Montana Renters Insurance

Getting renters insurance shouldn't be confusing. Compare Montana rates by city and insurance company below.

How to find cheap renters insurance in Montana

Renters insurance is a great — and cheap! — way to ensure your personal belongings are insured against common incidents. A renters insurance policy defends household items from fire, smoke damage, a wind storm, theft, vandalism and an array of other events.

Unlike auto insurance, renters policies aren’t priced based on state laws. Even so, there are relatively large variations in the cost of renters insurance by state. Renters insurance prices in states differ depending on the number and cost renters insurance claims filed in the state, and depend on the value of the belongings insured on the policy.

Montana renters insurance is cheaper than the nationwide average. The average annual cost of renters insurance in Montana is $155, $30 less expensive than the national average.

The easiest way to acquire a cheap renters insurance policy in Montana is to compare rates and consider policies from as many insurance companies as you can. Learn more about typical renters insurance rates in Montana via the below breakdown. Remember: your rates will vary, depending on your coverage limits and the valuation of your belongings.

Montana renters insurance:

  1. By insurance company
  2. Rates by city
  3. Insurance bundling discounts
  4. Frequently asked questions

Renters insurance prices in Montana by insurance company

Renters insurance prices in Montana can vary depending on the insurer you select. Safeco offers the most affordable renters insurance in Montana — $73 per year. This compares favorably to the state average cost of $155, providing a 53% price break on the typical rates in the state.

Start shopping for cheap renters insurance by reviewing the best Montana insurance companies, detailed below.

InsurerAverage Annual Rate in Montana
State Farm$115
Trinity Universal$130

Montana renters insurance prices by city

Renters insurance rates in Montana vary by city. Policy rates rely on on city-specific variables, such as the number of claims filed in the immediate area, meaning your ZIP code could have a major impact on how much you pay.

The cheapest renters insurance rates in Montana are in Polson. A typical renters insurance term in Polson costs just $147 each year — $8 less than the state average. Reference the below table to see the cheapest cities in Montana for renters insurance.

CityAverage 12-Month Renters Insurance Rate
Columbia Falls$151

Montana renters insurance pricing by coverage tier

Your renters insurance rates will vary depending on your coverage levels. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Montana, the average annual cost difference between these tiers is approximately $55. If you can afford the up-front expense, it's worth considering.

Coverage LevelAverage Yearly Renters Insurance Rate in Montana
$25K Property$127
$50K Property$182

How to bundle renters and auto insurance in Montana

If you're trying to save, consider purchasing your renters and car insurance policies from the same company. Bundling auto and renters insurance in Montana can save you a substantial sum each month on auto insurance. In fact, bundling policies in Montana may earn you yearly savings of $67.

Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

A great way to save is to bundle your renters and auto insurance policies. Find a policy today!

Montana renters insurance FAQs

Does Montana require renters insurance?

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.

What does renters insurance cover in Montana?

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.

Need renters insurance? Talk to an expert today.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET,, and Kin Insurance.