R Thompson Insurance

Kansas & Missouri Coverage, Locally Guided

As an independent insurance agency based in Kansas City, we shop multiple top-rated carriers for Kansas and Missouri and bring clear options for drivers and homeowners in Lenexa, Overland Park, Shawnee, Leawood, North Kansas City, and beyond. Get guidance, compare coverage, and choose the fit that matches your budget and goals.

 Explore Comprehensive Insurance Solutions

Explore comprehensive insurance solutions designed for life in the region. Compare rates and coverage for cars, homes, life, and small businesses—all in one place—so you spend less time shopping and more time living. Compare rates on auto insurance in Kansas City, explore options for home insurance, and get help with business insurance needs across the metro.

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Personal Insurance

Protect your home, car, and family with coverage tailored to Kansas City living.

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Commercial Insurance

From liability to fleet coverage, safeguard your Kansas City business with flexible protection.

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Life Insurance & Annuities

Plan for the future with life insurance and annuities designed to provide lasting security and stability.

Serving the KC Metro and Beyond

From our Lenexa/Overland Park base, we’re woven into everyday Kansas City—Shawnee Mission school runs, Olathe commutes, Leawood errands, North KC nights out, and weekends in Brookside, Westport, or the Crossroads. We’re licensed in Kansas, Missouri, Texas, and Oklahoma, but our day-to-day heartbeat is the KC metro. Moving across State Line Road? Changing ZIP codes? We’ll sort the Kansas vs. Missouri rules, line up proof of insurance, and keep you rolling without the red tape

Here When You Need Us

Connect with us whenever life takes a turn or questions arise. From policy changes to claims questions, we’re here for Lenexa, Overland Park, and the greater Kansas City area.

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Life Changes

Tell us about a new home, a new driver, or a move within the metro so your coverage keeps up.

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Claims Guidance

Unsure about the claims process? Reach out early for clear next steps and documentation tips.

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Policy Adjustments

Need to update vehicles, deductibles, or mortgagee info? We’ll help you make changes smoothly.

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Review Coverage

A quick annual check can confirm you still have the right limits and endorsements for your needs.

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Billing Inquiries

Have a payment or invoice question? We’ll help you sort it out and avoid lapses.

Carriers We Compare

We compare multiple national and regional carriers licensed in Kansas and Missouri to bring you clear options for auto, home, life, and business coverage. That means real choice on price and features, consistent policy forms, and the flexibility to adjust deductibles or bundle policies without starting from scratch. At R Thompson Insurance, we’ll help you see how different carriers handle discounts like telematics, multi-policy, and monitored alarms—so the plan fits how you live and drive.

Auto-Owners Insurance logo: dark blue text with "Auto-Owners Insurance" and service offerings: Life, Home, Car, Business.
Travelers Insurance logo: Black text "TRAVELERS" with red umbrella symbol over the "J".
Transamerica logo: Red Transamerica Pyramid, black text on white background.
Logo for "THREE by Berkshire Hathaway" featuring the word "THREE" in black with a stylized orange graphic.
Safeco Insurance logo with text "Safeco Insurance" and "A Liberty Mutual Company" in blue and white.

What this means for you:

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More than one price

true side-by-side comparisons from top-rated insurers

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Smarter discounts

bundle home and auto, add safe-driver programs, or apply home-security savings

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Faster paperwork

ID cards, mortgagee updates, and landlord declarations when you need them

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Year-over-year flexibility

re-shop at renewal to keep up with rate changes and life events

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Why Choose an Independent Agent

One agency, many choices. With access to multiple carriers, you can weigh price and coverage side by side, adjust deductibles, and bundle home and auto for additional savings. You’ll get straightforward, personalized advice, quick proof of insurance when you need it, and annual reviews that keep pace with life events—whether you’ve moved to Johnson County, added a teen driver in Overland Park, or bought a condo near the Country Club Plaza. To us, you’re not just a number, and we want you to feel supported at every step. 

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Real-World Questions, KC Answers

  • What’s the difference between an independent agent and a captive agent?

    Independent agents work with multiple carriers to compare price and coverage; captive agents sell one brand.

  • Can bundling home and auto really lower my rate?

    Often yes; bundling can unlock multi-policy discounts and make renewals simpler.

  • Do you serve both Kansas and Missouri residents?

    Yes, we’re licensed in KS and MO, TX, and OK. Most Kansas City metro addresses are eligible.

  • How fast can I get a quote?

    Same day in most cases once we have drivers, vehicles/property details, and current coverage.

  • Do you work with homeowners associations or landlords?

    We can coordinate coverage requirements and provide proof of insurance as requested.

Contact Us to Get Started

Ready to compare options? We’ll prepare side-by-side quotes from multiple carriers for Kansas City and surrounding communities based on your needs. You’ll get clear choices and next steps—no guesswork.