Missoula Home Insurance Costs (2026)

How much is homeowners insurance in Missoula?

Homeowners insurance in Missoula averages $372 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are State Farm, USAA (military families only), Farmers and Travelers, and each one priced our sample home in all 5 Missoula ZIP codes in our data, in Missoula County. For this house, Missoula is below the Montana average of $492 a month; it’s the only Montana city in our data with at least 5 ZIP codes priced.

Our figures are for a $300,000 dwelling, which works out to about $14.86 a year for each $1,000 of dwelling coverage in Missoula; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Missoula average rose 1.0% since Nov. 2025, from $4,416 a year ($368 a month) on Nov. 30, 2025, to $4,458 ($372) on Sept. 30, 2026, as State Farm’s rose 8.2% and the other insurers’ prices didn’t change.

Homeowners insurance averages by insurer in Missoula for our sample home (rates as of Sept. 30, 2026)

State Farm averaged $185 a month ($2,218 a year), USAA (military families only) $284 ($3,405), Farmers $328 ($3,939) and Travelers $689 ($8,270) for our sample home.

Same sample home: each insurer’s average yearly price in the same Missoula ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 4 insurers in the table priced the same 5 Missoula ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Missoula address:

• State Farm ran from $2,090 a year in 59803 to $2,340 in 59808.
• USAA (military families only) charged $3,405 a year in every Missoula ZIP code it priced.
• Farmers ran from $3,802 a year in 59803 to $4,098 in 59802.
• Travelers ran from $7,824 a year in 59801 to $8,565 in 59808.

Against each insurer’s statewide price: for the same house, here is how each insurer’s Missoula average compares with its own average across the Montana ZIP codes it priced:

• State Farm: $2,218 a year in Missoula, 23.2% less than its Montana average of $2,889.
• USAA (military families only): $3,405 a year in Missoula, 20.4% more than its Montana average of $2,827.
• Farmers: $3,939 a year in Missoula, 17.8% less than its Montana average of $4,789.
• Travelers: $8,270 a year in Missoula, 36.9% less than its Montana average of $13,113.

Why one insurer stands out: Travelers’ average for our sample home, $689 a month, is about 2.6 times the other 3 insurers’ average. It stays in our figures. Without it, the Missoula average would be $266 a month ($3,187 a year), 46.0% below the Montana average.

Same sample home in Missoula with all 4 insurers and without Travelers (rates as of Sept. 30, 2026)

The Montana figure includes every insurer we priced in the state.

Who has the cheapest homeowners insurance in Missoula?

Prices for the same home vary so much by insurer that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Missoula, ZIP code averages for this house ran from $360 to $382 a month, while insurers’ Missoula averages ran from $185 to $689.

Same house, different city: how does Missoula compare?

Missoula is the only Montana city in our data with at least 5 ZIP codes priced, so the table compares it with the state as a whole.

Same sample home: average home insurance prices in Missoula and the Montana average (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Across the U.S., 194 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Missoula, and 97 a higher one.

For the statewide picture, see home insurance costs in Montana and Billings home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in Missoula?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Missoula averages $372 a month ($4,458 a year) across the 4 insurers we compared in 5 ZIP codes (rates as of Sept. 30, 2026). That’s 24.5% below the $492-a-month Montana average for the same house. Insurers’ averages for that same house ran from $185 to $689 a month. Without Travelers, which priced far above the rest, the average would be $266 a month.

Why your Missoula quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Missoula quote above the $372 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

Why is homeowners insurance so expensive in Missoula?

For our sample house, Missoula’s average is 43.8% above the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what Missoula homes face.

One reason in our data: Travelers’ average for our sample home, $689 a month, is about 2.6 times the other insurers’ average; without it, Missoula would average $266 a month.

Wind gusts reached 109 mph on Mount Sentinel and 81 mph at the Missoula airport during the July 24, 2024, windstorm, according to the Montana Governor’s Office.

Smoke from local and regional fires often fills Missoula’s air late in summer and early in fall, and residents face wildfire threats every year, according to the City of Missoula.

How to find cheaper home insurance in Missoula

For our sample home, insurers’ Missoula averages ran from $2,218 to $8,270 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: on the same house, insurers’ Missoula averages ran from $185 to $689 a month, while the ZIP code moved each insurer’s price far less.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 16 months of Missoula’s $372-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $372-a-month Missoula average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in Missoula?

Renters insurance for our sample renter averages $21 a month ($249 a year) in Missoula. For our sample renter, prices among the 5 insurers we compared ranged from $11 to $39 a month, a $28-a-month gap for the same coverage.

Renters insurance averages by insurer in Missoula for our sample renter (rates as of Sept. 30, 2026)

State Farm averaged $11 a month ($132 a year), Safeco $12 ($147), USAA (military families only) $21 ($250), Farmers $21 ($251) and Travelers $39 ($466) for our sample renter.

State Farm had the lowest renters average for our sample renter of the insurers anyone can buy from, $11 a month ($132 a year), 10.2% below Safeco’s $147 a year, the next of those insurers. Another insurer may be lower for your apartment, so compare quotes.

Travelers’ renters average is about 2.4 times the other insurers’ average; without it, Missoula’s renters average would be $16 a month ($195 a year).

Missoula’s renters average is 1.0% below the Montana renters average of $252 a year ($21 a month) and 2.7% below the average of the 50 states and D.C., $256 a year ($21 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 149 have a lower renters average for our sample renter than Missoula, 142 a higher one. Each insurer’s Missoula renters average for our sample renter is within $1 a month of its Montana average. Our sample renter’s policy costs about 6% of what our sample home costs to insure in Missoula.

For the same insurers and ZIP codes, the Missoula renters average barely moved since Nov. 2025: it rose 0.4%, from $248 to $249 a year, as State Farm’s rose 3.9% and the other insurers’ prices didn’t change.

By ZIP code, the Missoula renters average for our sample renter ran from $20 a month in 59803 to $21 in 59802.

Each insurer’s yearly renters price for our sample renter by Missoula ZIP code:

• State Farm charged $132 a year in every Missoula ZIP code it priced.
• Safeco charged $147 a year in every Missoula ZIP code it priced.
• USAA (military families only) charged $250 a year in every Missoula ZIP code it priced.
• Farmers ran from $250 a year in 4 ZIP codes, including 59801 to $255 in 59802.
• Travelers ran from $431 a year in 59803 to $476 in 2 ZIP codes, including 59802.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 25 sample prices by 5 insurers across 5 Missoula ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in a Missoula apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Missoula, that package averages $21 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 5 Missoula ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Missoula

Many Missoula homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See car insurance rates in Missoula · Montana car insurance rates · How bundling home and auto insurance works