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Ralls County Mutual Insurance Company was formed over 130 years ago by a few citizens of Ralls County that wanted better insurance, not only for themselves but their family and neighbors. They joined together and on May 5, 1890, Ralls County Mutual was formed to give that protection.

Ralls County Mutual Insurance is state regulated and fully insured. We have no stockholders to pay dividends to which allows us to keep our premiums competitive. As a policy holder, you are more than just another number at RCMIC, you are a member—an owner of the company.

Why Mutual Insurance?

A Mutual Insurance Company is owned by the policyholders. There are no stockholders and the premiums collected are invested to pay current and future losses of the Company. You are more than just another number at Ralls County Mutual Insurance—you are a member. This means you are one of the owners of the company. At Ralls County Mutual Insurance Company the policyholder has a say in what goes on in the company.

You have more than a share in the business, you are the business! Directors of the Company must be policyholders themselves. Only policyholders can vote in the election of directors at the annual meeting of the Mutual Insurance Company.

Ralls County Mutual Insurance holds its annual meeting of the members at 10:00 AM on the third Monday in January of each year.

Meet Our Agents

John Wallace

#1 Industrial Drive
Vandalia, Missouri 63382

Denise Power

31613 Highway B
Perry, Missouri, 63462

Michael Houchins Triple H Insurance

8905 Highway 61
Frankford, MO 63441


Queathem Insurance Agency

131 N. Walker
Montgomery City, Missouri 63361


Richard “Gene” Dryden

12201 Highway 79
Hannibal, Missouri 63467


LaRue Insurance Agency

216 N. Main
Monroe City, Missouri 63456

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Audrain Insurance Agency

217 W Jackson St.
Mexico, Missouri 65265

Meet The Board Of Directors

All RCMIC Board Directors are policy holders that are elected by policyholders. You may know some of them as they are all local people. They live and work in this area and have similar insurance needs as you. The Board works hard to keep things running smoothly at Ralls County Mutual Insurance Company.

President – Daryl Caswell
Vice-President – Lowell Jackson
Treasurer – Richard “Gene” Dryden
Secretary – Denise Power

Daryl Caswell
Richard “Gene” Dryden
Denise Power
Lowell Jackson
Rhonda Robinson
Tracy Quinlin
Matt Monroe