How Much Does Renters Insurance Cost in Billings, MT?
Billings pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Billings's diversified economy.See our methodology
Renters Insurance Pricing in Billings, MT
Billings offers near-average pricing for renters insurance, making it a reasonable market for this service. The local diversified economy supports a balanced labor pool, and the city's 115K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in renters insurance costs here. High altitude affects HVAC efficiency; dry climate and intense UV degrade exterior surfaces.
Market-specific factors matter in Billings: rapid population growth in many mountain cities has tightened contractor availability.
Billings has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Billings vs National Average
What Affects Renters Insurance Cost in Billings?
Coverage
$20K personal property: $12-$20/mo. $50K: $18-$30/mo. $100K: $25-$45/mo
Location
Low-crime area: $10-$20/mo. High-crime urban: $20-$40/mo
Billings Market Conditions
rapid population growth in many mountain cities has tightened contractor availability
Local Climate Impact
high altitude affects HVAC efficiency; dry climate and intense UV degrade exterior surfaces
📐 Renters Insurance in Billings Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Renters Insurance Pros in Billings, MT
7 providersApex Property Services
✅ VERIFIEDFirst Choice Plumbing
✅ VERIFIEDHeritage HVAC Solutions
✅ VERIFIEDAre You a Renters Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for renters insurance in Billings, MT.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Renters Insurance in Billings
- 1.Bundle with auto insurance for 10-20% discount
- 2.Raise your deductible to $1,000 to lower premiums
- 3.Most people overestimate coverage needs — inventory your belongings first
- 4.Security features (deadbolts, alarms) can earn discounts
📈 Renters Insurance in Billings Cost Trends (2020–2024)
Prices have increased +21.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $14 | — |
| 2021 | $15 | +7.1% |
| 2022 | $16 | +6.7% |
| 2023 | $16 | +0.0% |
| 2024 | $17 | +6.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Billings
Recent Reports
Frequently Asked Questions
Is renters insurance worth it?
At $15-25/month, it's one of the best insurance values. A single theft or fire could cost thousands to replace your belongings.
Why does renters insurance cost different in Billings than other cities?
Billings's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
Related Cost Guides for Billings
Popular Services in Billings
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.