Renters and home insurance rates in Montana
The NAIC's published average premiums for Montana by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $156
- average homeowners premium (HO-3), per year
- $1,639
- renter households
- 138,417
By county
By county
| Yellowstone County | 21,258 | $1,084 | $317,600 |
|---|---|---|---|
| Missoula County | 20,834 | $1,125 | $423,100 |
| Gallatin County | 19,251 | $1,574 | $604,900 |
| Flathead County | 11,309 | $1,094 | $467,700 |
| Cascade County | 10,419 | $902 | $243,300 |
| Lewis and Clark County | 9,292 | $1,062 | $358,200 |
| Silver Bow County | 4,529 | $810 | $223,500 |
| Ravalli County | 4,022 | $1,054 | $435,000 |
| Lake County | 3,190 | $884 | $369,200 |
| Park County | 2,509 | $927 | $429,700 |
| Hill County | 2,066 | $752 | $187,600 |
| Lincoln County | 1,859 | $810 | $258,700 |
| Fergus County | 1,767 | $868 | $202,700 |
| Custer County | 1,589 | $918 | $204,200 |
| Glacier County | 1,466 | $553 | $153,400 |
| Deer Lodge County | 1,392 | $661 | $209,700 |
| Richland County | 1,359 | $866 | $259,000 |
| Beaverhead County | 1,347 | $800 | $282,000 |
| Carbon County | 1,223 | $882 | $379,300 |
| Big Horn County | 1,172 | $686 | $148,200 |
| Sanders County | 1,092 | $774 | $323,800 |
| Rosebud County | 1,033 | $644 | $188,900 |
| Dawson County | 1,023 | $823 | $187,400 |
| Roosevelt County | 939 | $707 | $119,400 |
| Blaine County | 846 | $689 | $124,900 |
| Jefferson County | 825 | $886 | $408,000 |
| Chouteau County | 754 | $485 | $185,100 |
| Pondera County | 747 | $806 | $179,200 |
| Stillwater County | 744 | $968 | $355,600 |
| Powell County | 717 | $770 | $255,700 |
| Madison County | 717 | $1,159 | $440,500 |
| Valley County | 661 | $769 | $198,600 |
| Toole County | 646 | $753 | $187,400 |
| Teton County | 615 | $750 | $235,500 |
| Broadwater County | 515 | $978 | $364,800 |
| Phillips County | 445 | $623 | $175,000 |
| Mineral County | 420 | $746 | $313,600 |
| Musselshell County | 372 | $865 | $221,200 |
| Sweet Grass County | 357 | $1,073 | $295,500 |
| Fallon County | 346 | $772 | $237,000 |
| Sheridan County | 344 | $749 | $111,600 |
| Granite County | 324 | $734 | $339,500 |
| Liberty County | 245 | $668 | $116,800 |
| Carter County | 230 | $731 | $176,600 |
| Judith Basin County | 224 | $502 | $214,200 |
| Wheatland County | 206 | $741 | $172,700 |
| Powder River County | 160 | $609 | $149,400 |
| Meagher County | 158 | $871 | $244,400 |
| Daniels County | 140 | $588 | $177,800 |
| Treasure County | 128 | $992 | $215,300 |
| Prairie County | 123 | $827 | $167,100 |
| Garfield County | 121 | $802 | $178,300 |
| Wibaux County | 117 | $964 | $92,300 |
| McCone County | 114 | $543 | $197,400 |
| Golden Valley County | 70 | $769 | $203,900 |
| Petroleum County | 46 | $769 | $173,700 |
Download the Montana county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Montana was $156 in 2022, across 138,417 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Montana", updated 2026-08-17, https://homecoverhq.com/rates/montana/.