This 2025 Montana Annual P&C Marketplace Summary provides you with data and insights on the following important aspects of the Montana P&C marketplace:

• Premiums for all 32 P&C Lines of Business
• The Top 10 Lines of Business for Independent Agents
• Loss and Combined Ratios
• Premium Change Rates
• Penetration Rate of Independent Agents
• Commission Rates
• Surplus Lines
• Premium Taxes
• Largest/Highest and Smallest/Lowest states, and U.S. Average
• Line of Business In-Depth Details on the Lines of Business focused on by Independent Agents

To enhance your understanding, this Summary includes five Appendices: Distribution Style Classification, NAIC Line of Business Definitions, Lines of Business—Visual Reference and Abbreviations of Key Terms, a Montana All Active Insurers List, and Montana Fastest Growing Insurers. This last appendix is new and allows you to see premium growth for the fastest growing insurers.​