4.5+ Stars · O'fallon
Highly Rated Insurance Agents in O'fallon, MO
Only the best make this list. These insurance agents in O'fallon have earned 4.5+ star ratings from real customers — consistently.
As of May 2026, RatingsNearMe ranks 20 insurance agents in O'fallon, MO by verified customer ratings and review volume. The highest-rated is Steinlage Insurance Agency with a 5.0-star rating from 997 verified reviews. Also in the top tier: Jordan Colbert - State Farm Insurance Agent and Sarah Shay - State Farm Insurance Agent. The average rating across all listed insurance agents in O'fallon is 4.8 stars from 163 reviews per business on average.
Insurance in O'fallon: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated May 17, 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
163
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Steinlage Insurance Agency
1021 Peruque Crossing Ct, O'Fallon, MO 63366, USA
Jordan Colbert - State Farm Insurance Agent
2147 W Terra Ln, O'Fallon, MO 63366, USA
Sarah Shay - State Farm Insurance Agent
1120 Technology Dr #117, O'Fallon, MO 63368, USA
Insurance Agents Rankings in O'fallon, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Steinlage Insurance Agency1021 Peruque Crossing Ct, O'Fallon, MO 63366, USA | 5.0★ | 997 |
| #2 | Jordan Colbert - State Farm Insurance Agent2147 W Terra Ln, O'Fallon, MO 63366, USA | 5.0★ | 478 |
| #3 | Sarah Shay - State Farm Insurance Agent1120 Technology Dr #117, O'Fallon, MO 63368, USA | 5.0★ | 289 |
| #4 | Insurance Brokers Group1001 Rondale Ct, O'Fallon, MO 63368, USA | 4.9★ | 214 |
| #5 | Senn Insurance Agency225 S Main St Suite 200, O'Fallon, MO 63366, USA | 5.0★ | 16 |
| #6 | Early Edge Insurance: Allstate Insurance2917 State Hwy K Ste H, O'Fallon, MO 63368, USA | 5.0★ | 121 |
| #7 | Dillehay Insurance Agency7322 Village Center Dr, O'Fallon, MO 63368, USA | 5.0★ | 70 |
| #8 | Jeff Hug Insurance Broker1068 Bryan Rd, O'Fallon, MO 63366, USA | 4.8★ | 16 |
| #9 | UltraCar Insurance LLC.801 S Woodlawn Ave #26, O'Fallon, MO 63366, USA | 4.9★ | 69 |
| #10 | Farmers Insurance - Jason Duree300 Fort Zumwalt Square Ste 100, O'Fallon, MO 63366, USA | 4.9★ | 165 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in O'fallon
Insurance Brokers Group
1001 Rondale Ct, O'Fallon, MO 63368, USA
Senn Insurance Agency
225 S Main St Suite 200, O'Fallon, MO 63366, USA
Early Edge Insurance: Allstate Insurance
2917 State Hwy K Ste H, O'Fallon, MO 63368, USA
Dillehay Insurance Agency
7322 Village Center Dr, O'Fallon, MO 63368, USA
Jeff Hug Insurance Broker
1068 Bryan Rd, O'Fallon, MO 63366, USA
UltraCar Insurance LLC.
801 S Woodlawn Ave #26, O'Fallon, MO 63366, USA
Farmers Insurance - Jason Duree
300 Fort Zumwalt Square Ste 100, O'Fallon, MO 63366, USA
Alternatives Insurance Agency
206 W Terra Ln, O'Fallon, MO 63366, USA
AAA O'Fallon Insurance and Member Services
2277 State Hwy K, O'Fallon, MO 63368, USA
Farmers Insurance - Dawn Johnson
2311 State Hwy K, O'Fallon, MO 63368, USA
Mid-America Specialty Markets
1656 Bryan Rd, O'Fallon, MO 63368, USA
Jim Schilkoski - State Farm Insurance Agent
100 W Pitman St, O'Fallon, MO 63366, USA
Farmers Insurance - Hannah Brown Agency
1171 Bryan Rd, O'Fallon, MO 63366, USA
Nicole Phelps Agency LLC American Family Insurance
2390 State Hwy K, O'Fallon, MO 63368, USA
Mid America Insurance Services, LLC
2017 State Hwy K, O'Fallon, MO 63366, USA
Julie Meyers - State Farm Insurance Agent
2738 State Hwy K, O'Fallon, MO 63368, USA
Jacquelyn Nolan: Allstate Insurance
8915 Veterans Memorial Pkwy, O'Fallon, MO 63366, USA
Get Free Quotes
We'll connect you with the top insurance agents in O'fallon, MO.
Frequently Asked Questions — Insurance Agents in O'fallon
What is the difference between a captive and independent insurance agent in O'fallon?
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 O'fallon 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 O'fallon?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in O'fallon 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
Compare top-rated insurance agents in cities near you.
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: May 17, 2026.
More Home Services in O'fallon
Related Searches
More ways to find insurance agents in O'fallon
Insurance Agents in nearby cities