4 State Insurance Agency is an independent insurance agency built on a foundation of faith, community, and service. Established in 1994 and led today by second-generation owner Margaret Rutherford, the agency has grown to serve clients across Oklahoma and Missouri with offices in Pryor, Langley, and Joplin.
As an independent agency, 4 State Insurance partners with multiple top-rated insurance companies to provide personalized coverage solutions for individuals, families, and businesses. From home and auto to specialized business coverage, the agency is committed to helping clients protect what matters most.
At 4 State Insurance, relationships come first. The team takes pride in offering knowledgeable guidance, responsive service, and genuine care for every client. Their mission goes beyond insurance—they strive to make a positive impact in the communities they serve through involvement, outreach, and a heart for helping others.
Faith is at the center of their work, shaping a culture of integrity, compassion, and purpose in everything they do.
Community Involvement
At 4 State Insurance Agency, serving our community is at the heart of who we are. We are proud to support organizations and initiatives that make a meaningful difference in the lives of those around us.
Our team is actively involved in supporting the Joplin Association for the Blind and Low Vision Enhancement Center, as well as local backpack programs in Ketchum and Pryor that provide meals to students in need. We also contribute to Special Olympics, partner with food banks throughout Mayes County, and continually look for opportunities to give back.
We believe our role goes beyond insurance—it’s about strengthening the communities we call home through compassion, generosity, and service to others.