Average insurance rates across 16 cities in Montana
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Billings | 131,519 | $1,881 | $1,485 | $539/mo | $14/mo |
| Missoula | 88,780 | $1,881 | $1,485 | $539/mo | $14/mo |
| Great Falls | 67,300 | $1,881 | $1,485 | $539/mo | $14/mo |
| Bozeman | 65,279 | $1,881 | $1,485 | $539/mo | $14/mo |
| Butte | 34,638 | $1,881 | $1,485 | $539/mo | $14/mo |
| Helena | 32,529 | $1,881 | $1,485 | $539/mo | $14/mo |
| Kalispell | 25,473 | $1,881 | $1,485 | $539/mo | $14/mo |
| Belgrade | 10,941 | $1,881 | $1,485 | $539/mo | $14/mo |
| Anaconda | 9,435 | $1,881 | $1,485 | $539/mo | $14/mo |
| Helena Valley Southeast | 9,374 | $1,881 | $1,485 | $539/mo | $14/mo |
| Havre | 9,332 | $1,881 | $1,485 | $539/mo | $14/mo |
| Evergreen | 8,514 | $1,881 | $1,485 | $539/mo | $14/mo |
| Livingston | 8,489 | $1,881 | $1,485 | $539/mo | $14/mo |
| Miles City | 8,432 | $1,881 | $1,485 | $539/mo | $14/mo |
| Helena Valley West Central | 8,206 | $1,881 | $1,485 | $539/mo | $14/mo |
Montana residents pay an average of $1,900 per year for home insurance and $1,500 for auto insurance. Montana follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/20.
Health insurance in Montana averages $540 per month for an individual Silver marketplace plan. The weather risk level is medium, with earthquake risk to consider. Top insurance providers in Montana include State Farm, Mountain West Farm Bureau, Farmers.
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Policygenius The ZebraThe average home insurance cost in Montana is $1,900 per year. Rates range from $1,200 to $2,700 depending on home value, location, and coverage level.
Auto insurance in Montana averages $1,500 per year for full coverage. The state minimum coverage is 25/50/20.
Montana has moderate insurance costs, with home insurance at $1,900/yr and auto at $1,500/yr compared to national averages of $2,300 and $1,800 respectively.
Montana requires minimum liability coverage of 25/50/20 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.