Missouri Insurance agents

St Louis Insurance Brokers and Agents 

Table of Contents

St. Louis Insurance Blues Got You Down?

Tired of overpaying for car and home insurance?

We hear you!

But ditching quality coverage isn't the answer. ‍

Here's the real question: How do you score top-notch St. Louis insurance agents WITHOUT breaking the bank?

Need a quick quote? Click here! But wait, there's more...

This guide unlocks the secrets to finding the BEST independent insurance agents in St. Louis, all while saving you money. We're Missouri Insurance Advisors, your insurance gurus on a mission to find affordable coverage for Missourians like you.

Here's the intel you need:

  • Agent Intel: Find a local insurance whiz who speaks fluent "coverage options." They should break down different policies and pick the perfect fit for your budget and needs.
  • Comparison Champs: A good agent knows multiple insurance companies like the back of their hand. This means they can shop around for the most competitive rates, saving you big bucks!
  • Coverage Champions: Don't just settle for cheap – get the protection you deserve! Your agent should ensure your car and home are adequately covered. Plus, they'll advise on extras like umbrella or flood insurance, depending on your situation. ☔️
  • Customer Service Superstars: Need a question answered? Bam! Your agent's on it. Fast claim response and regular policy reviews are a must-have. Remember, they're there for you! ⭐️

Finding the right insurance agent is like finding a superhero – do your research!

  • Ask for recommendations from friends and family.
  • Read online reviews.
  • Interview multiple agents before making your choice.

Remember, this person safeguards your future. Choose wisely!

Let Missouri Insurance Advisors be your guide to affordable, top-quality insurance.

Tired of Insurance Quotes Being a Snooze fest? 

Wake Up to Savings with a St. Louis, Missouri Insurance Broker!

Tired of the same old insurance routine?

Captive agents are like sleeping giants - stuck with one company, with limited choices for you.

But wait, there's a better way! Independent brokers work with a whole crew of insurers, giving you more options than a choose-your-own-adventure book. This means... drumroll please... potentially BIGGER SAVINGS!

Remember that golden rule: "Get multiple bids"? It applies to insurance too! Whether you need car, home, business, life, or even that fancy umbrella coverage, more quotes mean a better shot at snagging a sweet deal.

But who has the energy to call ten different agents, repeating the same story like a broken record? Enter the superhero: Your local St. Louis insurance broker!

They'll shop around with multiple companies at once, saving you time, sweat, and tears (and probably a few bucks on your phone bill). All for free, because hey, that's what heroes do!

So ditch the insurance snooze fest and switch to a broker. It's time to wake up to big savings!

Auto insurance in St Louis, MO

St. Louis insurance got you lost in jargon? Ditch the headache! 

Finding the perfect broker can feel like navigating a maze, but Insurance Brokers Group is your local St. Louis sherpa, guiding you to the right coverage.

They're your insurance dream team!

With over 30 insurance companies at their fingertips, they'll scour the market to find the best rates and coverage for you.

Whether you need car, home, business, or life insurance, Insurance Brokers Group won't just sell you a policy, they'll explain your options in a clear, down-to-earth way.

Imagine insurance that feels like talking to a trusted neighbor, not a faceless corporation.

That's the Insurance Brokers Group difference. Don't settle for a one-size-fits-all policy. Get a quote today and see how Insurance Brokers Group can tailor a plan to fit your unique needs.

Call 314-569-1010 or click for quotes online. You deserve insurance that works as hard as you do!

Here’s a quick TIP for someone looking for an independent agent:

Go Online...

Ditch the dead ends! Stop wading through endless "insurance broker near me" searches. 

Be a search ninja!

Here's the secret:

Get specific.

Instead of generic searches, tell them exactly what you need.

Want an auto and home insurance pro in St. Louis? Search for "Auto Insurance Brokers in St. Louis, MO."

Live in Chesterfield? Add that city! Zip code got you covered? Include it too!

The more specific you are, the faster you'll find the perfect insurance broker.

Big Business? Get Big-Time Insurance Protection in St. Louis!

Tired of one-size-fits-all insurance for your growing company? St. Louis boasts experienced brokers who specialize in protecting businesses like yours – with 500+ employees or $50 million+ in sales.

But it's not just about coverage. You need a partner who understands risk management too. Stop searching for "largest commercial insurance brokers" – we'll connect you with the best fit for your success!

St. Louis Businesses: Get Covered Like a Boss!

Running a small or medium business in St. Louis? Don't let insurance headaches slow you down. Local brokers have you covered with a variety of companies to choose from.

Here's the deal: For businesses like yours, forget giant insurance chains. Small and regional carriers are your best bet, offering the perfect fit and flexibility.

Ready to find your perfect match? Search online for "local St. Louis commercial insurance broker" and get covered like a boss!

