Pricing Guide · Columbia
Insurance Agents Cost in Columbia, MO — 2026 Price Guide
What should you pay for insurance agents in Columbia? See real 2026 price ranges from local pros and get free quotes to compare.
As of June 2026, RatingsNearMe ranks 20 insurance agents in Columbia, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Shelter Gardens with a 4.8-star rating from 947 Google reviews and an RNM Score of 85/100. 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 13, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Auto-Owners Insurance Missouri Regional Office
As the regional office of a reputable insurer, they combine local expertise with extensive resources to deliver reliable coverage.
Most Reviewed
Shelter Insurance - Jeremy Hughes
A high review count signals proven customer trust and consistent service quality, which is crucial when selecting an agent.
When choosing an insurance agent in Columbia, prioritize those with strong local reputations and transparent communication; getting multiple quotes helps ensure you find the best value and coverage fit.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
139
Avg reviews
Jun 13, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of customers with an exceptional 4.8-star rating.
1817 W Broadway, Columbia, MO 65203, USA5.0 stars from nearly 500 reviews makes this Columbia insurance agent a trusted choice.
801 Gray Oak Dr, Columbia, MO 65201, USAA local insurance agent with a flawless 4.9-star rating from over 230 reviews.
2609 E Broadway Ste 214, Columbia, MO 65201, USAInsurance 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 | Auto-Owners Insurance Missouri Regional Office1600 E Pointe Dr, Columbia, MO 65201, USA | 4.2★ | 51 |
| #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 | Insurance Plus1604 Business Loop 70 W, Columbia, MO 65202, USA | 5.0★ | 90 |
| #8 | Shelter Insurance - Mitch Theede3201 S Providence Rd Ste 203, Columbia, MO 65203, USA | 4.9★ | 77 |
| #9 | Will Garrett - Missouri Farm Bureau Insurance2415 Carter Ln #2, Columbia, MO 65201, USA | 4.8★ | 51 |
| #10 | Shelter Insurance - Jeremy Hughes1715 W Worley St Ste A1, Columbia, MO 65203, USA | 4.9★ | 49 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Columbia
Trusted Columbia insurance agent with a solid 4.2★ rating from 51 Google reviews.
1600 E Pointe Dr, Columbia, MO 65201, USA
4.7 stars from 41 reviews, reflecting strong local trust and service.
116 N Garth Ave, Columbia, MO 65203, USA
Columbia, MO insurance agent with a 4.4-star rating from 115 Google reviews.
29 N 10th St, Columbia, MO 65201, USA
5.0 stars from 90 Google reviews make this Columbia insurance agent highly trusted.
1604 Business Loop 70 W, Columbia, MO 65202, USA
Exceptional 4.9-star rating from 77 Google reviews in Columbia, MO.
3201 S Providence Rd Ste 203, Columbia, MO 65203, USA
4.8-star rating from over 50 Google reviews highlights trusted local service.
2415 Carter Ln #2, Columbia, MO 65201, USA
49 Google reviews give this Columbia insurance agent a stellar 4.9-star rating.
1715 W Worley St Ste A1, Columbia, MO 65203, USA
This local agency holds a solid 4.3-star rating from 43 Google reviews.
401 Vandiver Dr, Columbia, MO 65202, USA
Trusted by hundreds of clients with a 4.8-star average rating.
2101 W Broadway Suite 200, Columbia, MO 65203, USA
Trusted by locals with a 4.9-star rating from over 130 reviews.
33 E Broadway Ste #175, Columbia, MO 65203, USA
Trusted by dozens of local clients, earning an exceptional 4.8-star rating.
33 E Broadway Ste #175, Columbia, MO 65203, USA
Earning a perfect 5.0-star rating from 10 Google reviews in Columbia, MO.
401 Locust St Suite 301, Columbia, MO 65201, USA
Exceptional 4.8-star rating from 6 Google reviews for a Columbia, MO insurance agent.
200 E Southampton Dr, Columbia, MO 65203, USA
Trusted by over 130 clients, this Columbia insurance agent holds a perfect 5.0-star rating.
2909 Falling Leaf Ln suite c, Columbia, MO 65201, USA
4.9-star rating from 46 reviews, reflecting exceptional local client satisfaction.
124 E Nifong Blvd Suite C-1, Columbia, MO 65203, USA
4.9-star rating from 75 Google reviews, reflecting consistent client satisfaction in Columbia.
1006 West Blvd N Ste 102, Columbia, MO 65203, USA
4.5 stars from 11 Google reviews for a Columbia insurance agent.
2100 Whitegate Dr, Columbia, MO 65202, USA
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Insurance Agents in Columbia, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Shelter Gardens | 85/100 | 4.8 ★ | 947 |
| 2 | Senior Benefit Services: SBS | 88/100 | 5.0 ★ | 458 |
| 3 | Stephanie Wilmsmeyer - State Farm Insurance Agent | 86/100 | 4.9 ★ | 232 |
| 4 | Auto-Owners Insurance Missouri Regional Office | 66/100 | 4.2 ★ | 51 |
| 5 | Kasmann Insurance Agency | 74/100 | 4.7 ★ | 41 |
| 6 | Acrisure Columbia, MO (Vogel Stuart Insurance Group) | 74/100 | 4.4 ★ | 115 |
| 7 | Insurance Plus | 83/100 | 5.0 ★ | 90 |
| 8 | Shelter Insurance - Mitch Theede | 80/100 | 4.9 ★ | 77 |
| 9 | Will Garrett - Missouri Farm Bureau Insurance | 76/100 | 4.8 ★ | 51 |
| 10 | Shelter Insurance - Jeremy Hughes | 78/100 | 4.9 ★ | 49 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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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.
Insurance Agents in Nearby Cities
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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 13, 2026.
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