Affordable Home Insurance in Montana
Your real home insurance rate from licensed Montana carriers. No spam calls.
Free · No obligation · Montana licensed advisors
We compare 50+ carriers so you don't have to.
See prices and coverage side by side, in one place.
What drives home insurance rates in Montana
Average homeowners premium, 2023
$1,768
The average homeowners policy in Montana cost $1,768 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
56.1¢
Home insurers in Montana paid 56.1 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
102
NOAA logged 4 tornado, 96 large-hail and 2 flash-flood event reports in Montana in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#42
FEMA ranks Montana #42 of 51 for expected annual loss from natural hazards; flood accounts for 37% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Montana
The ten insurer groups that wrote the most home premium in Montana in 2025, with their share of the state total of $807 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 24.43% | $197 million |
| 2 | Liberty Mutual Group | 14.64% | $118 million |
| 3 | Farmers Insurance Group | 12.08% | $97 million |
| 4 | United Services Automobile Association Group | 9.36% | $76 million |
| 5 | Travelers Group | 7.17% | $58 million |
| 6 | Mountain West Farm Group | 5.45% | $44 million |
| 7 | Chubb Ltd Group | 3.49% | $28 million |
| 8 | Allstate Insurance Group | 3.11% | $25 million |
| 9 | American Family Insurance Group | 3.01% | $24 million |
| 10 | Farmers Union Mutual Insurance Co. | 2.07% | $17 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
How it works
See how Truvo protects your home for less.
WE COMPARE 50+ CARRIERS TO FIND YOUR BEST HOME INSURANCE RATE
PROTECT YOUR BIGGEST INVESTMENT WITH THE RIGHT COVERAGE
BUNDLE HOME + AUTO TO SAVE EVEN MORE — UP TO 25% OFF
FAQs
What Our Customers Say
Don’t just take our word for it. See what real customers are saying about their Truvo experience.
View all our Google reviews“Truvo was GREAT!!! They helped me to the max, I saved 200 dollars on car insurance! Do you guys know what I can do with 200 DOLLARS?!??! Work with them😅😅👊 …”
Jmarion S.
“Very courteous and friendly to me with my auto insurance policy. VERY PLEASED.”
Wayland M.
“Truvo did an awesome job finding an insurance policy that saved money and met all my requirements!! Give them a call for great customer service!!”
Emily T.
“Very helpful and patient”
Diana C.
Ready to protect your home for less?
free · real quotes in 2 minutes · no spam calls
Compare Home Rates