Summit States Agency Group
Summit States Agency Group is a private managing insurance agency network and Farmers Union Insurance subsidiary, operating 55+ independent agents across 60+ locations in Montana and northern Idaho to sell personal, commercial, farm, ranch, crop, life, and health insurance on commission.
- Company typePrivate
- Founded1953
- HeadquartersGreat Falls, United States
- Headcount—
- GTM typeB2C
- OfferingServices
What Summit States Agency Group does
Summit States Agency Group is a private, Great Falls, Montana-based insurance agency network operating as a subsidiary of Farmers Union Insurance (FUMICO). Founded in 1953, the company functions as a managing general agency for a network of more than 55 independent-contractor insurance agents operating out of over 60 locations across Montana and northern Idaho. The agents sell a multi-line insurance portfolio spanning personal lines (auto, homeowners, renters, life and health), commercial lines (general liability, property, workers compensation, commercial auto, cyber liability), and agricultural lines (farm, ranch, crop, livestock, equine, multi-peril crop, and crop-hail).
The company's core offering is distribution, not proprietary technology: Summit States does not develop its own underwriting or policy-administration systems but instead provides its agents with carrier access (exclusively for Farmers Union Insurance and additionally across 20+ carrier partners including Progressive, Liberty Mutual, Travelers, Nationwide, Chubb, The Hartford, and several crop specialists), training, marketing support, and operational infrastructure. Agents manage their own books of business as independent contractors, and the company's economics are driven by commissions on policies written through these carrier relationships. Marketing is predominantly agent-led and community-rooted, supplemented by a content-driven website featuring Montana-specific seasonal insurance topics and an agent-locator directory. The underlying enterprise comprises 50+ wholly-owned branded subsidiary agencies, reflecting a long-running consolidation of local independent agencies across the region.
Summit States Agency Group firmographics
Firmographics- Name
- Summit States Agency Group
- Legal name
- Summit States Agency Group
- Website
- https://summitstates.com
- Company type
- Private
- Founded year
- 1953
- Operating status
- Operating
- Short description
- Summit States Agency Group is a private managing insurance agency network and Farmers Union Insurance subsidiary, operating 55+ independent agents across 60+ locations in Montana and northern Idaho to sell personal, commercial, farm, ranch, crop, life, and health insurance on commission.
- Ownership category
- akta.pro rank
Where Summit States Agency Group is headquartered
LocationHeadquarters
- HQ city
- Great Falls
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Summit States Agency Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales
Revenue model
- Insurance Agency Commissions: Summit States Agency Group and its network of independent agents earn commissions from insurance carriers for policies sold. Agents serve customers across multiple insurance lines (auto, home, farm, ranch, commercial, life, crop) and earn commission income on each policy written through their carrier partnerships.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Summit States Agency Group product offering
Product offeringCore offering
Summit States Agency Group is an independent insurance agency network that sells personal, commercial, farm, ranch, crop, life, and health insurance products through a network of more than 55 independent agent offices across 60+ locations in Montana and northern Idaho. Agents serve as the exclusive provider of Farmers Union Insurance products while also offering access to 20+ additional carrier partners, allowing them to shop multiple insurers on behalf of customers for the right combination of price and coverage.
Product overview
Summit States Agency Group is an independent insurance agency network offering a comprehensive portfolio of insurance products through a network of over 55 agents across 60+ locations in Montana and northern Idaho. The company serves as the exclusive provider of Farmers Union Insurance while also offering access to multiple carrier partners. Their core products include Auto Insurance, Homeowners Insurance, Life & Health Insurance, Commercial Insurance, Farm Insurance, Ranch Insurance, and Crop Insurance. They also provide specialty products such as ATV/UTV Insurance, Motorcycle Insurance, Renters Insurance, Umbrella Insurance, Workers Compensation, Bond Insurance, Landlord Insurance, Watercraft Insurance, Recreational Vehicles Insurance, Classic Car Insurance, and Cyber Liability Insurance. The product architecture is organized as a multi-carrier agency model where agents provide personalized advice and policy recommendations from a broad portfolio of insurance companies to meet individual customer needs.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Vehicle insurance coverage protecting against accidents, liability, collision, and comprehensive losses for personal automobiles, available through independent agents across Montana and northern Idaho.
