Real Reviews · Columbia
Top-Reviewed Insurance Agents in Columbia, MO
What are customers actually saying? Read verified reviews for insurance agents in Columbia — every rating is from a real customer.
As of June 2026, RatingsNearMe ranks 20 insurance agents in Columbia, MO by verified customer ratings and review volume. The highest-rated is Shelter Gardens with a 4.8-star rating from 947 verified reviews. Also in the top tier: Senior Benefit Services: SBS and Stephanie Wilmsmeyer - State Farm Insurance Agent. The average rating across all listed insurance agents in Columbia is 4.8 stars from 139 reviews per business on average.
Insurance in Columbia: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
139
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
Shelter Gardens
1817 W Broadway, Columbia, MO 65203, USA
Senior Benefit Services: SBS
801 Gray Oak Dr, Columbia, MO 65201, USA
Stephanie Wilmsmeyer - State Farm Insurance Agent
2609 E Broadway Ste 214, Columbia, MO 65201, USA
Insurance Agents Rankings in Columbia, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Shelter Gardens1817 W Broadway, Columbia, MO 65203, USA | 4.8★ | 947 |
| #2 | Senior Benefit Services: SBS801 Gray Oak Dr, Columbia, MO 65201, USA | 5.0★ | 458 |
| #3 | Stephanie Wilmsmeyer - State Farm Insurance Agent2609 E Broadway Ste 214, Columbia, MO 65201, USA | 4.9★ | 232 |
| #4 | Insurance Plus1604 Business Loop 70 W, Columbia, MO 65202, USA | 5.0★ | 90 |
| #5 | Kasmann Insurance Agency116 N Garth Ave, Columbia, MO 65203, USA | 4.7★ | 41 |
| #6 | Acrisure Columbia, MO (Vogel Stuart Insurance Group)29 N 10th St, Columbia, MO 65201, USA | 4.4★ | 115 |
| #7 | Shelter Insurance - Mitch Theede3201 S Providence Rd Ste 203, Columbia, MO 65203, USA | 4.9★ | 77 |
| #8 | Bry Reine Agency LLC American Family Insurance2909 Falling Leaf Ln suite c, Columbia, MO 65201, USA | 5.0★ | 130 |
| #9 | Auto-Owners Insurance Missouri Regional Office1600 E Pointe Dr, Columbia, MO 65201, USA | 4.2★ | 51 |
| #10 | Phyllis Nichols - State Farm Insurance Agent1006 West Blvd N Ste 102, Columbia, MO 65203, USA | 4.9★ | 75 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Columbia
Insurance Plus
1604 Business Loop 70 W, Columbia, MO 65202, USA
Kasmann Insurance Agency
116 N Garth Ave, Columbia, MO 65203, USA
Acrisure Columbia, MO (Vogel Stuart Insurance Group)
29 N 10th St, Columbia, MO 65201, USA
Shelter Insurance - Mitch Theede
3201 S Providence Rd Ste 203, Columbia, MO 65203, USA
Bry Reine Agency LLC American Family Insurance
2909 Falling Leaf Ln suite c, Columbia, MO 65201, USA
Auto-Owners Insurance Missouri Regional Office
1600 E Pointe Dr, Columbia, MO 65201, USA
Phyllis Nichols - State Farm Insurance Agent
1006 West Blvd N Ste 102, Columbia, MO 65203, USA
Harrison Agency Inc
2100 Whitegate Dr, Columbia, MO 65202, USA
Gallaher Insurance Group
401 Locust St Suite 301, Columbia, MO 65201, USA
Meera White - State Farm Insurance Agent
33 E Broadway Ste #175, Columbia, MO 65203, USA
Lisa Cravens - State Farm Insurance Agent
33 E Broadway Ste #175, Columbia, MO 65203, USA
Will Garrett - Missouri Farm Bureau Insurance
2415 Carter Ln #2, Columbia, MO 65201, USA
Justin Hahn - State Farm Insurance Agent
2101 W Broadway Suite 200, Columbia, MO 65203, USA
Farmers Insurance - Matthew Smith
401 Vandiver Dr, Columbia, MO 65202, USA
TIG Advisors
200 E Southampton Dr, Columbia, MO 65203, USA
Goosehead Insurance - Jeremy Kiesewetter
124 E Nifong Blvd Suite C-1, Columbia, MO 65203, USA
Shelter Insurance - Jeremy Hughes
1715 W Worley St Ste A1, Columbia, MO 65203, USA
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Frequently Asked Questions — Insurance Agents in Columbia
What is the difference between a captive and independent insurance agent in Columbia?
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 Columbia 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 Columbia?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Columbia 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.
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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 1, 2026.
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