Best Value · St. Louis
Affordable Insurance Agents in St. Louis, MO
Find quality insurance agents that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of June 2026, RatingsNearMe ranks 19 insurance agents in St. Louis, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is POWERS Insurance and Risk Management with a 5.0-star rating from 459 Google reviews and an RNM Score of 100/100. Also in the top tier: Freeway Insurance and Partners Insurance Inc.. The average rating across all listed insurance agents in St. Louis is 4.9 stars from 226 reviews per business on average.
Insurance in St. Louis: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Elevated Insurance Group
Elevated Insurance Group stands out for its top ranking and strong reputation for personalized service and comprehensive coverage options.
Most Reviewed
Melissa Carlton - State Farm Insurance Agent
A high review count indicates a large base of customer experiences, which can help you gauge consistent service quality and reliability.
When choosing an insurance agent in St. Louis, compare quotes from multiple agencies and read recent reviews to ensure the agent understands your specific needs, such as local weather risks or auto coverage requirements.
Local Market Snapshot
19
Businesses listed
4.9★
Avg rating
226
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Top-rated St. Louis insurance agent with 5.0 stars from over 450 reviews.
6825 Clayton Ave #200, St. Louis, MO 63139, USATop-rated St. Louis insurance agent with a 4.9-star rating from nearly 400 reviews.
4721 S Kingshighway Blvd, St. Louis, MO 63109, USATrusted St. Louis insurance agent with a 4.9-star rating from over 250 reviews.
11500 Olive Blvd #258, Creve Coeur, MO 63141, USAInsurance Agents Rankings in St. Louis, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | POWERS Insurance and Risk Management6825 Clayton Ave #200, St. Louis, MO 63139, USA | 5.0★ | 459 |
| #2 | Freeway Insurance4721 S Kingshighway Blvd, St. Louis, MO 63109, USA | 4.9★ | 396 |
| #3 | Partners Insurance Inc.11500 Olive Blvd #258, Creve Coeur, MO 63141, USA | 4.9★ | 255 |
| #4 | Elevated Insurance Group345 Marshall Ave Ste 200, St. Louis, MO 63119, USA | 4.9★ | 176 |
| #5 | Signorelli Insurance1001 Highlands Plaza Dr Suite 500A, St. Louis, MO 63110, USA | 5.0★ | 20 |
| #6 | Goetz Insurance Agency4586 Telegraph Rd, St. Louis, MO 63129, USA | 4.9★ | 190 |
| #7 | Lp Miceli Inc3470 Hampton Ave s106, St. Louis, MO 63139, USA | 4.9★ | 144 |
| #8 | The Star Agency (Insurance)2027 S 11th St, St. Louis, MO 63104, USA | 4.6★ | 18 |
| #9 | Insurance Advisors of St. Louis3801 S Kingshighway Blvd, St. Louis, MO 63109, USA | 4.5★ | 16 |
| #10 | Valley Insurance Agency Alliance LLC (VIAA)6825 Clayton Ave #200, St. Louis, MO 63139, USA | 5.0★ | 149 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in St. Louis
Exceptional 4.9-star rating from over 170 Google reviews.
345 Marshall Ave Ste 200, St. Louis, MO 63119, USA
Exceptional 5.0-star rating from over 20 Google reviews in St. Louis.
1001 Highlands Plaza Dr Suite 500A, St. Louis, MO 63110, USA
Exceptional 4.9-star rating from nearly 200 Google reviews for St. Louis insurance.
4586 Telegraph Rd, St. Louis, MO 63129, USA
Top-rated St. Louis insurance agent with 4.9 stars from over 140 reviews.
3470 Hampton Ave s106, St. Louis, MO 63139, USA
Proudly rated 4.6 stars from 18 Google reviews by local St. Louis clients.
2027 S 11th St, St. Louis, MO 63104, USA
Earned a strong 4.5-star rating from 16 Google reviews in St. Louis.
3801 S Kingshighway Blvd, St. Louis, MO 63109, USA
5.0-star rating from 149 Google reviews in St. Louis.
6825 Clayton Ave #200, St. Louis, MO 63139, USA
Top-rated St. Louis insurance agent with a 4.9-star rating from over 150 reviews.
401 Pine St #7, St. Louis, MO 63102, USA
Trusted by hundreds of St. Louis clients, this agent holds a flawless 5.0-star rating.
652 N New Ballas Rd, St. Louis, MO 63141, USA
4.9-star rating from nearly 600 Google reviews confirms exceptional local service.
7227 Southwest Ave, St. Louis, MO 63143, USA
Rated 4.9 stars from 219 reviews, this St. Louis insurance agent is highly trusted.
8131 Delmar Blvd, St. Louis, MO 63130, USA
Rated 5.0 stars from over 1,100 reviews, this St. Louis agency is exceptionally trusted.
8330 Watson Rd #101, St. Louis, MO 63119, USA
4.7 stars from 26 reviews; highly trusted St. Louis insurance agent.
4657 Hampton Ave, St. Louis, MO 63109, USA
Rated 5.0 stars from nearly 100 reviews, this St. Louis agency is highly trusted.
7127 S Lindbergh Blvd, St. Louis, MO 63125, USA
A trusted St. Louis insurance agent with a 4.8★ rating from 56 Google reviews.
11400 Concord Village Ave #D, St. Louis, MO 63123, USA
Trusted St. Louis insurance agent with a strong 4.5-star rating from 20 reviews.
4249 S Kingshighway Blvd, St. Louis, MO 63109, USA
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Insurance Agents in St. Louis, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | POWERS Insurance and Risk Management | 100/100 | 5.0 ★ | 459 |
| 2 | Freeway Insurance | 98/100 | 4.9 ★ | 396 |
| 3 | Partners Insurance Inc. | 98/100 | 4.9 ★ | 255 |
| 4 | Elevated Insurance Group | 96/100 | 4.9 ★ | 176 |
| 5 | Signorelli Insurance | 87/100 | 5.0 ★ | 20 |
| 6 | Goetz Insurance Agency | 97/100 | 4.9 ★ | 190 |
| 7 | Lp Miceli Inc | 95/100 | 4.9 ★ | 144 |
| 8 | The Star Agency (Insurance) | 79/100 | 4.6 ★ | 18 |
| 9 | Insurance Advisors of St. Louis | 77/100 | 4.5 ★ | 16 |
| 10 | Valley Insurance Agency Alliance LLC (VIAA) | 89/100 | 5.0 ★ | 149 |
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 St. Louis
What is the difference between a captive and independent insurance agent in St. Louis?
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 St. Louis 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 St. Louis?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in St. Louis 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 10, 2026.
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