Insurance Agents License in Montana

Montana licenses insurance professionals as Insurance Producers through the Montana Commissioner of Securities and Insurance (CSI), which also serves as the State Auditor's office. Montana's insurance market is shaped by its vast rural geography, agricultural economy, and outdoor recreation industry. The state's exposure to wildfires has increased dramatically in recent years, creating significant challenges and opportunities in the Property and Casualty market. Montana ranching and farming operations require specialized agricultural insurance products including livestock, crop, and farm equipment coverage. Pre-licensing education requires approximately 40 hours per major line of authority. Montana's small population means the market is less competitive than more densely populated states, but agents must be prepared to serve geographically dispersed clients. Criminal background checks are required. Continuing education is 24 hours biennially, including 3 hours of ethics. Montana participates in NIPR for non-resident licensing. Billings, Missoula, and Great Falls are the primary insurance industry centers in the state.