Published June 28, 2026 · 40 years in trucking & the trades
What we cover in Kirksville
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Kirksville choose a local agent
When you're in Kirksville, Adair County, you get a real person who knows MO — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Kirksville: the local picture
The presence of major educational and healthcare institutions in Kirksville suggests a stable economic environment, which can positively influence property values and insurance market stability. However, the region's documented history of severe weather, including significant tornado events and regular hail, combined with identified FEMA flood zones, indicates a substantial need for comprehensive property and casualty insurance coverage for both residential and commercial properties. Insurers should consider these environmental risks when assessing policies and educating residents.
Population: 17563 (2022)
Major local employers & who's hiring
- Cooperative Response Center — office
- MFA Feed Mill — shopping
- MFA Oil Petro-Card — gas station
- MFA Exchange — shopping
- MFA Oil — shopping
- Warehouse 660 — gym
- Newland Implement Tractor Sales — ag-commercial
Local Kirksville businesses
A few businesses that call Kirksville home — independent of our agency.
- MFA Oil Petro-Card — ag-commercial
- MFA Oil — ag-commercial
- Stokes Stadium and Ethan Billingslea Memorial Athletic Track — manufacturing
- Warehouse 660 — ag-commercial
- Newland Implement Tractor Sales — ag-commercial
- New Star Mart — c-store
- Casey's — c-store
- Sinclair — c-store
- bp — c-store
- Cenex — c-store
- Conoco — c-store
- Ayerco — c-store
Local facts that shape your coverage
- The estimated population of Kirksville, MO was 17,563 as of July 1, 2022. — Indicates the size of the potential insurance market for personal lines and local businesses.
- Major employers in Kirksville include A.T. Still University, Northeast Regional Medical Center, Kraft Heinz, Truman State University, Adair County R-II School District, and the City of Kirksville. — Reflects economic stability, potential for commercial insurance, and stable employment impacting personal insurance needs.
- In 2009, a violent tornado outbreak impacted Kirksville, resulting in three fatalities and damage to over 200 buildings. — Highlights a historical high risk for catastrophic property damage and loss of life, emphasizing the need for robust property and life insurance.
- Kirksville, MO has a history of hail events, indicating a recurring risk for property and vehicle damage. — Suggests a consistent need for comprehensive property and auto insurance to cover hail-related damages.
Local figures compiled from public sources: census.gov · k-redi.com · web.archive.org · interactivehailmaps.com. Estimates — verify current details with the original source.
Insurance requirements in Missouri
Missouri is an at-fault (tort) state: every driver must carry liability insurance, and Missouri also requires uninsured-motorist coverage — which matters because not everyone on the road is insured. Missouri sits in a hail- and tornado-prone corridor, so wind/hail protection and your roof's condition weigh heavily for homeowners and farm owners. As an independent agency we shop multiple carriers to fit Missouri's rules and weather to your budget. Verify current state minimums with the Missouri Department of Commerce & Insurance.
Kirksville, MO insurance — common questions
How much does insurance cost in Kirksville, MO?
Rates in Kirksville and Adair County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Kirksville?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Kirksville and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Kirksville today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.