Insurance in Montana — independent agency licensed statewide

Geneva Insurance Group is licensed by the Montana Commissioner of Securities and Insurance to write business across all 56 Montana counties. We compare A-rated carriers for Montana drivers, homeowners, and businesses — from Billings, Missoula, Bozeman, and the Flathead through the rural eastern plains — tuned to the wildfire, severe winter, and rural-density realities Montana risk profiles demand.

Coverage options

Montana Auto Insurance

Montana requires 25/50/20 liability and 25/50 uninsured motorist. Wildlife collisions (deer and elk especially) are a major comprehensive-claim driver in Montana — we make sure comprehensive coverage is appropriately sized.

Montana Homeowners Insurance

Montana homes face wildfire risk in the western valleys (Missoula, Flathead, Ravalli, Lincoln counties), severe winter weather statewide, and hailstorms in the eastern plains. We size dwelling coverage to actual rebuild cost (rural Montana rebuild costs have risen sharply) and recommend appropriate wildfire and hail endorsements.

Montana Renters & Condo Insurance

Renters and condo policies in Montana typically run $10-$22/month. Required by most landlords in Bozeman, Missoula, and Billings.

Montana Commercial Insurance

Workers comp is mandatory in Montana for any business with one or more employees (with limited exceptions for sole proprietors and certain agricultural operations). We write GL, commercial property, professional liability, commercial auto, and BOPs for Montana businesses across construction, agriculture, hospitality, and outdoor recreation.

Montana Life & Health Insurance

Term life, whole life, and individual health insurance for Montana residents through CSI-licensed carriers. Marketplace and off-exchange plans both available.

Montana Umbrella Insurance

Personal umbrella for Montana households — typically $200-$450/year for $1M of coverage. Especially valuable for ranching households, hunting/recreation property owners, and households with teen drivers in rural areas.

Why clients choose Geneva Insurance Group

Licensed by the Montana CSI

Geneva is licensed by the Montana Commissioner of Securities and Insurance for personal and commercial lines statewide. We follow Montana-specific rules including the Title 33 insurance code.

Wildfire & Rural Carrier Appointments

Western Montana wildfire exposure changes carrier appetite year over year. We track which carriers are still writing where and which are non-renewing, and we have access to surplus lines markets for harder-to-place rural properties.

Service Area: All 56 Montana Counties

Yellowstone, Missoula, Gallatin, Flathead, Cascade, Lewis and Clark, Ravalli, and the rest. Fully-remote model means no driving across the state for in-person appointments — your quote happens by phone, email, or video.

Frequently asked questions

What is the minimum auto insurance required in Montana?

Montana requires 25/50/20 in liability coverage — $25,000 per person bodily injury, $50,000 per accident bodily injury, and $20,000 property damage. Montana also requires 25/50 uninsured motorist bodily injury coverage. Most independent agents recommend at least 100/300/100, particularly given the cost of newer vehicle repairs and the prevalence of long-distance rural driving.

Can I still get homeowners insurance in a Montana wildfire zone?

Yes, though carrier appetite has tightened in western Montana. Options include admitted carriers still writing in your specific zone, surplus lines markets for higher-risk or higher-value properties, and the Montana FAIR Plan as a last resort. Brush-clearance documentation, defensible-space photos, and modern roofing materials all improve eligibility and premium.

Is workers comp mandatory in Montana?

Yes, for any business with one or more employees, with limited exceptions for sole proprietors, partners, and certain agricultural operations. The Montana State Fund is the state-chartered insurer of last resort, but private carriers are also available. We help compare both paths.

Does Montana allow credit-based insurance scoring?

Yes, with restrictions. Montana allows credit-based insurance scoring but limits how much weight insurers can place on it relative to other factors. Improving credit lowers premiums at renewal, typically within 6-12 months.