Personal Insurance

Tired of feeling like a small fry to your insurance agent?

Many brokers prioritize big business deals.

Flip the script! Find an Independent Agent who spends at least half their time on folks like you. That way, you know they're equipped and excited to tackle your personal insurance needs. ️

Pro Tip: If your agent doesn't focus on personal insurance, they might be a better fit for businesses, not you!

Is your St Louis Insurance Broker Right for You?

Because some large St Louis insurance brokers will only sell personal insurance as accommodation. Selling a $100,000 commercial policy vs. $1,000 auto policy. They'll spend a lot more time servicing 100 personal policies vs. One big policy.

Chances are, the junior trainee starting out in the insurance world will be the one working on your personal insurance policy.  Review the broker's website to see if they list personal insurance as one of their many interests.  

Do they lead with auto and home insurance, or is it commercial and business insurance followed by personal insurance?

St Louis Insurance Brokers Near Me

If a friend or neighbor hasn't already referred you to a good STL Insurance Broker, listen up.

Here's the fastest way to find local independent agents in St Louis 

Click on this link

Our agency sells insurance all around the country.   You'd be surprised how often we get calls from Hawaii, Alaska and even Canada.

As a matter of fact, the first question after hello is what state are you calling from.

But, as one of the Top St Louis insurance agencies, we try to help folks find the best insurance, even if it's with a difference agency. 

What to ask when interviewing a new insurance agent or agency

When searching online and find a local St Louis agent, ask what kind of insurance they specialize in.  Do they mostly focus on personal insurance, what percentage of their insurance or personal and commercial?

Finding an agent that meets your needs is going to be the best match.

home and auto insurance broker near me

St Louis Insurance Brokers and Agents

St Louis Car Insurance

#1 Question

How do I find cheap auto insurance in St. Louis?

If you call a local St Louis car insurance agent, you're going to need to call several just to get more than one quote at a time.  

But, working with a St Louis Insurance Broker like Insurance Brokers Group, you'll get fast, friendly service and more importantly cheap car insurance quotes from St Louis Insurance companies.

We specialize in Missouri car and home insurance and can provide quotes from dozens of carriers the same day.

Now that you've found a trustworthy local St Louis insurance agent, here are a few tips you'll want to follow. 

Car insurance rates vary not only by the company but by type of coverage.  

What does that mean, by coverage?

Some companies may charge more or less for liability coverage or collision. What you'll want to do is lay out your current coverage for an apple-to-apple comparison. 

The simplest way to do that is to provide a copy of your DEC page. The Declarations page spells out all your coverage.

Forget that companies will vary in what is charged for certain aspects of the policy. Look at the total cost per 6 or 12 months, compared to your current policy.

You also want your St Louis insurance agent to make recommendations on your current insurance coverage. Chances are you are underinsured. Or you could lower your deductible, for a minimal difference in cost.

Maybe you're paying for rental car coverage, but another company includes it automatically. Compare and ask questions, check rates and reviews online.

Any St Louis insurance broker selling personal auto insurance should be able to answer all your questions. Remember, cheap auto insurance in St Louis requires a minimum of $25,000/$50,000 liability coverage.

How Much is Car Insurance in St Louis?

Are auto insurance rates cheaper in St Louis?

Missouri is in the middle when it comes to auto insurance rates across the country. 

Larger cities or metro areas like St Louis will find higher premiums because of the nature of urban life.

St Louis Insurance Companies

Most insurance companies selling in the St Louis market have challenges with weather and crime like larger cities, but suburban areas of St Louis County or rural Missouri will find lower premiums.  

Lower risk of theft and accident the further away from any city.  As a result, if you move from the city zip codes further away from downtown St. Louis, you will see a lower auto insurance premium.

St Louis Home Insurance 

St Louis independent homeowners insurance agents near me

How To Compare homeowner's insurance rates in St Louis

St Louis homeowners face more difficult weather circumstances than many other states.  Much because of the weather.

The extreme summer heat and bone chilling winter weather roofs take a beating. 

Living in the Heartland of America and home insurance

Chance are if you've owned a home more than 10 years in St Louis you've had a new roof installed because of hail, wind or other weather related issues.

Insurance agents in St Louis
Hail is the
#1 reason for roof
Replacement in St Louis.

The most frequent home insurance questions we get are: 

How much is homeowners’ insurance in St Louis?

That is a great question...

In the past 10 years, we have seen the average home insurance policy in the St. Louis area go from around $600 to over $1,000. The biggest reason is hail related claims. The average roof replacement is $6,000 - $8,000.

So, one of the biggest questions you should be asking besides prices is coverage.

Let me explain. There are two options for roof replacement: ACV or actual cash value or Full Replacement. ACV is the depreciated value of the roof, less your deductible.

Example: Let's say you have a 10-year-old roof that has a life of 20 years. It's damage in a hailstorm.

