Home Home insurance Average home insurance cost Montana Missoula, MT Average homeowners insurance cost in Missoula, MT View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Missoula, homeowners pay an average annual rate of $2,816 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $234 more than the national average of $2,582. Homeowners insurance rates change from one home to another. The home insurance premium in Missoula depends on various factors, such as: Size of your home Age of your home Amount of coverage you need Location Your credit score To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements. Read this guide to learn how much homeowners insurance costs monthly in Missoula, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Missoula. Key takeawaysThe average cost of homeowners insurance in Missoula is $2,816 per year. Nationwide is the cheapest homeowners insurance company in Missoula with an average annual premium of $1,258. If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $640 more a year for home insurance. Average homeowners insurance cost in Missoula per monthMissoula homeowners pay an average of $235 a month, based on our rate analysis. It’s $37 less than the state average of $272 and $20 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Missoula may vary depending on where you live, the value of your home, and the coverage you choose. Average homeowners insurance cost for a $200,000 house in MissoulaThe average cost of homeowners insurance in Missoula, MT is $2,176 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city. Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage. Average homeowners insurance cost for a $300,000 house in Missoula Based on a rate analysis conducted by Insure.com, Missoula residents pay an average of $2,816 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $640 per year for home insurance. Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area. Average homeowners insurance cost in Missoula by Company Among the carriers analyzed, Nationwide is the cheapest homeowners insurance company in Missoula. It’s average annual rate for Missoula homeowners is $1,258. Chubb Ltd ranks second and State Farm makes it to the third spot with an average annual home insurance rate of $1,679. Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Missoula and prepared a list of the cheapest home insurance providers. You can find below the Missoula home insurance companies and their average annual premium. Home Insurance Company Annual rate Nationwide$1,258Chubb Ltd$1,504State Farm$1,679Allstate$2,143Farmers$2,684Travelers$6,737USAA*$3,395 Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Missoula for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesBillingsBozemanGreat Falls In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Does homeowners insurance cover theft? By Nupur Gambhir Does home insurance cover fires from alternative heating sources? By Ashlee Tilford Guide to additional living expenses coverage By Lena Borrelli Homeowners insurance for seniors: A comprehensive guide By Chris Kissell Home insurance claims: How to file and what you should know By Chris Kissell Is carpenter ant damage covered by homeowners insurance? By Ashlee Tilford On this page Average homeowners insurance cost in Missoula per monthAverage homeowners insurance cost for a $200,000 house in Missoula Average homeowners insurance cost for a $300,000 house in Missoula Average homeowners insurance cost in Missoula by Company Methodology ZIP Code Please enter valid ZIP See rates