About Golden Rule Insurance Associates

Your Dedicated Independent Insurance Agent in Southern Missouri

Established in 2009, Golden Rule Insurance is an independent insurance agency dedicated to helping people and businesses find the best insurance rate and coverage for their specific situations. We run our business based on the golden rule, "Do unto others as you would have them do unto you."

Our goal is to build long-term relationships with our clients by creating a transparent insurance experience that offers the most benefits. Throughout the years, we have achieved a 98 percent client retention rate and we continue to improve our services to help more consumers secure their lives.


What We Do

As one of the top-rated Endorsed Local Providers (ELPs) nationwide by Dave Ramsey, a lot of what we do is proactive. We make it our job to stay current with all coverage options and prices available from multiple insurance carriers, so you don't have to fill out several online applications to get quote comparisons.


Unlike captive agents like State Farm of American Family, which represent only one company, we are 100 percent independent. We write policies with more than 20 carriers nationwide directly from start to finish.

What We Offer

Our independent agent insurance company gives you access to a wide range of products, including:


Home Insurance

Shopping for the best home insurance rates? Our insurance agents will walk you through the basics of home insurance policies and their coverage to help you make informed decisions.

Farming/Agriculture Insurance

Rest easy knowing your livelihood is in capable hands. From basic farming/agricultural insurance to broad policies, our insurance agents can help you find a suitable range of coverage for your needs.

Auto Insurance

Basic auto insurance is mandatory for drivers in almost every state. But is it enough? Save time and hassle searching for auto insurance that covers your exact needs with help from Golden Rule Insurance.

Business Insurance

We provide guidance on which insurance is appropriate for your business to safeguard your earnings. Get insurance protection against losses arising from accidents, lawsuits and natural disasters.

Life Insurance

Protect yourself and your dependents with a comprehensive life insurance policy. Whether you're looking for term or permanent life insurance, we can help you shop for the best insurance rates.


We offer everything from equine, boat and ATV to travel and property insurance. Learn all about various insurance policies and minimize your financial liability from unforeseen occurrences.


Our Reshop Process

At Golden Rule Insurance, our insurance services are not a set-and-forget solution. We find the best insurance rates year after year for our current clients, even if you don't request a reshop to ensure you're not leaving your money on the table.

  • We run our agency management system

    We have an agency management system that allows us to track how much we save our recurring clients and tells us if a policy goes above our threshold. If your insurance rates go over 13 percent, we shop and run it through the process just like you were a new client.

  • We review your policy choices

    Our dedicated team collects quotes from multiple carriers and compiles notes, so you can compare insurance rates and coverage. Saving you money cuts our commission, but we do it to protect you and your financial well-being. We put people first before our bottom line.

  • We present your best policy options

    Once we've gathered enough data, we will schedule a consultation with you to discuss your options. All our carriers are A-rated, so you can rest assured you are receiving the high-quality service and coverage you need. As the policy owner, you reserve the right to change or stick to your existing insurance provider.

Let us Help You Protect What Matters Most

Purchasing insurance can be overwhelming and time-consuming when you factor in all the information you need to understand about policy coverages, limits and exclusions. Entrust your insurance buying process to our independent insurance agency and let us save you valuable time!

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