The adjuster determined it needs full-replacement. The roof would be considered 50% used or if the roof cost $6,000 to replace the insurance company would pay $3,000.

Remember, you probably have a $1,500 deductible, so the net amount is $1,500 paid for your damaged roof.

Ouch, that
cheap home insurance policy is going to cost you $4,500 out of pocket to replace the roof.

Instead of taking the ACV policy, look for a full replacement roof policy. That same $6,000 roof would still cost you a deductible of $1,500, but that's it.

If you're using the right St Louis Insurance Broker, they'll recognize the potential pitfalls. Having the right advice could 
save you thousands now and in the future.

the Best Home Insurance Company St Louis?

The best homeowner’s insurance in St Louis is the one that will give you the best coverage at an affordable premium.

As discussed above, make sure the Insurance Broker or agent you work with is compatible with the type of insurance you need.  

As Auto and Home Insurance Brokers in St Louis, we specialize in personal insurance in St Louis.  

Homeowners Insurance In St Louis MO

Because our office is in St Louis, our priority is the residents in St Louis and the surrounding counties in Missouri.  We are STL Insurance brokers and agents for all your auto, home, life, and business insurance needs. 

We represent the most homeowner's insurance companies in St Louis. What that means for the average consumer is less time needed to shop, because that's our job.

What About Earthquake Insurance?

Missouri has a long history of earthquakes.  We have one of the largest fault lines in the country (New Madrid) running through multiple states. 

The New Madrid fault line is the most active seismic area in the United States, east of the Rocky Mountains. 

Because of the potential catastrophic loss earthquake can cause to St Louis Homeowners and their property, we strongly recommend this coverage.

Earthquake Deductible for Homeowners Insurance St Louis

Deductibles are much higher than your normal home insurance.  Most home insurance companies in St Louis have deductibles between 10% and 20%.  There are some earthquake carriers that will accept a lower deductible to 5%, but you would need to buy a separate standalone policy through that company.  We can explain more if you'd like to call us.

Remember, a deductible of say 15% on a $300,000 home policy equals a $45,000 deductible before the insurance company would start to pay out for any repairs.

The cost of earthquake insurance on that same property, depending on location can run $500 to $1500 a year.  The further from the fault line the lower the cost of earthquake insurance.  

Do I Qualify For Earthquake Insurance For My St Louis Home?

Earthquake insurance may not be available to all homeowners

Depending on the age of your home and the building materials.  Older homes and especially ones that are full masonry brick have a much higher probability of damage with even slight tremors.  

So, if you are looking to purchase a home in St Louis and you are concerned about earthquakes, we recommend having a conversation with your insurance advisor first to see if you qualify for coverage.

St Louis Insurance Jobs

Insurance Brokers Group, located in Chesterfield, MO, is always looking for high-quality individuals to help our agency grow.  For consideration, please contact us HERE.

Let's see if we can help you get lower insurance rates today!

Find out if you qualify for the cheapest auto insurance St. Louis, MO. Click here for best local rates

insurance in Saint Louis, MO and the following counties and cities

1. St Louis City
2. St Louis County
Brentwood, Bridgeton, Chesterfield, Creve Coeur, Des Peres, Florissant, Hazelwood, Webster Groves, Manchester, Wildwood, Ballwin, Fenton, Kirkwood, University City, Ladue, Clayton.
3. St Charles
St Peters, O Fallon, Defiance, Lake St Louis, Dardenne Prairie
4. Jefferson County
5. Franklin County
6. Warren County
7. Lincoln County

For more information on local St Louis insurance agencies or to receive quotes, call 314-569-1010 or Click for Quotes HERE.

FAQ for Insurance in Missouri

What types of insurance are required in Missouri?

A: Missouri law requires two types of car insurance:

  • Liability insurance: This covers injuries and property damage you cause to others in an accident. The minimum required coverage is 25/50/25, which means:
    • $25,000 per person for bodily injury
    • $50,000 per accident for bodily injury
    • $25,000 per accident for property damage
  • Uninsured motorist coverage: This protects you if you're in an accident with a driver who has no insurance or not enough insurance. Missouri requires minimum coverage of $25,000 per person and $50,000 per accident for bodily injury.

Q: Are there any other types of car insurance I should consider?

A: While not required by law, these additional coverages are often recommended:

  • Collision coverage: This pays for repairs to your car if you hit another object or vehicle, regardless of fault.
  • Comprehensive coverage: This covers damage to your car from things other than collisions, such as theft, fire, vandalism, or weather events.

Q: How can I show proof of insurance in Missouri?

A: You'll receive an insurance identification card from your insurance company. Keep this card in your vehicle at all times and show it to a law enforcement officer if requested.

Q: What happens if I don't have car insurance in Missouri?

