Helena Insurance Rates:

Helena, MT home insurance is roughly $662 to $897, about $55-$74/month. Our in depth guide shows customers can save upto $311 by comparing many quotes

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Research about Helena Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in Montana. Compare quotes & save.

Helena Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $690/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 1880 sqft Seasonal Residence Constructed In 2011 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $820/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Bath 3290 sqft Primary Residence Constructed In 2011 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Married Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $70/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 920 sqft Primary Residence Constructed In 2007 with Linoleum, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $530/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $630,000

5 Beds, 5 Baths 4820 sqft Vacation Property Constructed In 1985 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $560/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $380,000

5 Beds, 5 Baths 2980 sqft Seasonal Residence Constructed In 1940 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Deadbolt Locks, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $220/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Bath 1870 sqft Primary Residence Constructed In 1995 with Linoleum, Metal Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $820/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

2 Beds, 2 Bath 1510 sqft Primary Residence Constructed In 1982 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Home Insurance Rate of $1570/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $430,000

5 Beds, 5 Bath 4100 sqft Primary Residence Constructed In 1984 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $370/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Bath 1840 sqft Vacation Property Constructed In 2005 with Linoleum, Composition Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Indoor Sprinklers, Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $380/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

2 Beds, 2 Bath 1460 sqft Rental Property Constructed In 2010 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Helena, MT Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
59602 $219,000 $800
59601 $196,900 $780

Helena Rates & Quotes Analysis:

Helena Area Estimated House Insurance
E Lyndale Ave, Cowan Dr, Heritage Dr, Fox Vw Lp, Shilo Ln, Bear Creek Rd, N Howie St, Holter St, Jungers Ct, Barrett Rd$794
Peosta Ave, Gunn Rd, Valley Forge Rd, Festival Rd, Country Rd, Van Orsdel Rd, Alice St, N Hoback St, Aspen St, Tamarack St$779
Estate Rd, Cactus Flats Dr, Livingston Ave, Peosta Ave, Nancy Rd, Spokane Ranch Rd, Osprey Ridge Dr, Stadler Rd, Mendocino Dr, Tyler Rd$794
Castle Rock, Gilbert St, Cedar Valley Rd, Stable Rd, Minnesota Ave, S Davis St, B St, Chromium Ct, E 6th Ave, Golden St$782
S Hannaford St, US Hwy 12 W, Law Enforcement Academy Rd, Sharptail Dr, Matt Staff Rd, Bonanza Ct, Sundance Dr, N Davis St, Aiken Rd, Dairy Dr$777
Henry St, Red Letter St, Eastgate Dr, Viscaya Rd, Harrison Ave, Nicole St, Blaine Ln, Scratchgravel Dr, Shelly Rd, Vince's Ct$789
Black Alder Gulch, Idaho Ave, Garnet Dr, 9th Ave, McDonald Dr, Bandera Dr, Twin Pines Rd, 4th St, Dry Gulch Dr, Oro Fino Gulch$770
Toole Dr, Eldorado Ct, Olive St, Kurt Allen Ct, Cheyenne Rd, Lewis St, Ed Rose Rd, Stillwell Dr, Oxford Dr, Western Dr$781
Lode St, Aaron Dr, Bonanza Dr, Wheatgrass Rd, E 14th St, Prospector Gulch Rd, Gradestake St, Blue Grass Ln, N Cruse Ave, Chestnut St$779
N Beattie St, Blue Grouse Rd, Mikota Pl, N Fee St, Lavender Dr, Diamond Dr, Harvest Loop, Sweetgrass Rd, Jockey Dr, Shanda Ct$788

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,968 Homes (20% of total) built between 1970 to 1979 in Helena are paying home insurance between $1,263-$1,274 and differs from Montana City (+$55), Helena Valley Northeast (+$60), Helena Valley Northwest (+$10), Helena West Side (-$14) and East Helena (-$18).
  • Bedrooms: 9,338 3 bedrooms homes (38% of total homes ) in Helena are paying about $429 and varies from Helena West Side (+$3), South Hills (+$41), Montana City (+$19), East Helena (-$6) and Basin (-$15).
  • Auto Insurance Bundling: 5,508 Households (33% of all households) in Helena have 3 or more vehicles available and when it is bundled with home insurance you can save $194. Discounts for similar bundling in close by locations such as Helena West Side, South Hills, Helena Valley West Central come to $192, $213, $195 respectively.
  • Senior Discounts: 7,772 seniors (more than 55 years) occupied housing units (47% of total) in Helena get discounts between $116 to $119 compared to Helena West Side ($115), South Hills ($128), Helena Valley West Central ($117).
  • New Homes discounts: New homes such as the 9,061 homes built between 2000 to 2009 in Helena can save $155 and differs from Helena West Side ($154), South Hills ($170), Helena Valley West Central ($156).

