Missoula Insurance Rates:

Missoula, MT home insurance is nearly $671 to $910, about $55-$75/month. Our comprehensive guide shows customers can save as much as $316 by getting many quotes

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Missoula Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $330/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Bath 2020 sqft Primary Residence Constructed In 1949 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Single Male who is Unemployed and has 1 Pet and is a Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $1670/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $530,000

5 Beds, 5 Baths 3500 sqft Primary Residence Constructed In 2007 with Stone Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Male who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $380/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

3 Beds, 3 Baths 1790 sqft Rental Property Constructed In 2014 with Stone Flooring, Composition Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $230/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Bath 1330 sqft Seasonal Residence Constructed In 2001 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $810/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $445,000

4 Beds, 4 Baths 3070 sqft Rental Property Constructed In 2007 with Wood Flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Single Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% 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 : $365,000

4 Beds, 4 Bath 2500 sqft Rental Property Constructed In 1945 with Linoleum, Membrane Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $520/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

2 Beds, 2 Bath 1430 sqft Vacation Property Constructed In 1949 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $220/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Bath 1990 sqft Primary Residence Constructed In 2010 with Stone Flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

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

  • 700-749 Credit Score

  • Guests at home

Missoula, MT Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
59804 $274,300 $810
59803 $268,700 $810
59801 $233,100 $800
59802 $219,900 $790
59808 $203,700 $780

Missoula Rates & Quotes Analysis:

Missoula Area Estimated House Insurance
Ivy St, Maritsa Ct, Half Acre Loop, Compost Rd, Geary Ln, Kendall Creek Rd, Washburn St, Hawk Ln, Kemp St, Cottonwood St$795
International Way, Josephine Ave, Bridge Court Way, Timber Edge Dr, Royal Pines Ct, Starr Dr, N Pattee St, S Garfield St, Mikes Way, South Ave W$774
N Reserve St, Wilke St, Dukes Ave, Hummingbird Dr, Bluebird Dr, William St, Westview Dr, Buckhorn Ln, Zaugg Dr, Alex Ln$782
Elk Hills Ct, Lower Woodchuck Rd, Wise River Rd, Birdie Ct, Cowart Ln, Majestic Dr, Rock Creek Rd, Anaconda Ave, S Orange St, Golden Hill Ct$789
Neighbor Way, Industrial Rd, Old Van Buren St, Raymond Ct, W Main St, Peregrine Ct, S Washburn St, Laurin Ct, Ponderosa Dr, Redwood St$807
Jolinda Ct, Crestview Ln, Willowwood Ct, Terrace Way, Marias St, Sage Hen Ct, Eldora Ln, Pine Grove Ln, Kendrick Pl, Aspen Dr$808
Trout Ln, E Pine St, Southridge Dr, City Dr, Colorado Gulch Dr, Colony Ct, Anglers Bend Way, N Van Buren St, Murray St, Garland Ct$816
Southpointe Dr, Parsons Dr, N California St, Woodland Ave, Harriet St, Bonita Ranger Station Rd, Briar St, Lamoreux Ln, Cherry St, Bonner Ave$808
Braaten Pl, 55th St, Lochsa Ln, Clark St, Arrowhead Dr, Parkside Ln, Eagle Nest, Timothy Ct, New Meadows Dr, Poplar St$813
River St, Staple St, Rankin Rd, 57th St, Strand Ave, Sentinel St, Saint Andrews Way W, Riata Rd, Fas 263, Mockingbird Way$800

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,888 Homes (15% of total homes ) built between 1990 to 1999 in Missoula are paying home insurance between $1,139-$1,151. Places close to Missoula, MT such as Turah, Orchard Homes, Carlton are more expensive by $45, $11, $22 respectively while Bonner-West Riverside and East Missoula are cheaper by $46 and $20 respectively for similar homes.
  • Bedrooms: 5,218 4 bedrooms homes (14% of total homes ) in Missoula are paying about $719 compared to Turah (+$29), Orchard Homes (+$7), Carlton (+$6), Bonner-West Riverside (-$21) and East Missoula (-$12).
  • Auto Insurance Bundling: 5,202 Households (27% of all households) in Missoula have 3 or more vehicles available and when it is bundled with home insurance you can save $197 and differs from Piltzville ($197), Turah ($205), Bonner-West Riverside ($189).
  • Senior Discounts: 8,997 seniors (more than 55 years) occupied housing units (46% of total) in Missoula get discounts between $118 to $120 and varies from Piltzville ($118), Turah ($123), Bonner-West Riverside ($113).
  • New Homes discounts: New homes such as the 16,195 homes built between 2000 to 2009 in Missoula can save $158 and differs from Piltzville ($158), Turah ($164), Bonner-West Riverside ($151).

Missoula Homeowners insurance Facts

  • Missoula, MT has 19,235 owner occupied houses which is 54.2% of all units whereas Missoula, Turah and Bonner-West Riverside have 54.18%, 61.44% and 61.76% respectively.
  • Missoula, MT homeowners yearly insurance price at $790 is 0.34% of the typical house value of $234,500 which is in contrast with 0.34% in Missoula, 0.25% at Turah & 0.6% in Bonner-West Riverside.
  • Homeowners in Missoula, MT pay 2.43% of their income ($30,000 to $34,999) in insurance whereas homeowners in Missoula, Turah and Bonner-West Riverside pay 2.43%, 2.53% and 2.33% respectively.
  • Missoula, MT’s insurance is 4.4% of monthly housing costs of $1,486/month, for owners with a mortgage compared to 4.43% in Missoula, 3.61% at Turah & 6.32% in Bonner-West Riverside. But, for households without a mortgage, insurance is 14.7% of costs ($448 in Missoula, MT) in contrast with 14.69% in Missoula, 12.65% at Turah & 18.36% in Bonner-West Riverside.

Missoula, MT Home Values & Insurance rates

For example, insurance for 1,434 Homes (8.0% of total homes ) valued between $150,000 to $174,999 in Missoula, MT is about $545. Rates in nearby areas in such as Orchard Homes, Missoula County, Carlton are cheaper by $43, $7, $87 respectively while Bonner-West Riverside and East Missoula are costlier by $425 and $130 respectively for similar homes.

Missoula, MT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,941 11.0% $79
$70,000 to $79,999 182 1.0% $244
$100,000 to $124,999 315 1.0% $363
$125,000 to $149,999 769 4.0% $458
$150,000 to $174,999 1,434 8.0% $545
$175,000 to $199,999 2,079 12.0% $624
$200,000 to $249,999 3,629 21.0% $758
$250,000 to $299,999 2,994 17.0% $924
$300,000 to $399,999 3,037 18.0% $1177

Renters Insurance in Missoula

  • Average Renters Insurance in Missoula :  $159($13/month)

  • Median Gross Rent in Missoula :  $723

  • Missoula Renters Insurance to Median Rent Ratio:  1.8%

  • Renter occupied housing units in Missoula :  16,267

Missoula Renters Insurance as a Percentage of Rent

Missoula Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 260 1.0% $339
$200 to $299 433 2.0% $789
$300 to $499 1,473 9.0% $1239
$500 to $749 6,542 41.0% $1914
$750 to $999 4,221 26.0% $2664
$1,000 to $1,499 2,299 14.0% $3789
$1,500 or more 559 3.0% $5439

Protective device discount in Missoula Up to :  $23

Claims-free discount in Missoula Up to :  $31