Home 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 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. Renters insurance costs in Montana vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Montana pay $275 per year or $23 per month for a policy that includes $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 monthThe average cost of renters insurance in Montana is $23 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$23$1 morePowered by:Average renters insurance cost in Montana by companyAccording to our data, State Farm provides the most affordable renters insurance in Montana, with an average annual rate of $130, followed by Nationwide and Chubb Ltd.Getting quotes from multiple renters insurance companies in Montana is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in 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*USAA is only available to military community members and their families.Powered by: 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 levelOn average, Montana renters pay $275 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Montana to $200 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are 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$29Powered by:Average cost of renters insurance in Montana by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Montana.Renters insurance rates in Montana by citySee rates in your cityBozemanGreat FallsMissoulaAverage cost of renters insurance in Montana by ZIP codeIn Montana, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.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$21Powered by:Least affordable ZIP codes for renters insurance in Montana59231 is the most expensive ZIP code for renters insurance in Montana, at an average cost of $311 annually or $26 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Montana. The table below shows the average annual renters insurance rates 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$25Powered by: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.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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/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 states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in MontanaBest and cheapest homeowners insurance companies in MontanaCost of Living in Montana in 2025How much does condo insurance cost in Montana in 2025? 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Most Americans don’t 1/1 Related Articles How much do claims increase home insurance rates? By Les Masterson Mobile home insurance cost and coverage in 2026 By Chris Kissell Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel Homeowners insurance rates by state By Jake Safane How to switch home insurance By Leslie Kasperowicz What is dwelling coverage and how much do you need? By Lena Borrelli 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 codeFinal thoughts: Average renters insurance in Montana ZIP Code Please enter valid ZIP See rates (844) 761-9316