Insurance Agencies in Montana

Cost guide

What insurance costs in Montana, and how to pay less

Insurance is priced state by state, and inside Montana by ZIP code, driver and property. Here are Montana’s published average premiums, what pushes prices up or down across the state, and how to compare quotes.

Car insurance in Montana

Montana drivers spent an average of $975 a year on car insurance in 2023, 24% below the U.S. average of $1,282. That is the 38th highest of the 50 states and DC. The figure averages every policy sold, from liability-only to full coverage.

Car insurance prices nationally have risen 25% since 2023, by the consumer price index for motor vehicle insurance (2025). Brought forward by that rise, a rough budget for a Montana driver is about $1,030 to $1,400 a year. That is our estimate, not a quote: your driving record, car, age and coverage choices move the price more than anything on this page.

The legal minimum in Montana is 25/50/20. A minimum-limits policy is the cheapest you can buy, but anything a crash costs above those limits is yours to pay. Work out the limits you need.

Home insurance in Montana

Montana homeowners paid an average of $1,768 for a standard homeowners policy in 2023, close to the U.S. average of $1,737. That is the 18th highest of the 50 states and DC. Home insurance prices have moved since 2023, so treat it as a starting point: a rough budget is about $1,770 to $2,300 a year for a typical home, our estimate.

Weather risk is priced in too. Across Montana’s 56 counties, FEMA rates winter weather risk Relatively High or above in 17 and lightning risk Relatively High or above in 3, compared with other U.S. counties.

Renters insurance in Montana

Renters in Montana paid an average of $163 a year in 2023, 6% below the U.S. average of $173. Brought forward by the price index for tenants’ insurance (8% since 2023), a rough budget is about $150 to $200 a year, our estimate. 30.8% of households in Montana rent.

How to pay less for insurance in Montana

1. Get at least three quotes. Prices for the same driver or home can differ by hundreds of dollars between insurance companies. We list 108 agencies in Montana; an agency appointed with several companies can quote all of them in one conversation.
2. Bundle home and car. Most insurers discount policies bought together, and one agency handling both makes a claim or a renewal simpler. Home insurance agencies
3. Pick the deductible you could pay tomorrow. A higher deductible lowers the premium. It only saves money if you could cover it from savings after a claim. Deductible calculator
4. Ask about every discount. Safe-driver, multi-car, good-student, home security and paid-in-full discounts are common; an agent can check which ones each company offers.
5. Price flood cover separately. Standard home and renters policies exclude flood damage. Flood insurance
6. Re-shop at renewal. Renewal prices can rise without a claim. Comparing a month before the renewal date leaves time to switch. Renewal checklist

Sources: NAIC average premium and expenditure tables (2023), via content.naic.org; U.S. Bureau of Labor Statistics consumer price index; FEMA National Risk Index; U.S. Census Bureau American Community Survey. Budget ranges are our estimates, not quotes. Checked 2026-10-24.