Bundle Home & Auto Insurance in Montana

Bundling your home and auto insurance with the same carrier in Montana saves 10-25% on both policies. With the average auto premium at $149/month, that's potential savings of $250-$600+/year on auto alone — plus savings on your homeowner's policy too.

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How Bundling Saves You Money in Montana

10-25%

Auto Policy Discount

5-15%

Home Policy Discount

1 Bill

Simplified Payments

1 Agent

Single Point of Contact

Estimated Bundle Savings in Montana

Current Auto Rate	Bundle Discount (15%)	Annual Savings
$1788/yr (avg)	$1520/yr	$268

Plus 5-15% off your home insurance, which averages $1,500-$2,500/yr in Montana. Total combined savings can reach $500-$1,000+ per year.

Best Carriers for Bundling in Montana

State Farm — consistently strong bundle discounts; both home and auto available nationwide
Allstate — multi-policy discount + additional loyalty savings for long-term bundlers
USAA — if military-eligible, offers some of the biggest bundle savings in the industry
Progressive + homeowners partner — Progressive bundles auto with partner home insurance carriers
Erie — excellent regional option with competitive bundle rates in applicable states

When NOT to Bundle

Separate carriers are cheaper even after discounts — always compare bundled vs. separate pricing
You're locked into a home policy — if your home policy has early termination fees, wait for renewal to bundle
Specialized needs — high-value homes, classic cars, or unusual properties may be better with specialty carriers

Auto Insurance Rates in Montana

Insurance Company	6-Month Premium	Monthly Cost
USAA ⭐	$594	$99/mo
GEICO	$678	$113/mo
Progressive	$762	$127/mo
State Farm	$834	$139/mo
Farmers	$960	$160/mo

Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.

More Montana Auto Insurance Guides

📄 Cheap Car Insurance› 📄 Minimum Coverage› 📄 Full Coverage› 📄 SR-22 Insurance› 📄 No Deposit Insurance› 📄 Liability Insurance› 📄 Collision Insurance› 📄 Comprehensive Insurance› 📄 Uninsured Motorist Insurance› 📄 PIP Insurance› 📄 Gap Insurance› 📄 Non-Owner Car Insurance› 📄 Teen Driver Insurance› 📄 Senior Driver Insurance› 📄 Military Car Insurance› 📄 High Risk Auto Insurance› 📄 First-Time Driver Insurance› 📄 Insurance After DUI› 📄 Bad Credit Car Insurance› 📄 Multi-Car Insurance› 📄 Rideshare Insurance› 📄 Car Insurance Discounts› 📄 Pay-Per-Mile Insurance› 📄 Same-Day Car Insurance› 📄 Month-to-Month Insurance› 📄 Insurance After Accident› 📄 Electric Vehicle Insurance›

Bundle Home & Auto in Montana — FAQ

Who has the cheapest car insurance in Montana?

USAA offers the cheapest full coverage at $99/month in Montana. Rates vary by driver — call (888) 217-6781 for a personalized comparison.

How much is bundle home & auto in Montana?

Full coverage in Montana averages $149/month, liability-only averages $38/month. The cheapest option is USAA at $99/month. Compare multiple quotes for your best rate.

Can I get a free bundle home & auto quote in Montana?

Yes — call (888) 217-6781 for a free, no-obligation quote. We compare 5+ carriers in Montana to find your lowest rate in under 2 minutes.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Montana Commissioner of Securities and Insurance — official state insurance regulator for Montana.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Montana Motor Vehicle Division — Montana vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.