INSURANCE AGENCY serving Missouri, Illinois, and the Midwest.

We Find You the Absolute Best Insurance Rates

Golden Rule Insurance offers the combination of ease, choice and expert advice that makes insurance shopping easy for you. We prioritize your needs and commit to doing what is necessary to find and eliminate gaps in your policy.


Get peace of mind with the best insurance rates and most comprehensive coverage for a competitive price.

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An Independent Insurance Agent That Looks Out for YOUR Best Interest

We Save You Thousands Even After You Become Our Client


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Years in Business

How Much We've Already Saved Our Renewing Clients in 2023


Golden Rule Insurance is one of the fastest-growing independent insurance agencies in Southern Missouri. We leverage our market knowledge and connection with some of the most competitive, A.M. Best top-rated insurance carriers to help you find the best value for your insurance dollar.

As your independent agent insurance partner, we care about you, your well-being and best interests. Whether you're looking to update your auto insurance policy coverage, change home insurance carriers or buy life insurance for the first time, we can help you find the right mix of price, coverage and service that matches your specific needs.

Through our automatic reshopping process , we find our current clients the best insurance rates even when you don't request it. You do the saving while our independent agent insurance representatives shop insurance rates within your budget. Find the best insurance rates with help from an independent agent insurance firm that genuinely cares about you.

This would need to link to the new About Us page that further explains their reshopping process for current clients.

Get Expert Advice

We are an SIAA Insurance Agency

Golden Rule Insurance a proud member of the Strategic Insurance Agency Alliance (SIAA), the nation's largest alliance of independent insurance agents. Because we are under the SIAA umbrella, we do not have stringent quotas with all the companies. That is why we are able to represent different insurance providers and always find you the best rates.

Our Specialty:

Auto Insurance

Home Insurance

Life Insurance

Farming/Agriculture Insurance

Business Insurance

Equine Insurance

Boat & ATV Insurance

Renters Insurance


Searching for a specific type of farming or AG insurance? Whether you operate a family or commercial ranch, our Golden Rule Insurance team can help you determine the type of AG insurance coverage that meets your needs.

The Golden Rule Advantage

At Golden Rule Insurance, we understand the challenges of living in your locale. Our team analyzes your location information to assess risks and determine your best insurance option. We work smartly to find you coverage more efficiently than you would on your own.


Our independent insurance agent company is endorsed by Dave Ramsey, one of America's trusted sources for financial advice. As an Endorsed Local Provider (ELP), we hold ourselves to high standards of excellence. When you let us shop insurance rates for you, you can rest assured you're getting top-notch advice from licensed and esteemed Dave Ramsey ELP insurance professionals.


We can write insurance almost anywhere in the country. And most of the time, we help you save money AND find you better insurance coverage. If you're better off staying where you are, we will tell you.

Access to multiple companies and a wide rage of products

Easy switching from company to company without hassle.

Unbiased and objective advice

Claim assistance and advocacy

Policy service from the same person you bought from.

Easy Purchase Process

Protect your family, business and financial well-being in 3 simple steps:

Request an Insurance Quote/Policy Review

Looking to change your home insurance provider or buy insurance for the first time? Fill out our contact form and one of our representatives will assess your situation to find you the best insurance rates.

Get Advice From a Licensed Agent

We help you assess your options and determine which type of life, auto, home or farming insurance best fits your needs. Our team takes the time to educate you about insurance so you can make informed decisions.

Find the Best Insurance Plan for You

We make choosing an insurance plan less complicated. From the pricing and coverage to the unique features of the policy, we review everything for you. In this way, we ensure you get the best possible value for your money.

Get The Best Policy for My Situation

Join Our Hundreds of Satisfied Shoppers

"Golden Rule is a wonderful place to give your business too. They have really good employees who has always helped and resolve any questions I have. Super friendly and attentive to their customers. I just got amazing help and support today from Samantha!! She helped and took care of everything I needed today with no problem!! I will never go through anyone else for insurance but Golden Rule!"
"Dusty, Amber, & the rest of the staff are always super helpful and pleasant to talk with. They are always knowledgeable and answer any questions or concerns I have. Highly recommend them for all your insurance needs."
"Ashley was fantastic! Quick to respond, knowledgeable, showed me gaps in my prior coverage and then saved me money! Well done!"

Some of the Top Insurance Providers We Work With

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