Best and cheapest companies for home and auto bundles in Montana

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Bundling home and auto insurance in Montana can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, State Farm offers the highest percentage savings, while State Farm delivers the cheapest bundled rates.

Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. The right choice depends on your home value, driving profile and where you live within Montana.

What you need to know about bundling in Montana

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
State Farm offers the largest bundle discount in Montana, saving about 26%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Montana can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

Which companies offer the best home and auto bundles in Montana? Here’s our pick

State Farm, Nationwide and Farmers rank among the best home and auto bundle companies in Montana, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Montana:

State Farm

The average bundle discount at State Farm is $1,159, or 26%. State Farm offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $4,491.

Nationwide

The average bundle discount at Nationwide is $784, or 14%. For Nationwide customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $5,787.

Farmers

The average bundle discount at Farmers is $1,585, or 20%. Bundling with Farmers means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $7,756.

Allstate

The average bundle discount at Allstate is $967, or 14%. Before the discount, the average cost of home and auto insurance is $6,834.

USAA

The average bundle discount at USAA is $380, or 8%. The average combined rate before the discount is $4,661.

People also ask:

Who has the cheapest home and auto bundle in Montana?

In Montana, State Farm offers the cheapest rates for home and auto bundle, with an average premium of $3,332.

How much can you save by bundling home and auto insurance in Montana?

On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts.

How do home and auto bundle rates compare in Montana?

Home and auto bundle rates in Montana can vary widely by insurer. Some companies offer lower starting premiums, while others provide larger discounts, and the difference between providers can be significant. Comparing both the final cost and the discount is essential to finding the best deal.

Here’s how rates and savings compare across top insurers in Montana:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$1,772	$2,719	0.87	1.15	$3,332	4.47
Nationwide	A	A	$2,302	$3,485	0.64	1.34	$5,003	3.54
Farmers	A	A	$3,660	$4,096	1.24	0.89	$6,171	2.96
Allstate	A+	A+	$3,824	$3,010	1.20	1.26	$5,867	2.88
USAA*	A++	A++	$1,236	$3,425	1.16	0.46	$4,281	4.15

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

Bundle savings can vary more than you expect

Two companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Montana?

State Farm is the most affordable option for home and auto bundles in Montana, based on total premium. On the other hand, State Farm is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

Here’s how the cheapest bundle options compare in Montana:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,719	$1,772	$4,491	$3,332
Nationwide	$3,485	$2,302	$5,787	$5,003
Allstate	$3,010	$3,824	$6,834	$5,867
Farmers	$4,096	$3,660	$7,756	$6,171
USAA*	$3,425	$1,236	$4,661	$4,281

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

Cheapest doesn’t always mean best value

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in Montana?

The most expensive ZIP code for home and auto bundles in Montana is 59311, with average rates of $6,695, while the cheapest is 59901, where average premiums drop to $4,186. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in Montana for home and auto insurance bundling is 59311 at an average rate of $6,695.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
59311	$6,695	$859	11%
59353	$6,565	$893	12%
59034	$6,486	$943	13%
59301	$6,441	$894	12%
59054	$6,328	$783	11%
59222	$6,002	$794	12%
59101	$6,000	$838	12%
59102	$5,828	$815	12%
59211	$5,732	$761	12%
59105	$5,546	$769	12%

Top ten cheapest ZIP codes

The least expensive ZIP code in Montana for home and auto insurance bundling is 59901 at an average rate of $4,186.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
59901	$4,186	$635	13%
59801	$4,337	$646	13%
59803	$4,354	$646	13%
59808	$4,355	$646	13%
59804	$4,360	$645	13%
59802	$4,393	$659	13%
59812	$4,453	$680	13%
59602	$4,462	$687	13%
59714	$4,477	$687	13%
59859	$4,486	$674	13%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Montana by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 5 companies and 39 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Montana can help reduce costs and make policy management easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and separate quotes. Coverage can also vary, so make sure both policies meet your needs before combining them.

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

Switching to a bundle is straightforward and often happens when one policy comes up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your current one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, check the total cost, coverage details, and the insurer’s reputation. It’s important to choose a licensed company with dependable claims handling, since the lowest price may not always offer the best protection (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. September 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in Montana? Here's our pick
How do home and auto bundle rates compare in Montana?
What is the cheapest home and auto bundles in Montana?
Which ZIP codes are most and least expensive in Montana?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Montana