Renters Insurance in Montana — Average Cost 2026
Average renters insurance in Montana: $235/year ($20/month). Montana ranks #16 out of 51 states — below the national average.
Average annual
$235
Average monthly
$20
National rank
#16
of 51 states
vs national avg
-10.6%
Montana vs national average
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Renters insurance in Montana: wildfire considerations
Renters in Montana pay around $20/month, 11% below the national average. Wildfire exposure in parts of Montana can affect availability and pricing even for renters policies, since insurers price personal property coverage based on regional risk, not just building ownership.
A standard policy still covers smoke and fire damage to your belongings along with $100,000 in personal liability, and additional living expenses if you're temporarily displaced. If you're in a high-risk zone, confirm your policy explicitly covers wildfire before you need to file a claim.