Helena Homeowners insurance Facts

  • Helena, MT has 16,304 owner occupied houses which is 70.7% of all units whereas Helena West Side, South Hills and Helena Valley West Central have 85.14%, 94.33% and 86.34% respectively.
  • Helena, MT homeowners yearly insurance price at $779 is 0.39% of the typical house value of $197,300 which is in contrast with 0.46% in Helena West Side, 0.19% at South Hills & 0.38% in Helena Valley West Central.
  • Homeowners in Helena, MT pay 4.45% of their income ($15,000 to $19,999) in insurance whereas homeowners in Helena West Side, Helena Valley West Central and East Helena pay 4.4%, 4.47% and 4.39% respectively.
  • Helena, MT’s insurance is 4.8% of monthly housing costs of $1,347/month, for owners with a mortgage compared to 4.99% in Helena West Side, 3.2% at South Hills & 4.62% in Helena Valley West Central. But, for households without a mortgage, insurance is 15.9% of costs ($408 in Helena, MT) in contrast with 16.12% in Helena West Side, 15.37% at South Hills & 17.1% in Helena Valley West Central.

Helena, MT Home Values & Insurance rates

For example, insurance for 155 Homes (1.0% of total homes ) valued between $80,000 to $89,999 in Helena, MT is about $334. Rates in nearby areas in such as Helena Valley West Central, Clancy, Boulder are cheaper by $14, $86, $72 respectively while Basin and The Silos are costlier by $274 and $15 respectively for similar homes.

Helena, MT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,525 10.0% $93
$70,000 to $79,999 191 1.0% $296
$80,000 to $89,999 155 1.0% $334
$90,000 to $99,999 238 1.0% $373
$100,000 to $124,999 751 5.0% $428
$125,000 to $149,999 1,077 7.0% $537
$150,000 to $174,999 1,943 12.0% $638
$175,000 to $199,999 2,276 15.0% $740
$200,000 to $249,999 3,235 21.0% $888
$250,000 to $299,999 1,811 12.0% $1082
$300,000 to $399,999 1,567 10.0% $1378

Renters Insurance in Helena

  • Average Renters Insurance in Helena :  $179($14/month)

  • Median Gross Rent in Helena :  $691

  • Helena Renters Insurance to Median Rent Ratio:  2.03%

  • Average household size of renter-occupied unit :  1.9

Helena Renters Insurance as a Percentage of Rent

Helena Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 149 2.0% $344
$200 to $299 255 3.0% $794
$300 to $499 841 12.0% $1244
$500 to $749 2,532 39.0% $1919
$750 to $999 1,357 20.0% $2669
$1,000 to $1,499 981 15.0% $3794
$1,500 or more 360 5.0% $5444

Rent Affordability in Helena:

Approximately 39.0% (2,634) of households are spending more than 35% of their income on gross rent in Helena

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 771 11.0%
15.0 to 19.9 percent 934 13.0%
20.0 to 24.9 percent 1,091 16.0%
25.0 to 29.9 percent 778 11.0%
30.0 to 34.9 percent 542 8.0%
35.0 percent or more 2,634 39.0%

Helena Renters Insurance Discounts:

Helena Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Helena, MT Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,477 51.0% $17.9
2 vehicles available 1,722 25.0% $26.85
3 or more vehicles available 435 6.0% $35.8

Helena Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 470 6.0% $69
60 to 64 years 719 10.0% $55
65 to 74 years 410 6.0% $44
75 years and over 712 10.0% $34

Protective device discount in Helena Up to :  $26

Claims-free discount in Helena Up to :  $35