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"A Professional Agency with Personal Service."


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Our Story


Established in 1958 by James A. Smart, the company has grown to a full service insurance agency with third generation family involvement, serving 2,000 individuals, families, and business entities in and around the Southwest Missouri area.




Mike & Brenda Ellis

I was referred to Smart Insurance Agency by a family member, and asked for a quote on my home and auto insurance. SIC saved my around $400 per year on the bundled coverage! Nick has been quick to answer any questions, and has been very professional. I would recommend SIC!


Susan Clingan

Smart Insurance Agency is a gem. Changing insurance agents is a bit nerve racking as you have to make sure you are comparing apples to apples in terms of coverage. Nick Layman made that transition a very smooth and calm experience as he brings professionalism, competency, patience, and is not a high pressure agent, yet stays engaged. My questions were answered completely, in a timely fashion, and, were welcomed. If a business does not want to answer your questions, that is your first clue to run like the wind.


Jerry Dunbar

Positive: Professionalism, Quality, Responsiveness, Value

Randy and his team are so easy and knowledgeable about the insurance business I have used him for years in Trucking and Cab Business Insurance.


Crystal Abbott

My family has used Smart insurance ever since moving to Missouri years ago. I joined both Missouri and Smart insurance years later and would never want to turn anywhere else. The staff is kind and attentive. Multiple times Nick has went out of his way to accommodate an urgent situation for me and has always helped to find us the best deals. We appreciate Smart insurance! Thanks!


Benjamin Gruber

We absolutely love smart Insurance! They are the hometown answer to your insurance needs. Super helpful friendly staff and great prices! Any chance I get I refer people to Smart insurance.


Jeannine Notz

I highly recommend Smart Insurance Agency. They give friendly, personalized service. I can tell that they were truly looking out for my best interests, while helping me select an insurance policy. They promptly responded whenever I needed to get ahold of them. They make you feel like a friend!


Doug King

A friendly and professional team that will work hard to make sure your insurance needs are taken care of. Don't shop online. Choose Smart Insurance Agency, a local team who will make your insurance experience more enjoyable.


Sharla Wilson

I have used Smart Insurance for as long as I can remember, they have always been very professional and kind and helpful at all times! I highly recommend them to everyone for all their insurance needs!!! Love them, and their small town atmosphere with big city professionalism!


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