Getting renters insurance shouldn't be confusing. Compare Montana rates by city and insurance company below.
Renters insurance may be optional, but it's important. It helps to protect your belongings in the event your rental property sustains damage. A renters policy covers your belongings against fire, smoke damage, wind damage, theft or vandalism, and a number of other common misfortunes.
Unlike auto insurance, renters policies aren’t priced based on state-level laws. Even still, there are relatively large gaps in the price of renters insurance by state. Policy rates in states vary depending on the value and number of renters claims filed statewide, and also on the value of the belongings insured on the policy.Montana renters insurance is cheaper than the US average. The typical annual renters insurance rate in Montana is $155, $30 less expensive than the national average.
The best way to acquire an affordable renters insurance policy in Montana is to compare rates and consider policies from multiple insurance companies. Learn more about how much renters insurance costs in Montana by referencing the below data. Individual rates may vary depending on coverage options and the value of the items insured.
Renters insurance rates in Montana will vary depending on the insurance company you select. Safeco offers the most affordable renters insurance in Montana — just $73 annually. This compares favorably to the state mean cost of $155, providing a 53% price cut on the typical rates in the state.
Get a head start on looking for a renters policy by reviewing the best Montana companies, listed below.
| Carrier | Average 12-Month Rate in Montana |
| Safeco | $73.40 |
| State Farm | $115.00 |
| USAA | $123.82 |
| Travelers | $125.00 |
| Trinity Universal | $130.27 |
Not every city in Montana has equal renters insurance costs. Policy rates rely on on locally specific variables such as the number of local claims filed, meaning your specific ZIP code impact how much you pay.
The best renters insurance rates in Montana are available in Polson. In Polson, the typical renters insurance policy costs $147 each year — $8 less than the state average. The below table shows the best places to live in Montana if you’re looking for cheap renters insurance.
| City | Average Annual Renters Insurance Rate |
| Polson | $147 |
| Bozeman | $149 |
| Livingston | $150 |
| Whitefish | $151 |
| Columbia Falls | $151 |
If you want to save on insurance, consider purchasing both your renters and auto insurance policies from one company. A renters and car insurance bundle in Montana can lead to substantial savings on auto insurance. Bundling policies in Montana results in yearly savings of $67.
| Avg. Yearly Auto Insurance Rate (No Bundle) | Avg. Yearly Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,387.40 | $1,320.39 | $67.02 | 5% |
One of the best ways to save on auto insurance is bundling. Compare rates today!
Renters insurance is usually required by landlords, not the state, as there is no legal mandate in Montana that compels renters to carry renters insurance.
Renters insurance provides coverage to your home's contents, liability, additional living expenses, and medical payments to others. Depending on your needs, these options can be adjusted to best suit your living situation.