Montana Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $505,600 Montana home costs about $1,482, and the lender's policy issued with it about $75, under the filed rate schedule. The owner's policy rate is a flat $181 up to $15,000, $5.25 per $1,000 from $15,000 to $30,000, $5 per $1,000 from $30,000 to $50,000, $4.25 per $1,000 from $50,000 to $100,000, $2.39 per $1,000 from $100,000 to $300,000, $2.10 per $1,000 from $300,000 to $1,000,000, $1.75 per $1,000 from $1,000,000 to $5,000,000, $1.50 per $1,000 from $5,000,000 to $10,000,000, $1.25 per $1,000 above $10,000,000, with a minimum premium of $181 (the price is rounded up to the next $1,000).
Montana title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $691 | $75 | $766 |
| $200,000 | $811 | $75 | $886 |
| $250,000 | $930 | $75 | $1,005 |
| $300,000 | $1,050 | $75 | $1,125 |
| $350,000 | $1,155 | $75 | $1,230 |
| $400,000 | $1,260 | $75 | $1,335 |
| $450,000 | $1,365 | $75 | $1,440 |
| $500,000 | $1,470 | $75 | $1,545 |
| $600,000 | $1,680 | $75 | $1,755 |
| $700,000 | $1,890 | $75 | $1,965 |
| $800,000 | $2,100 | $75 | $2,175 |
| $1,000,000 | $2,520 | $75 | $2,595 |
Montana uses filed rates: underwriters file their rate manuals with the state insurance department, and the filed schedule below is what a policy costs; competing underwriters file similar or identical schedules. Schedule shown: WFG National Title Insurance Company.
Montana title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Montana rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Montana is negotiable in the purchase contract. Montana has no statute assigning the owner's-policy cost; the manual sets premiums only, not who pays, so this is set by local custom and the purchase contract. Source
When the owner's and lender's policies are issued together at closing, the lender's policy is charged at the reduced simultaneous-issue rate (a flat $75); that is the lender figure used on this page.
Title insurance at the county median price
The rate schedule is statewide; what changes from county to county is the home price. The ten most populous counties are shown; every Montana county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Cascade County | $243,300 | $916 |
| Flathead County | $467,700 | $1,403 |
| Gallatin County | $604,900 | $1,690 |
| Lake County | $369,200 | $1,197 |
| Lewis and Clark County | $358,200 | $1,174 |
| Lincoln County | $258,700 | $952 |
| Missoula County | $423,100 | $1,310 |
| Ravalli County | $435,000 | $1,333 |
| Silver Bow County | $223,500 | $868 |
| Yellowstone County | $317,600 | $1,088 |
All 56 Montana counties
- Beaverhead County
- Big Horn County
- Blaine County
- Broadwater County
- Carbon County
- Carter County
- Cascade County
- Chouteau County
- Custer County
- Daniels County
- Dawson County
- Deer Lodge County
- Fallon County
- Fergus County
- Flathead County
- Gallatin County
- Garfield County
- Glacier County
- Golden Valley County
- Granite County
- Hill County
- Jefferson County
- Judith Basin County
- Lake County
- Lewis and Clark County
- Liberty County
- Lincoln County
- Madison County
- McCone County
- Meagher County
- Mineral County
- Missoula County
- Musselshell County
- Park County
- Petroleum County
- Phillips County
- Pondera County
- Powder River County
- Powell County
- Prairie County
- Ravalli County
- Richland County
- Roosevelt County
- Rosebud County
- Sanders County
- Sheridan County
- Silver Bow County
- Stillwater County
- Sweet Grass County
- Teton County
- Toole County
- Treasure County
- Valley County
- Wheatland County
- Wibaux County
- Yellowstone County
Title insurance in Montana cities
| City | Median home price | Owner's policy |
|---|---|---|
| Billings | $311,800 | $1,075 |
| Missoula | $427,400 | $1,319 |
| Great Falls | $237,400 | $902 |
| Bozeman | $614,900 | $1,711 |
What the two policies cover
The owner's policy protects your equity against title defects that predate your purchase: undisclosed liens, forged deeds, missing heirs, recording errors. The lender's policy protects only the mortgage lender for the loan amount and is required by nearly every lender. Premiums are one-time and paid at closing. Because underwriters file competing rates, getting two quotes at your purchase price is worth a few hundred dollars.
Frequently asked questions
How much is title insurance in Montana?
On a $505,600 home, the Montana median, an owner's title policy costs about $1,482 under the filed rate schedule, and the lender's policy issued with it costs $75, so both policies together are about $1,557. The premium rises with the purchase price; the table on this page shows it from $150,000 to $1,000,000.
Who pays for title insurance in Montana?
Who pays for the owner's policy in Montana is negotiable in the purchase contract. Montana has no statute assigning the owner's-policy cost; the manual sets premiums only, not who pays, so this is set by local custom and the purchase contract. Source
Is title insurance a one-time cost?
Yes. Both the owner's policy and the lender's policy are paid once at closing and cover the property for as long as you (or your lender) hold an interest in it. There are no annual premiums.
Can I shop for title insurance in Montana?
Yes. Montana underwriters file their own rate manuals, so premiums differ by company; ask two or three title companies for a quote at your price and compare their settlement fees as well.
Sources
- WFG National Title Insurance Company, State of Montana Manual of Title Insurance Premiums, effective December 1, 2022 (filed with the Montana Commissioner of Securities and Insurance under MCA 33-25-212)
- Who pays for the owner's policy in Montana
Rates as filed or promulgated, checked September 22, 2026. Premiums are computed from the schedule above and rounded to the dollar; endorsements, settlement fees and search fees are separate. All sources.
See all Montana buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar; your title company's quote may add endorsements, search and settlement fees. This is general information, not financial advice.
Title insurance in every state