Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in Montana Average renters insurance cost in Montana Discover the average cost of renters insurance in Montana and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Updated on: January 16, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Montana, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $275 annually or $23 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Montana is $275 per year or $23 per month.State Farm provides the least expensive renters insurance in Montana at an average rate of $130 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Montana. Average renters insurance cost in Montana per monthIn Montana, the average monthly cost of renters insurance is $23. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$23$1 moreAverage renters insurance cost in Montana by companyState Farm offers the most affordable renters insurance in Montana at an average annual rate of $130, followed by Nationwide and Chubb Ltd, based on our data.However, you should get multiple quotes from various renters insurance companies in Montana because the prices vary greatly among carriers.Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Montana.CompanyAverage annual rateAverage monthly rateState Farm$130$11Nationwide$194$16Chubb Ltd$217$18Allstate$218$18Kemper Insurance$291$24Farmers$310$26Travelers$504$42USAA$263$22 Renters insurance calculator in Montana Select your state Montana Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $256/year Estimated renters insurance rates in Montana $21 Monthly renters insurance cost in Montana 4% Compared to national average Get quotes Average cost of renters insurance in Montana by coverage levelThe average annual cost of renters insurance in Montana is $275, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $194 a year for renters insurance in Montana. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in Montana for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$197$16$20,000 with $500 Deductible and $300,000 Liability$215$18$20,000 with $1,000 Deductible and $100,000 Liability$181$15$20,000 with $1,000 Deductible and $300,000 Liability$200$17$40,000 with $500 Deductible and $100,000 Liability$277$23$40,000 with $500 Deductible and $300,000 Liability$296$25$40,000 with $1,000 Deductible and $100,000 Liability$256$21$40,000 with $1,000 Deductible and $300,000 Liability$275$23$60,000 with $500 Deductible and $100,000 Liability$361$30$60,000 with $500 Deductible and $300,000 Liability$382$32$60,000 with $1,000 Deductible and $100,000 Liability$333$28$60,000 with $1,000 Deductible and $300,000 Liability$354$29Average cost of renters insurance in Montana by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Montana.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Montana by cityBillingsBozemanGreat FallsMissoulaAverage cost of renters insurance in Montana by ZIP codeRenters insurance costs in Montana vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in MontanaIn Montana, your ZIP code plays a major role in determining your premiums. Based on our data, 59831 is the most affordable ZIP code for renters insurance, with an average annual cost of $247.Comparing quotes from multiple insurers in Montana is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate59831Dixon$247$2159873Thompson Falls$248$2159844Heron$248$2159859Plains$249$2159821Arlee$249$2159874Trout Creek$249$2159853Noxon$250$2159866St. Regis$250$2159824Charlo$251$2159865St. Ignatius$251$21Least affordable ZIP codes for renters insurance in MontanaAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Montana is 59231, with an average cost of $311 a year or $26 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Montana. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate59231St. Marie$311$2659083Sumatra$311$2659054Melstone$311$2659319Capitol$311$2659084Teigen$310$2659026Edgar$310$2659013Boyd$310$2659835Grantsdale$306$2659273Vandalia$304$2559240Glentana$304$25Renters and auto bundle discounts in MontanaBundling your renters and auto insurance policies is one of the easiest ways to lower your Montana insurance rates.Bundling your policies can lead to an average annual savings of 5% in Montana. We found that Progressive provides the most affordable rates for a renters and auto insurance bundle, allowing you to save up to 5% on your premiums each year.CompanyAverage annual rate$ bundle average savings% bundle average savingsProgressive$1,013$505%State Farm$1,391$1359%Nationwide$1,467$503%Geico$2,278$703%Farmers$2,577$1937%Allstate$3,024$1896%Final thoughts: Average renters insurance in MontanaRenters insurance is essential for residents of Montana. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Montana Average homeowners insurance cost in Montana Average car insurance cost in Montana Non-owner car insurance in Montana Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Mobile home insurance cost and coverage in 2025 By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite How to switch home insurance By Leslie Kasperowicz Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel On this page Average renters insurance cost in Montana per monthAverage renters insurance cost in Montana by companyAverage cost of renters insurance in Montana by coverage levelAverage cost of renters insurance in Montana by cityAverage cost of renters insurance in Montana by ZIP codeRenters and auto bundle discounts in MontanaFinal thoughts: Average renters insurance in Montana ZIP Code Please enter valid ZIP See rates