major insurers — the single easiest saving.
Raise your deductible
Going from $500 to $1,000 or $2,500 deductible typically saves 10–20% on annual premiums.
Install security & safety devices
Smoke detectors, burglar alarms, and deadbolts can reduce premiums by 5–15%.
Upgrade your roof
Impact-resistant roofing (Class 4) can save $300–$1,500/year in storm-prone states like Kansas and Texas.
Compare quotes annually
Home insurance rates vary by 40–60% between companies. Shopping at renewal every year locks in the best rate.
Review your coverage limits
Over-insuring your land (which can't burn down) or under-insuring your possessions are both costly mistakes. Get a home inventory done.
Home Insurance in Montana — FAQs
What is the average cost of home insurance in Montana?
Is home insurance required in Montana?
What does home insurance cover in Montana?
What natural disasters affect home insurance in Montana?
How can I lower my home insurance in Montana?
Advertisement