Your Local
Independent
Insurance Brokerage
Michael Hutchison works for you — not the insurance companies. We shop multiple top-rated carriers to find coverage that fits your life and your budget.
What can we help you with today?
Bundle & Save
Auto + home, renters or condo
Auto Insurance
Cars, trucks, luxury, & specialty
Property
Home, renters, condo & more
Life & Health
Term life, whole life, Medicare
Business
Liability, tools, employees & more
Farm & Ag
Equipment, livestock, crops & more
Getting Insurance Is Easy
Three straightforward steps from your first question to your policy in hand.
Quote
Provide some basic information about yourself, your vehicle, home, or business. We handle the complicated work behind the scenes — comparing rates across multiple top-rated carriers so you don't have to.
Compare
Talk to Michael to find the best coverage for your situation. Receive a side-by-side comparison of your options so you can make a confident, informed decision — with no pressure.
Bind
Get quoted and covered with great rates. Use online e-signatures and convenient payment options to finalize your policy quickly — often the same day.
Insurance for Every Stage of Life
As an independent brokerage, we're not tied to one company. We shop multiple carriers to find you the right coverage at the best price.
Auto Insurance
Personal auto coverage tailored to your driving needs and budget. As an independent brokerage, we compare rates across multiple top-rated carriers to find you the best combination of price and protection.
Home Insurance
Comprehensive homeowners coverage to protect your home, personal property, and liability. We shop the market to match you with the right carrier for your home's unique characteristics.
Farm & Agribusiness
Specialized coverage for Missouri farms, ranches, and agricultural operations — from farm dwellings and equipment to livestock and commercial ag risks. We work with carriers who understand rural America.
Commercial Insurance
Business owners policies, general liability, commercial auto, workers' compensation, and E&S lines for Missouri businesses of all sizes. We have access to both standard and specialty markets.
Medicare
Medicare Supplement, Medicare Advantage, and Part D prescription drug plans. We help you navigate your Medicare options at no cost to you — comparing plans from multiple carriers to fit your health needs and budget.
Life Insurance
Term life, whole life, and universal life products to protect your family's financial future. We work with multiple carriers to build coverage that grows with your needs.
Annuities
Fixed, fixed indexed, and income annuities designed to provide guaranteed growth and retirement income. We offer only non-variable products focused on principal protection and predictable returns.
Long-Term Care
Long-term care insurance helps cover the costs of assisted living, nursing home care, and in-home care — protecting your assets and relieving the burden on your family.
Umbrella Insurance
Additional liability coverage that goes above and beyond your auto and home policies to protect your assets from large lawsuits and unexpected claims.
Not Sure What You Need?
Let Michael review your current coverage and identify gaps or savings opportunities. No pressure, no obligation.
Why Choose an Independent Broker?
When you work with Hutchison Insurance Group, you get an advocate in your corner — someone who shops the market on your behalf.
Independent Agent Advantage
Unlike captive agents who represent one company, we work for you — not the carrier. We shop multiple insurers to find your best option.
Competitive Multi-Carrier Rates
With appointments with several top-rated carriers, we have the market access to compare options and find you the best price for the coverage you need.
Personal Service
You work directly with Michael Hutchison — not a call center. Get real answers from a licensed professional who knows your situation.
Fast, Efficient Quoting
We use modern quoting tools to compare multiple carriers quickly and get you accurate quotes without the runaround.
Licensed Since 2009
Over 16 years of insurance experience covering personal lines, commercial, Medicare, life, and annuities — with full Property & Casualty licensing.
Local to Jefferson City, MO
We understand Missouri's insurance market, weather risks, commercial and agricultural needs. We're your neighbor, not a national 1-800 number.
24/7 Access to Everything You Need
Managing your insurance shouldn't be complicated. As your broker, Michael is available to help you make changes, report claims, and access your documents — quickly and without the runaround.
Request Changes
Need to update your address, add a vehicle, or adjust your coverage? Submit a change request and we'll handle it promptly.
Report a Claim
Experienced a loss? Report your claim quickly so we can guide you through the process and connect you with your carrier.
Request Certificates
Need a Certificate of Insurance for a lender, landlord, or contractor? Request it here and we'll get it to you fast.
Manage Your Account
Review your policy details, update contact information, and access your documents — all in one place.
A Broker Who Works for You
Michael Hutchison has been helping Missouri families and businesses protect what matters most since 2009. With over 16 years of insurance experience covering personal lines, commercial, Medicare, life, and annuities, he founded Hutchison Insurance Group in 2016 with a simple mission: give clients access to several top-rated carriers and honest, personalized advice.
As an independent broker, Michael is not captive to any single insurance company. He shops the market on your behalf — comparing rates and coverage from a broad range of carriers to find the best fit for your unique situation.
Whether you need auto, home, farm, commercial, Medicare, or life insurance, Michael brings the expertise and carrier relationships to get you covered right.
Appointed with Top-Rated Carriers
Share Your Experience
Your feedback helps other Missouri families and businesses make confident insurance decisions. If we've helped you, we'd appreciate a review on Facebook.
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Why Your Review Matters
Helps Missouri families find trusted local coverage
Supports a local, independent brokerage
Guides others toward personalized insurance advice
Get Your Free Insurance Quote
Select your coverage type and the form will update with questions specific to your needs. Michael will personally review your request and respond with options from multiple carriers.
Prefer to Talk?
Call or email Michael directly. No hold times, no call centers — just your local agent.
Office Hours
After-hours calls and texts are welcome for urgent matters.
Get in Touch
Have questions about your coverage options? Reach out directly — no automated systems, just your local agent.