- Homeowners Insurance Property insurance covering dwellings, personal belongings, and liability for homeowners against risks such as fire, theft, and weather damage, sourced from multiple carriers including the exclusive Farmers Union Insurance partnership.
- Life & Health Insurance Coverage options including term life, whole life, universal life, and health insurance to protect families and individuals, with Blue Cross Blue Shield of Montana as the health insurance carrier partner.
- Commercial Insurance Business insurance protecting commercial operations including general liability, property coverage, and commercial auto for small to large businesses in Montana and northern Idaho.
- Farm Insurance Specialized coverage for farms including buildings, equipment, livestock, and farm operations against property damage and liability, tailored to agricultural operations in Montana and northern Idaho.
- Ranch Insurance Coverage for ranch operations including ranch dwellings, fencing, equipment, and liability protection for livestock and land across Montana and northern Idaho.
- Crop Insurance Protection for agricultural crops against yield losses due to weather, disease, and other perils including multi-peril crop insurance (MPCI) and crop-hail coverage offered through specialty crop insurance carrier partners.
- ATV & UTV Insurance Off-road vehicle coverage for ATVs, UTVs, and side-by-sides including liability, collision, comprehensive, and equipment coverage.
- Motorcycle Insurance Coverage for motorcycles including liability, collision, and comprehensive protection for recreational riding.
- Renters Insurance Affordable coverage protecting renters' personal belongings, furniture, electronics, and providing liability coverage.
- Umbrella Insurance Additional liability coverage extending beyond standard policy limits to protect assets against major claims and lawsuits.
- Workers Compensation Insurance Coverage for employees injured or sickened on the job, covering medical expenses and lost wages, offered in partnership with Montana State Fund.
- Bond Insurance Surety bonds for contractors and businesses including contract bonds, commercial bonds, and court bonds, offered through CNA Surety.
- Livestock Insurance Coverage protecting livestock against death, theft, and accidents for cattle, horses, and other farm animals, offered through Agrisompo.
- Equine Insurance Specialized coverage for horses including mortality, major medical, and liability protection for equine operations.
- Landlord Insurance Property coverage for landlords protecting rental properties, liability, and loss of rental income.
- Watercraft Insurance Coverage for boats, yachts, and water vessels including liability and property protection.
- Recreational Vehicles Insurance Coverage for RVs, travel trailers, and motorhomes protecting against accidents and physical damage.
- Classic Car Insurance Specialized coverage for classic and collector vehicles through Hagerty, including agreed value protection.
- Cyber Liability Insurance Protection for businesses against cyberattacks, data breaches, and digital liability exposures.
Companies that use Summit States Agency Group
Customer profileSegments5 records
Ideal customer profiles3 records
Summit States Agency Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Summit States Agency Group partnerships and signals
Strategic signalPartnerships
21 partnerships are on record, tiered core and minor.
- Farmers Union InsurancecoreSummit States Agency Group agents are the exclusive provider of Farmers Union Insurance products in their territories. This is the company's flagship and primary carrier partnership, positioning agents as exclusive Farmers Union agents while also offering access to additional carrier partners.
- AgrisompominorInsurance carrier partner offering livestock insurance products.
- Blue Cross Blue Shield of MontanaminorHealth insurance carrier partner for life and health insurance products.
- ChubbminorProperty and casualty insurance carrier partner.
- CNA SuretyminorSurety bond insurance carrier partner.
- Farmers Mutual HailminorCrop insurance partner specializing in hail coverage for agricultural operations.
- ForemostminorInsurance carrier partner offering various property and casualty products.
- Great American InsuranceminorProperty and casualty insurance carrier partner.
- HagertyminorClassic car insurance specialist partner, providing coverage for collectors and classic vehicle enthusiasts.
- The HartfordminorProperty and casualty insurance carrier partner.
- Liberty MutualminorProperty and casualty insurance carrier partner.
- Main Street AmericaminorInsurance carrier partner offering products for small businesses and Main Street operations.
- Montana State FundminorMontana-based workers compensation insurance carrier.
- National Farmers UnionminorAgricultural-focused insurance organization partner.
- NationwideminorProperty and casualty insurance carrier partner.
- NAU CountryminorCrop insurance specialist partner.
- ProgressiveminorAuto insurance carrier partner.
