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Find out why the “M means more competitive rates” to homeowners and drivers by requesting an auto, home or farm insurance quote.


Auto Insurance

Policyholders often wonder if they have enough of the right auto insurance coverage.

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Homeowner’s Insurance

When choosing this necessity, Madison Mutual can assist you in determining how much and what kind of homeowner's insurance you need.

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Farmowner’s Insurance

Your farm is not just an asset – it’s your business and Madison Mutual's farmowner's insurance can provide you what you need most - peace of mind.

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Umbrella Insurance

You’ve worked hard for everything you have--Madison Mutual's Umbrella Insurance can protect those accomplishments.

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About Madison Mutual

Madison Mutual Insurance Company (MMIC) was founded in 1920 as the Madison County Mutual Automobile Insurance Company. From 1920 until 1982 we wrote Auto insurance exclusively in Madison County in Southern Illinois. In 1983 we expanded into Home, Farm and Personal Umbrella lines and began to expand throughout the rest of the state.

Madison Mutual distributes its products exclusively through Independent Agents. We currently have 154 agencies representing us with more than 400 licensed producers. Madison Mutual has historically enjoyed an AM Best rating of A (Excellent).

Mission Statement

Madison Mutual Insurance Company is dedicated to providing superior personal lines insurance products to our Policyholders at a competitive price. We are committed to the well being of our Policyholders, Independent Agents, Employees and the communities in which we operate.

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Find An AgentFind an Agent

Madison Mutual insurance is sold through independent agents, experienced in finding the right Madison Mutual policy for your needs.

Make A Payment Make a Payment

Pay your premium online with a credit card or debit card—it’s easy and secure.

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Report a ClaimReport a Claim

Use the online form to report a home or auto insurance claim day or night.

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Call 800-766-MMIC (6642)