Insurance Agent Cheryl Kelly

Cheryl Kelly

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Office Details:

Street Address:

3215 S Providence Road
Columbia, MO 65203-5507


Outer Road of Providence between Green Meadows & Nifong Blvd

Office Hours (CST):

Mon-Fri 8:30am to 5:00pm
Evenings & Saturdays by Appt




Need help with a claim?

Start or track your claim online, or with the State Farm® mobile app.

Need to pay a bill?

Pay insurance bills fast and manage them easily.

Let us help you create a Personal Price Plan™

Everyone loves saving money. Customize a coverage plan that helps protect what’s important to you – family, things and your bottom line. From safe driving rewards, bundling options and discounts*, Cheryl Kelly can help you create a solution that’s right for you.

Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
*Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.

Auto Insurance

Buckle up with State Farm, and get auto insurance in Columbia, MO that fits your needs. You’ve got plenty of options — from collision and comprehensive to rental and rideshare. If you need more than an auto policy for the family, we provide car insurance coverage for new drivers, business travelers, collectors, and more. Not to mention, State Farm is the largest auto insurance provider in the U.S.1 You could even save more by combining the purchase of auto and home policies.

Cheryl Kelly in Columbia, MO will help you get started after you complete a car insurance online quote. It’s fast and easy!

1. Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2018.

Start your car insurance online quote. It’s fast and easy!

Homeowners Insurance

Protect your largest investment from unexpected events life may throw your way with State Farm® Homeowners Insurance in Columbia, MO. So, what’s covered?1 Your home insurance ensures you can repair or replace your home, as well as the items you value. Personal property is covered even if you're on vacation, running errands or holding items in storage. More homeowners choose State Farm as their home insurance company over any other insurer.2

Cheryl Kelly in Columbia, MO will help you get started after you complete a homeowners insurance online quote. It’s fast and easy!

1. Please refer to your actual policy for a complete list of covered property and covered losses.
2. Data provided by S&P Global Market Intelligence and State Farm Archive.

Start your homeowners insurance quote. It’s fast and easy!

Renters Insurance

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment or other home that you may rent. Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your renters insurance quote. It’s fast and easy!

Personal Articles

Do you have important treasures like collectibles, jewelry, sports equipment, and others? Your homeowners or renters insurance policy may limit coverage on some of your most valuable items. Make sure your valuables are protected with a Personal Articles Policy in Columbia, MO. A State Farm® Personal Articles Policy can even provide personal property coverage1 worldwide (perfect for vacations) in case of theft, accidental damage, or loss.

Want more information? Ask Cheryl Kelly in Columbia, MO about a personal property insurance quote.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a personal articles insurance quote.

Business Insurance

Whether your business is just starting, growing or maturing, State Farm will provide you with smart options for business insurance in Columbia, MO. Your insurance for business may include1 a business owners policy, commercial auto policy, individual health policy or even workers’ compensation. Like you, our agents are small business owners who know the importance of developing a plan for continued financial security. We know your business means everything to you. As it grows, make sure you have the right business insurance products for your business.

Work with Cheryl Kelly in Columbia, MO to get a small business insurance quote and choose what products are right for you.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a small business insurance quote.

Life Insurance

State Farm® life insurance helps your life's moments live on. Whether it keeps paying the mortgage, maintains a current standard of living, pays off debts or pays for college, the life insurance you choose can be there when it’s needed most by your loved ones. Help secure the future of your family with a term life, whole life, or universal life policy. We have policy options to fit your needs and budget.

Cheryl Kelly in Columbia, MO will help you get started after you complete a life insurance online quote.

Start your life insurance online quote. It’s fast and easy!

Health Insurance

As you experience changes in your life, your health insurance coverage should adjust as well. Let State Farm help you find the right policy for health insurance in Columbia, MO. We offer a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans. You may even protect your paycheck with disability insurance to help cover monthly expenses.

Work with Cheryl Kelly in Columbia, MO to get a health insurance quote and choose a plan designed to fit the needs of a family, individual, or senior citizen.

Start your medicare supplement online insurance quote.

Start your hospital income online insurance quote.


Banking, your way. When, where, and how you want. When you're looking for help to achieve your financial goals, we want to be your first and best choice in Columbia, MO. Thanks to an alliance between U.S. Bank® and State Farm®, now, you'll be able to apply for U.S. Bank Checking, Savings, CDs, Retirement CDs and Credit Cards online or through your local State Farm agent.

Talk with Cheryl Kelly in Columbia, MO to get more information about available U.S. Bank banking products.

Call or email an agent for product information.

Home Loans

A simple, seamless home loan experience. State Farm® and Rocket Mortgage® have teamed up to help with all of your home loan needs - everything from buying a home to refinancing your current mortgage. Loan options include traditional mortgages, as well as Jumbo, VA and FHA.

Talk with Cheryl Kelly in Columbia, MO to get more information about available home loan products from Rocket Mortgage.

Call or email an agent for product information.


Let State Farm® support your financial future with an investment through annuities in Columbia, MO. Immediate annuities may guarantee an income for life, while tax-deferred annuities could help increase your retirement savings. Selecting the best annuity option depends on your financial goals and market conditions. Create a future stream of income or payments with an investment option that grows for you. State Farm can help clear the confusion and misinformation out there when it comes to annuities.

Talk with Cheryl Kelly to get more information about annuities in Columbia, MO that support your financial goals.

Call or email an agent for investment information.

Pet Insurance

When your pets need medical attention, the last thing you should worry about is cost. Unfortunately, many pet owners find themselves facing tough decisions about their dog or cat’s care. We’re here to help. State Farm works with Trupanion® – a leader in high-quality pet medical insurance – to make it easier for pet owners to care for their furry family members.

