Best and cheapest companies for home and auto bundles in Montana

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When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Montana to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in Montana when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 25%.

Meanwhile, Nationwide offers the cheapest overall rate when you bundle with the company in Montana. On average, you will pay $3,188 when you bundle.

Key Takeaways

In Montana, State Farm offers the biggest average discount of 25% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

How we picked the best companies for home and auto bundling

In 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre- and post-bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Montana

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top 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

The average bundle discount at Nationwide is $540, or 14%. Without a bundle discount, customers pay $3,728 for coverage. After the bundle discount, customers pay $3,188 on average. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

Farmers Insurance

Farmers Insurance offers an average discount of $1,269 when you bundle your auto and home insurance, which is about 20%. Without the discount, the average cost is $6,314, but with the discount, it drops to $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 help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

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

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

State Farm provides the largest discount on premiums for bundled insurance, while Nationwide offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
USAA	$2,356	$906	$3,262	$3,003
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

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 home and auto insurance bundling is 59801 at an average rate of $3,205. See the 10 least expensive ZIP codes below.

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 home and auto bundle insurance

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

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

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.

You might find interesting

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

Washington, D.C.$2,506/Year

West Virginia$2,361/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

Chris Kissell

Contributing Researcher

Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in Montana
Compare home and auto bundles in Montana
What company offers the cheapest home and auto bundle in Montana?
Most and least expensive ZIP codes for home and auto insurance bundles in Montana
Frequently asked questions about home and auto bundle insurance
Methodology