10+ Years · St. Louis
Experienced Insurance Agents in St. Louis, MO
Experience matters. These insurance agents in St. Louis have years of proven work behind them — and the reviews to back it up.
As of May 2026, RatingsNearMe ranks 19 insurance agents in St. Louis, MO by verified customer ratings and review volume. The highest-rated is Melissa Carlton - State Farm Insurance Agent with a 5.0-star rating from 1,125 verified reviews. Also in the top tier: POWERS Insurance and Risk Management and Freeway Insurance. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
4.9★
Avg rating
226
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Melissa Carlton - State Farm Insurance Agent
8330 Watson Rd #101, St. Louis, MO 63119, USA
POWERS Insurance and Risk Management
6825 Clayton Ave #200, St. Louis, MO 63139, USA
Freeway Insurance
4721 S Kingshighway Blvd, St. Louis, MO 63109, USA
Insurance Agents Rankings in St. Louis, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Melissa Carlton - State Farm Insurance Agent8330 Watson Rd #101, St. Louis, MO 63119, USA | 5.0★ | 1,125 |
| #2 | POWERS Insurance and Risk Management6825 Clayton Ave #200, St. Louis, MO 63139, USA | 5.0★ | 459 |
| #3 | Freeway Insurance4721 S Kingshighway Blvd, St. Louis, MO 63109, USA | 4.9★ | 396 |
| #4 | Southtown Insurance Agency7127 S Lindbergh Blvd, St. Louis, MO 63125, USA | 5.0★ | 97 |
| #5 | Partners Insurance Inc.11500 Olive Blvd #258, Creve Coeur, MO 63141, USA | 4.9★ | 255 |
| #6 | Tom Gerber - Premier Insurance Agency11400 Concord Village Ave #D, St. Louis, MO 63123, USA | 4.8★ | 56 |
| #7 | Lp Miceli Inc3470 Hampton Ave s106, St. Louis, MO 63139, USA | 4.9★ | 144 |
| #8 | Signorelli Insurance1001 Highlands Plaza Dr Suite 500A, St. Louis, MO 63110, USA | 5.0★ | 20 |
| #9 | St. Louis Insurers Inc4249 S Kingshighway Blvd, St. Louis, MO 63109, USA | 4.5★ | 20 |
| #10 | Goetz Insurance Agency4586 Telegraph Rd, St. Louis, MO 63129, USA | 4.9★ | 190 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in St. Louis
Southtown Insurance Agency
7127 S Lindbergh Blvd, St. Louis, MO 63125, USA
Partners Insurance Inc.
11500 Olive Blvd #258, Creve Coeur, MO 63141, USA
Tom Gerber - Premier Insurance Agency
11400 Concord Village Ave #D, St. Louis, MO 63123, USA
Signorelli Insurance
1001 Highlands Plaza Dr Suite 500A, St. Louis, MO 63110, USA
St. Louis Insurers Inc
4249 S Kingshighway Blvd, St. Louis, MO 63109, USA
Goetz Insurance Agency
4586 Telegraph Rd, St. Louis, MO 63129, USA
Insurance Advisors of St. Louis
3801 S Kingshighway Blvd, St. Louis, MO 63109, USA
Norrell Insurance Agency
401 Pine St #7, St. Louis, MO 63102, USA
Valley Insurance Agency Alliance LLC (VIAA)
6825 Clayton Ave #200, St. Louis, MO 63139, USA
Elevated Insurance Group
345 Marshall Ave Ste 200, St. Louis, MO 63119, USA
R T Thomas Insurance, LLC
8131 Delmar Blvd, St. Louis, MO 63130, USA
The Star Agency (Insurance)
2027 S 11th St, St. Louis, MO 63104, USA
Bradford O'Neil - State Farm Insurance Agent
7227 Southwest Ave, St. Louis, MO 63143, USA
Kreismann Bayer Insurance Agency
652 N New Ballas Rd, St. Louis, MO 63141, USA
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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.
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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: May 17, 2026.
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