🏠 Home insurance cost in Montana (2026)
The estimated average is $2,760 per year — above the national average (+20% vs. the U.S. average of $2,300).
Montana is home to about 1.1 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Billings typically differ from smaller towns.
Estimate your home insurance in Montana
Montana home insurance estimator
Starts from the Montana average. Estimate only — get quotes to confirm.
Home insurance cost in Montana cities
| City | Population | Est. home insurance |
|---|---|---|
| Billings | 117,116 | $2,760 |
| Missoula | 76,998 | $2,650 |
| Great Falls | 60,422 | $2,650 |
| Bozeman | 56,123 | $2,650 |
Montana home insurance FAQ
How much is home insurance in Montana?
The estimated average home insurance in Montana is $2,760 per year, which is above the national average (+20% vs. the U.S. average of $2,300). Montana ranks 12 of 51 states from most to least expensive.
Why is home insurance expensive in Montana?
Home insurance pricing in Montana reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.
How can I save on home insurance in Montana?
Compare at least three quotes from insurers active in Montana, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.