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Counties With the Cheapest Homeowners Insurance in Montana (2026)

Deer Lodge has the lowest homeowners insurance of any county in Montana, at $1,732, followed by Toole and Silver Bow. Source: Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024. The full ranking of the top 25 counties is below.

Data updated 2024 - Source: Keys-Mulder escrow dataset (NBER WP 32579)

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Cheapest counties for homeowners insurance in Montana

Top 25 of 56 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Montana
RankCountyValue
1Deer Lodge$1,732
2Toole$1,858
3Silver Bow$1,908
4Pondera$1,949
5Flathead$1,966
6Blaine$2,032
7Powell$2,034
8Beaverhead$2,050
9Fergus$2,162
10Sanders$2,177
11Lincoln$2,183
12Cascade$2,196
13Lake$2,200
14Teton$2,212
15Missoula$2,232
16Granite$2,235
17Chouteau$2,242
18Glacier$2,249
19Hill$2,258
20Big Horn$2,281
21Phillips$2,311
22Dawson$2,320
23Ravalli$2,370
24Sweet Grass$2,371
25Mineral$2,391

How this ranking works

This page ranks Montana counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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