- Rain and HailminorCrop insurance partner specializing in hail and weather-related crop coverage.
- RCISminorCrop insurance specialist partner.
- SafeCominorProperty and casualty insurance carrier partner.
- TravelersminorProperty and casualty insurance carrier partner.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
Summit States Agency Group competitors and assessment
Company assessmentDirect peers
- Acuity Insurance: Mid-sized mutual insurer distributed through independent agents focused on commercial and personal lines in the Midwest and select Western states. Comparable to Summit States on independent-agent distribution and multi-line offerings.
- COUNTRY Financial: Mid-sized mutual insurer operating through a captive financial representative (agent) network across rural and small-town Midwest and Pacific Northwest markets. Closely comparable to Summit States on multi-line, agent-led, rural America positioning.
- State Farm: Largest U.S. personal lines insurer using a captive exclusive agent distribution model with multi-line P&C and life products. Highly comparable to Summit States' agent-led, multi-line, multi-state distribution architecture, although State Farm is significantly larger and operates with its own proprietary products nationally.
- Auto-Owners Insurance: Mutual insurer distributing exclusively through independent agents across the Midwest, Southeast, and parts of the West. Highly comparable to Summit States on independent-agent distribution and multi-line P&C and life product mix.
- Shelter Insurance: Mutual insurer distributing P&C and life products through captive agents across 14 Midwestern and Southern states. Comparable to Summit States on agent-driven multi-line model and regional concentration, though Shelter is geographically larger and more diversified.
- Erie Insurance: Regional mutual insurer selling exclusively through independent/captive agents across the Northeast, Mid-Atlantic, and expanding Midwest. Comparable to Summit States on agent-led multi-line distribution, regional focus, and mutual-like stability, though larger in scale.
- Farm Bureau Financial Group: Multi-line mutual insurer owned by state Farm Bureaus, distributing through captive agents in agricultural and rural communities. Directly comparable to Summit States on agricultural market focus, multi-line P&C and life product mix, and exclusive state-territory distribution model.
- Allstate: National carrier distributing through a captive agent network alongside direct/Esurance channels. Comparable to Summit States in agent-driven multi-line distribution, though at far greater scale and with proprietary product lines.
Broad incumbents
- American Family Insurance: National mutual insurer using a captive exclusive agent network to distribute multi-line P&C and life products across the Midwest, Mountain West, and select Western states including Montana. Comparable to Summit States in agent-led distribution and rural market focus but operates at substantially larger scale with proprietary products.
Regional players
- Mountain West Farm Bureau: Montana and Wyoming state Farm Bureau insurance affiliate distributing through captive agents in the same geographic territory as Summit States. Direct head-to-head regional competitor on agricultural and personal lines within Summit's home market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Summit States Agency Group social profiles
Digital presenceSummit States Agency Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Summit States Agency Group leadership team
Management profileNumber of profiles
Summit States Agency Group subsidiaries and ownership
Company hierarchySubsidiaries51 records
Summit States Agency Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Summit States Agency Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Summit States Agency Group
What does Summit States Agency Group do?
Summit States Agency Group is an independent insurance agency network that sells personal, commercial, farm, ranch, crop, life, and health insurance products through a network of more than 55 independent agent offices across 60+ locations in Montana and northern Idaho. Agents serve as the exclusive provider of Farmers Union Insurance products while also offering access to 20+ additional carrier partners, allowing them to shop multiple insurers on behalf of customers for the right combination of price and coverage.
Is Summit States Agency Group a public or private company?
Summit States Agency Group is a private company. It is classified as corporate owned and is currently operating.
When was Summit States Agency Group founded?
Summit States Agency Group was founded in 1953.
Where is Summit States Agency Group based?
Summit States Agency Group is headquartered in Great Falls, United States, in the North America region.
How does Summit States Agency Group make money?
One revenue line is on record: insurance Agency Commissions.
Who are Summit States Agency Group's main competitors?
Direct peers on record are Acuity Insurance, COUNTRY Financial, State Farm, Auto-Owners Insurance, Shelter Insurance, Erie Insurance, Farm Bureau Financial Group and Allstate. American Family Insurance is listed as a broad incumbent. Mountain West Farm Bureau is listed as a regional player.
Does Summit States Agency Group have an API?
No public API is recorded for Summit States Agency Group.