Want more information? Ask Cheryl Kelly in Columbia, MO about a pet medical insurance quote.

Start your pet medical insurance quote. It’s fast and easy!

About Me:

  • State Farm Agent since 1988
  • Serving Insurance Needs in Columbia for 35 years
  • Insurance products include car, home, life and business
  • Providing auto insurance for Mid- Missouri
  • Home & Renters Insurance across Boone County
  • Life & Health insurance options available in Columbia
  • MU-Department of Communications Advisory Council member
  • Advisory Council Member at Tolton High School
  • University of Missouri Alumni & Supporter
  • Columbia Public Schools Partner in Education
  • Former Board Member of State Farm Federal Credit Union
  • Former Local School Board Member
  • Strong focus on customer service
About Me Photo

Our Mission:

Here at the Cheryl Kelly State Farm office, we can provide you with your car, home, boat, business, life and health insurance. Team Kelly offers remarkable customer service in Columbia, MO and the surrounding mid-Missouri communities including Ashland, Hartsburg Harrisburg, Hallsville, and Rocheport. We are here to help you plan for your future while insuring your most valuable possessions against unexpected loss. We would love to make insurance simple for you.
Our Mission Photo

Our Team:

Team Member Profile Photo Lauren Crosby
Lauren Crosby
Account Representative
I have been on the Cheryl Kelly State Farm Team for almost 7 years now. I am a services representative in the office assisting our State Farm customers with their policies and insurance issues. I am licensed to assist customers with Auto, Home, Renters, Life and Health insurance. Born and raised in the Columbia area I attended both the Rock Bridge High School and University of Missouri. My husband and I are involved with our local church when we can be. I love to travel when possible.
Team Member Profile Photo Lisa Montgomery
Lisa Montgomery
Insurance Account Representative
I am thrilled to be part of team Kelly! For over 20 years I was a teacher, writer and illustrator. I love helping State Farm customers with insuring their most valuable possessions. In addition to meeting new faces, I love spending time with my family, enjoying the outdoors and making music.
Team Member Profile Photo Tracey Buster
Tracey Buster
Marketing Representative
I have had the pleasure of being a part of the Cheryl Kelly State Farm team for over 26 years. I work on the office marketing and I am licensed to work with Auto, Home & Renters Insurance. I have lived in Columbia for 30 years and I went to the University of Missouri. Outside of the office I help as a youth ministry & womens event inspirational speaker. My hobbies include hiking, reading, tea drinking, and spending time with my wonderful children & grandchildren.
Team Member Profile Photo Ashley Cook
Ashley Cook
Customer Service Representative
I am beyond excited to be back with team Kelly! I was previously part of the team for over 7 years before being transplanted to Southern Alabama in 2019. My family was born and raised in Central Missouri. I am grateful to be able to assist wonderful State Farm customers again with their insurance needs. I am a wife and mom of two boys ages 8 and 3. In my free time I love spending time with family, visiting state parks, traveling, and enjoying the beach!
Team Member Profile Photo McKena Smith
McKena Smith
Customer Service Representative
Right at home as a part of Team Kelly - I was born and raised in Mid-Missouri! Spending time with family & friends is my best way to relax. I also enjoy camping and being outdoors, the mountains are one of my favorite places. Every day, I love getting to enlighten customers about their coverages so they can be sure they have what they need.
Team Member Profile Photo Alexis Zaner
Alexis Zaner
Property & Casualty Representative
As the newest team member, I was excited to join Team Kelly since my roots are from here in Columbia. I recently moved back from St. Louis to pursue my business degree at a local college. I have a sassy German Shepherd/Husky that loves cuddles and wearing me out. I enjoy checking out local restaurants and grooving to music at festivals. The beach will forever be calling my name, someday I hope to live there! Showing customers how they can combine their insurance and save money makes my day!

Agent's Credentials and Licenses:

NMLS # 1965916


Deposit products offered by U.S. Bank National Association. Member FDIC.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Pet insurance products are underwritten in the United States by American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit For additional information and disclosures concerning Pet insurance please see Pet Insurance From State Farm® and Trupanion®. State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates, neither offer nor are financially responsible for pet insurance products.  State Farm is a separate entity and is not affiliated with Trupanion or American Pet Insurance.

Rocket Mortgage, LLC; NMLS #3030; Equal Housing Lender. Licensed in 50 states. AL License No. MC 20979, Control No. 100152352. AR, TX: 1050 Woodward Ave., Detroit, MI 48226-1906, (888) 474-0404; AZ: 1 N. Central Ave., Ste. 2000, Phoenix, AZ 85004, Mortgage Banker License #BK-0902939; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; GA: Residential Mortgage Licensee #11704; IL: Residential Mortgage Licensee #4127 – Dept. of Financial and Professional Regulation; KS: Licensed Mortgage Company MC.0025309; MA: Mortgage Lender License #ML 3030; ME: Supervised Lender License; MN: Not an offer for a rate lock agreement; MS: Licensed by the MS Dept. of Banking and Consumer Finance; NH: Licensed by the NH Banking Dept., #6743MB; NV: License #626; NJ: New Jersey – Rocket Mortgage, LLC, 1050 Woodward Ave., Detroit, MI 48226, (888) 474-0404, Licensed by the N.J. Department of Banking and Insurance.; NY: Rocket Mortgage, LLC, 1050 Woodward Ave., Detroit, MI 48226 Licensed Mortgage Banker-NYS Department of Financial Services; OH: MB 850076; OR: License #ML-1387; PA: Licensed by the Dept. of Banking –​ License #21430; RI: Licensed Lender; WA: Consumer Loan Company License CL-3030. ​Conditions may apply.

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.