Insurance that Works as Hard as You Do
Proudly Serving Mount Sterling and West Central Illinois Since 1986
At Ray Insurance Agency, we help families, farmers, and small businesses protect what matters most — with clear guidance, real relationships, and insurance that fits your life, not just a policy form.
Built for the Way You Live, Work, and Grow
Right Here in West Central Illinois
From farm fields to front porches to Main Street storefronts, our coverage is shaped by the real lives of the people we serve. We take time to understand your needs, walk you through your options, and help you build protection that fits where you are — and where you're headed.
Federal Crop Insurance, Crop Hail, Livestock Risk, and private plans designed to protect what you grow and raise.
From basic liability to full coverage for cars, trucks, motorcycles, or RVs. We’ll find a plan that fits your life and your budget.
Insure your house, belongings, and peace of mind. We offer protection for homeowners, renters, and valuable property.
Protect your storefront, farm-based business, or commercial fleet with policies tailored to your operation.
Why Choose Ray Insurance Agency
We’re Not Just in the Community. We’re Part of the Neighborhood.
At Ray Insurance Agency, we lead with honesty, show up with purpose, and stay rooted in the community we serve. This isn’t just where we work, it’s where we live, raise families, and take pride in every policy we write.
We’ve walked fields with farmers, sat down with families around kitchen tables, and backed local businesses as they expanded storefronts. Clients come to us for honest answers and stay because they know we show up — with experience, heart, and a plan that fits.
Built on Trust, Grounded in Local Experience
We know choosing insurance can feel like a big decision. That’s why families and businesses across Mount Sterling have trusted us for nearly 40 years — and why we’re still here today.
Localy Owned & Operated
Ray Insurance Agency has deep roots here — and we plan to stay for the long haul.
Independent and Client-Focused
We partner with multiple carriers to give you real options and honest advice.
No call centers. just real people
When you call, You’ll talk to someone who understands you and your town.
Coverage That Reflects Real Life
Whether you’re starting something new or protecting what you’ve built, we’ll tailor a plan that fits your everyday.