A: Driving without insurance is illegal in Missouri. You may be fined, have your license suspended, and be required to file proof of financial responsibility before you can register your vehicle again.

Additional Resources:

Are there any discounts available for car insurance in Missouri?

Yes, there are many discounts available for car insurance in Missouri. Here are some of the most common:

  • Safe driver discounts: These discounts reward drivers who have a clean driving record with no accidents or tickets.
  • Multi-car discounts: You can save money by insuring multiple vehicles with the same company.
  • Good student discounts: Teen drivers with good grades (typically a B average or higher) may qualify for a discount.
  • Low mileage discounts: Drivers who drive fewer miles each year may be eligible for a discount.
  • Mature driver discounts: Many insurers offer discounts to drivers over the age of 50 or 55.
  • Military discounts: Active military members and veterans may qualify for discounts.
  • Homeowner discounts: Owning your home can sometimes lead to a discount on your car insurance.
  • Safety feature discounts: Cars equipped with anti-theft devices, airbags, or other safety features may be eligible for a discount.
  • Accident-free discount: Drivers who have been accident-free for a certain period of time may qualify for a discount.

It's important to shop around and compare quotes from different insurers to find the best rate. Not all companies offer the same discounts, and the amount of the discount can vary. You can also ask about any other discounts that may be available, such as discounts for being a good student, taking a defensive driving course, or insuring your car with the same company as your home insurance.

What factors affect my car insurance premiums in Missouri?

Here are some FAQ questions for what factors affect car insurance premiums in Missouri:

Driver Related:

  • Driving history: Does having a clean driving record with no tickets or accidents lower my premium?
  • Age: How does my age affect my car insurance rate in Missouri? (e.g. Are young drivers or older drivers typically charged more?)
  • Credit score: Does my credit history affect my car insurance rate in Missouri?

Car Related:

  • Car type: Does the type of car I drive (e.g., sports car vs. sedan) affect my insurance premium?
  • Car usage: How does the amount I drive (annual mileage) affect my car insurance rate?

Coverage Related:

  • Coverage level: Does choosing a higher coverage amount (liability, collision, comprehensive) increase my premium?
  • Deductible: If I choose a higher deductible, will my premium be lower?


  • Location: Do car insurance rates differ depending on where I live in Missouri (e.g., rural vs. urban area)?
  • Discounts: Are there any discounts available on car insurance in Missouri (e.g., good student, multiple car)?

Can I get temporary car insurance in Missouri?

Can I get temporary car insurance in Missouri?

In a strict sense, no. Missouri law and regulations followed by major insurance companies don't allow true short-term policies like those offered in some other states. The minimum coverage term is typically six months.

What are my options then?

There are a couple of approaches:

  • Six-Month Policy with Early Cancellation: You can buy a regular six-month policy and cancel it early when you no longer need the car. Most insurers will give you a refund for the unused portion, though you might incur a cancellation fee.
  • Check Your Existing Policy: If you have car insurance already, see if it extends to temporary use of another vehicle. Some policies cover rentals or borrowed cars for a limited time.

What's the most affordable option?

  • Shop for a Six-Month Policy: While not technically temporary, a six-month policy can be a cost-effective solution, especially if you find a company with low monthly rates.
  • Look for Short-Term Rental Coverage: Rental car companies often offer optional insurance coverage for the duration of your rental.

Additional Tips:

  • Consider the Grace Period: Missouri has a grace period of 7 to 30 days for newly acquired vehicles to be added to an existing policy. This might be enough time for short-term needs.
  • Compare Rates: Get quotes from multiple insurers before deciding on a policy, even if it's for six months.

What does Missouri homeowner's insurance cover?

Standard policies typically cover your home's structure, belongings, liability protection for injuries on your property, and additional living expenses if your home becomes unlivable.

Does homeowner's insurance cover natural disasters in Missouri?

Yes, most Missouri homeowner's insurance policies cover common natural disasters like tornadoes, hail, and windstorms. However, there are some exceptions. Flood and earthquake insurance are not covered by standard homeowners' policies and may require separate policies or endorsements.


Is homeowner's insurance required in Missouri?

No, homeowner's insurance is not mandatory in Missouri for all homeowners. However, if you have a mortgage on your property, your lender will probably require you to carry homeowner's insurance to protect their financial interest in the home.


About the Author

John Espenschied is a long-time veteran of the insurance industry. He has worked in various positions within the industry for over 20 years, and for the past 15 years, he has been the owner and operator of Insurance Brokers Group, an independent insurance agency. John loves advising people on the insurance that meets their needs and goals, whether it be for personal or commercial purposes.

John is married to Melissa, and they have three children together, as well as three grandchildren. In his spare time, John enjoys golfing and playing in the golf league, biking to their local brewery along the Missouri river, and going on motorcycle rides when the weather is nice.

John Espenschied

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