Licensed · O'fallon
Licensed & Insured Insurance Agents in O'fallon, MO
Every insurance agents listed here carries proper licensing and insurance in MO. Protect yourself — always verify credentials before work begins.
As of July 2026, RatingsNearMe ranks 20 insurance agents in O'fallon, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Steinlage Insurance Agency with a 5.0-star rating from 997 Google reviews and an RNM Score of 88/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Julie Meyers - State Farm Insurance Agent
Julie Meyers is consistently top-ranked for her personalized service and strong community reputation in O'Fallon.
Most Reviewed
Julie Meyers - State Farm Insurance Agent
A high number of reviews indicates broad customer experience and trust in the agent's reliability.
When choosing an insurance agent in O'Fallon, consider both the agent's local reputation and the range of policies they offer to ensure they meet your specific needs.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
163
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
O'Fallon's top-rated insurance agent with a perfect 5.0 from nearly 1,000 reviews.
1021 Peruque Crossing Ct, O'Fallon, MO 63366, USATrusted by hundreds of local clients, this O'Fallon agent holds a perfect 5.0★ rating.
2147 W Terra Ln, O'Fallon, MO 63366, USAExceptional 5.0-star rating from nearly 300 Google reviews.
1120 Technology Dr #117, O'Fallon, MO 63368, USAInsurance 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 | Senn Insurance Agency225 S Main St Suite 200, O'Fallon, MO 63366, USA | 5.0★ | 16 |
| #5 | Jeff Hug Insurance Broker1068 Bryan Rd, O'Fallon, MO 63366, USA | 4.8★ | 16 |
| #6 | Jacquelyn Nolan: Allstate Insurance8915 Veterans Memorial Pkwy, O'Fallon, MO 63366, USA | 4.2★ | 59 |
| #7 | AAA O'Fallon Insurance and Member Services2277 State Hwy K, O'Fallon, MO 63368, USA | 3.7★ | 46 |
| #8 | Farmers Insurance - Dawn Johnson2311 State Hwy K, O'Fallon, MO 63368, USA | 4.7★ | 37 |
| #9 | Alternatives Insurance Agency206 W Terra Ln, O'Fallon, MO 63366, USA | 4.7★ | 37 |
| #10 | Farmers Insurance - Hannah Brown Agency1171 Bryan Rd, O'Fallon, MO 63366, USA | 5.0★ | 26 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in O'fallon
Rated 5.0 stars from 16 Google reviews, trusted by dozens of local clients.
225 S Main St Suite 200, O'Fallon, MO 63366, USA
Trusted O'Fallon insurance agent with a 4.8-star rating from 16 reviews.
1068 Bryan Rd, O'Fallon, MO 63366, USA
Trusted O'Fallon insurance agent with a solid 4.2-star rating from 59 reviews.
8915 Veterans Memorial Pkwy, O'Fallon, MO 63366, USA
46 Google reviews give this O'Fallon insurance agent a 3.7-star average rating.
2277 State Hwy K, O'Fallon, MO 63368, USA
Rated 4.7 stars from 37 Google reviews, this O'Fallon insurance agent is highly trusted.
2311 State Hwy K, O'Fallon, MO 63368, USA
4.7 stars from 37 reviews, reflecting strong local trust and service.
206 W Terra Ln, O'Fallon, MO 63366, USA
Rated 5.0 stars from 26 Google reviews, this O'Fallon insurance agent is highly trusted.
1171 Bryan Rd, O'Fallon, MO 63366, USA
Rated 4.9 stars from 287 Google reviews, this O'Fallon insurance agent is highly trusted.
2738 State Hwy K, O'Fallon, MO 63368, USA
O'Fallon's top-rated insurance agent with 4.9 stars from over 160 Google reviews.
100 W Pitman St, O'Fallon, MO 63366, USA
Exceptional 5.0-star rating from over 145 Google reviews in O'Fallon.
1656 Bryan Rd, O'Fallon, MO 63368, USA
5.0-star insurance agent in O'Fallon with hundreds of glowing customer reviews.
2917 State Hwy K Ste H, O'Fallon, MO 63368, USA
Rated 5.0 stars from 70 reviews, this O'Fallon insurance agent is highly trusted.
7322 Village Center Dr, O'Fallon, MO 63368, USA
Trusted by locals with a 4.9-star rating from 69 Google reviews.
801 S Woodlawn Ave #26, O'Fallon, MO 63366, USA
5.0★ rating from 15 Google reviews reflects strong local customer satisfaction.
2390 State Hwy K, O'Fallon, MO 63368, USA
A 5.0-star rating from a few Google reviews reflects exceptional customer satisfaction.
2017 State Hwy K, O'Fallon, MO 63366, USA
Trusted by hundreds, this O'Fallon insurance agent holds a stellar 4.9-star average rating.
1001 Rondale Ct, O'Fallon, MO 63368, USA
O'Fallon insurance agent with a 4.9-star rating from over 160 Google reviews.
300 Fort Zumwalt Square Ste 100, O'Fallon, MO 63366, USA
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Insurance Agents in O'fallon, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Steinlage Insurance Agency | 88/100 | 5.0 ★ | 997 |
| 2 | Jordan Colbert - State Farm Insurance Agent | 88/100 | 5.0 ★ | 478 |
| 3 | Sarah Shay - State Farm Insurance Agent | 88/100 | 5.0 ★ | 289 |
| 4 | Senn Insurance Agency | 74/100 | 5.0 ★ | 16 |
| 5 | Jeff Hug Insurance Broker | 70/100 | 4.8 ★ | 16 |
| 6 | Jacquelyn Nolan: Allstate Insurance | 67/100 | 4.2 ★ | 59 |
| 7 | AAA O'Fallon Insurance and Member Services | 57/100 | 3.7 ★ | 46 |
| 8 | Farmers Insurance - Dawn Johnson | 73/100 | 4.7 ★ | 37 |
| 9 | Alternatives Insurance Agency | 73/100 | 4.7 ★ | 37 |
| 10 | Farmers Insurance - Hannah Brown Agency | 76/100 | 5.0 ★ | 26 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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
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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: July 4, 2026.
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