Best and cheapest companies for home and auto bundles in Montana

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Montana insurers to help you find the carriers that offer the most affordable rates after bundling.

In Montana, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 25%.

Nationwide provides the lowest bundled rate in Montana, with an average cost of $3,188 for combining your home and auto policies.

Key Takeaways

In Montana, State Farm is the best home and auto bundle insurance provider, offering an average discount of 25%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

How we picked the best companies for home and auto bundling

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.

Our recommendation for the best home and auto bundles in Montana

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in Montana.

State Farm

State Farm offers a 25% bundle discount, which amounts to an average savings of $1,101. The combined cost of home and auto insurance before the discount is $4,391, and after the discount, it drops to $3,290.

Nationwide

Nationwide offers an average discount of $540 when you bundle your auto and home insurance, which is about 14%. Without the discount, the average cost is $3,728, but with the discount, the price drops to $3,188.

Farmers Insurance

Bundling auto and home insurance with Farmers Insurance can save an average of $1,269, or 20%. Without the discount, the coverage costs $6,314, but after the discount, it’s only $5,045.

Allstate

The average bundle discount at Allstate is $892, which is a 16% savings. The cost of home and auto insurance before the discount is $5,617, but it lowers to $4,725 after applying the discount.

Compare home and auto bundles in Montana

Bundling your home and auto insurance in Montana can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$3,290	47	87.4	A++	25%	81.45
Nationwide	$3,188	42	86.6	A	14%	67.3
Farmers Insurance	$5,045	43	82	A	20%	62.2
Allstate	$4,725	39	85	A+	16%	61.14

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What company offers the cheapest home and auto bundles in Montana?

If you bundle your policies, State Farm gives you the highest discount. Nationwide has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Nationwide	$2,211	$1,517	$3,728	$3,188
State Farm	$2,865	$1,526	$4,391	$3,290
Allstate	$2,404	$3,213	$5,617	$4,725
Farmers Insurance	$3,545	$2,769	$6,314	$5,045
USAA*	$2,356	$906	$3,262	$3,003

*USAA is only available to military community members and their families.

Most and least expensive ZIP codes for home and auto insurance bundles in Montana

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Montana.

Most expensive ZIP codes

The ZIP code 59311 in Montana has the highest average cost for bundling home and auto insurance, at $4,878. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
59311	$4,878	17%
59353	$4,811	17%
59301	$4,748	17%
59101	$4,517	17%
59034	$4,467	16%
59222	$4,467	17%
59102	$4,466	17%
59105	$4,423	17%
59054	$4,269	16%
59106	$4,261	17%

Least expensive ZIP codes

The least expensive ZIP code in Montana for bundling home and auto insurance is 59801, with an average cost of $3,205. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
59801	$3,205	17%
59804	$3,217	17%
59803	$3,219	17%
59808	$3,220	17%
59901	$3,263	17%
59802	$3,268	17%
59812	$3,276	17%
59714	$3,406	16%
59713	$3,427	16%
59601	$3,496	17%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in Montana?

Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

Remember when buying insurance that you’re doing so to protect your most valuable assets, says Christine O’Brien, president of the Insurance Council of New Jersey. Take the time to learn about policy limits and coverages and get several quotes.

How can you switch to a home and auto bundle in Montana?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.

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Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.