Top Picks · Ballwin
Best Insurance Agents in Ballwin, MO
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of June 2026, RatingsNearMe ranks 3 insurance agents in Ballwin, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Travis Hesser - State Farm Insurance Agent with a 5.0-star rating from 395 Google reviews and an RNM Score of 88/100. Also in the top tier: Hill Agency & Associates - American Family Insurance and Farmers Insurance - John Ralls. The average rating across all listed insurance agents in Ballwin is 5 stars from 240 reviews per business on average.
Insurance in Ballwin: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
3
Businesses listed
5★
Avg rating
240
Avg reviews
Jun 9, 2026
Last updated
Top Rated Insurance Agents
Insurance Agents Rankings in Ballwin, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Travis Hesser - State Farm Insurance Agent13603 Barrett Office Dr STE 102, Ballwin, MO 63021, USA | 5.0★ | 395 |
| #2 | Hill Agency & Associates - American Family Insurance119 Old State Rd, Ellisville, MO 63021, USA | 4.9★ | 181 |
| #3 | Farmers Insurance - John Ralls113 Old State Rd Suite 204, Ellisville, MO 63021, USA | 5.0★ | 145 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
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Insurance Agents in Ballwin, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Travis Hesser - State Farm Insurance Agent | 88/100 | 5.0 ★ | 395 |
| 2 | Hill Agency & Associates - American Family Insurance | 85/100 | 4.9 ★ | 181 |
| 3 | Farmers Insurance - John Ralls | 85/100 | 5.0 ★ | 145 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
Frequently Asked Questions — Insurance Agents in Ballwin
What is the difference between a captive and independent insurance agent in Ballwin?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in MO?
Search the MO Department of Insurance's online license lookup — Google "MO Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in MO must be licensed with the state.
How much does working with a local insurance agent in Ballwin cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Ballwin?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Ballwin adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 9, 2026.
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