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2024

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Best Local Car Insurance Agencies in St. Louis, MO

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored St. Louis Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

218Reviewed

138Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

St. Louis, MO

Expertise.com Rating

Review Sources

Google
5.0 (33)
Facebook
5.0 (1)

Why choose this provider?

Gold Finance is an independent team of brokers and agents located in St. Louis. It offers personal, business, and commercial insurance products, including auto, home, health, and life insurance, to clients in the metro and neighboring communities. The agency represents several insurance carriers, such as Progressive, Travelers, Geico, Allstate, Farmers, and The Hartford. Gold Finance also has offices in Chicago, Dallas, Houston, Kansas City, Shreveport, and Tampa Bay. Founder Terry Johnson has been in the industry since 2011.

  • Multiple Carriers

6825 Clayton Ave, Saint Louis, MO 63139

Expertise.com Rating

Review Sources

Google
5.0 (297)
Facebook
4.9 (19)
Yelp
5.0 (2)

Why choose this provider?

Powers Insurance & Risk Management is a family-owned and operated business serving clients in the Saint Louis, Missouri, metro area. It provides consultation and brokerage services for auto insurance policies which consist of coverage for property damage and personal injury along with both mandated and optional liability coverage areas. This agency handles insurance for a variety of vehicles including luxury automobiles, motorcycles, recreational sport vehicles, and watercrafts. Home and business insurance services are also available.

3167 Morganford Road, Saint Louis, MO 63116

Expertise.com Rating

Review Sources

Google
4.9 (399)
Facebook
3.7 (19)
Yelp
2.5 (5)

Why choose this provider?

Bradford O'Neil is an insurance agent who caters to individuals and families in the St. Louis community. He has been working for State Farm for over two decades, providing auto, home, health, life, pet, and business insurance. O'Neil designs auto insurance policies to provide coverage for teen drivers and rental, sports, and classic cars. His additional options include banking, annuities, and mutual funds. O'Neil serves as a member of the National Association of Insurance and Financial Advisors.

  • Multiple Carriers

887 Bolger Court, Fenton, MO 63026
Website

Expertise.com Rating

Why choose this provider?

MJM Insurance is an independent and multi-line risk management company catering to clients in St. Louis. It provides car insurance policies that protect owners against legal and medical expenses resulting from property damage, loss of life, and injuries in the event of accidents, disasters, or theft. Its agents have more than 90 years of combined experience in offering casualty and property insurance policies from several carriers, such as Chubb, Progressive, and Travelers. To provide streamlined services, MJM Insurance has formed an experienced back-office processing team to better serve clients.

  • Bundling Option

3920 S Old Highway 94 Ste 39, Saint Charles, MO 63304

Expertise.com Rating

Review Sources

Google
5.0 (88)
Facebook
5.0 (35)

Why choose this provider?

Lang Insurance has been selling auto insurance to the residents of Saint Louis, Missouri, since 1990. This independent company maintains relationships with large insurance carriers, such as Progressive and Safeco, to offer its clients unique policies that cover uninsured and underinsured motorists, bodily injury, and property damage in the event of an accident. Founder Steve Lang was a recipient of Chairman Council's Top Sales award for five consecutive years while working for another insurance agency.

4586 Telegraph Rd, Saint Louis, MO 63129

Expertise.com Rating

Review Sources

Google
4.6 (25)
Facebook
5.0 (24)

Why choose this provider?

Goetz Insurance Agency LLC, founded in 2006, provides clients in the St. Louis, Missouri and Illinois areas with comparative auto insurance quotes from a variety of insurers to help them receive appropriate levels of coverage. In addition to automobiles, Goetz Insurance Agency writes policies for motorcycles and scooters, RVs, classic cars, and watercraft. Progressive, Allied, and Travelers are just a few of the insurers Goetz works with; these three offer clients one-stop services on personal and commercial auto insurance policies.

9545 Yuma Dr, Saint Louis, MO 63123

Expertise.com Rating

Review Sources

Google
4.9 (37)
Facebook
5.0 (24)

Why choose this provider?

Clayton-Hanley Insurance Service Inc. is a local independent insurance broker serving the St. Louis, Missouri, area. The company offers liability, no-fault, collision and comprehensive auto insurance, working with major insurance providers to help clients find affordable rates on auto coverage required by Missouri law. Customers can request an auto insurance quote on the company website. Clayton-Hanley Insurance also offers home, business, and life insurance. Agents are licensed to write policies in Missouri and Illinois.

4615 S Lindbergh Blvd, Saint Louis, MO 63127

Expertise.com Rating

Review Sources

Google
4.1 (7)

Why choose this provider?

Founded in 1952, Miller & Miller Insurance Agency is an independent, family-owned and operated insurance company located in Saint Louis, Missouri. Auto policy specialists work with multiple insurance carriers, such as Travelers, Safeco, and The Hartford, to offer drivers quality coverage at a price within their budget. Options include property damage, bodily harm, medical payment, liability, uninsured and underinsured motorist, and comprehensive and collision coverage. Discounts are available for drivers over 55, multi-vehicle policies, and anti-theft devices.

571 Jefferson St, Saint Charles, MO 63301

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Located in Saint Charles, Missouri, Webb Insurance is a full-service insurance agency founded in 1979 that sells auto insurance throughout the Saint Louis metro area. Webb Insurance provides auto coverage that includes protection against liability as well as collision and comprehensive coverage, including discounts for defensive driving courses, having home insurance through the same carrier, good grades, age milestones, mature discounts, and accident-free driving histories. As an independent insurance agency, it offers commercial and personal insurance products through reputable carriers.

100 Rue Saint Francois St Ste 207, Florissant, MO 63031

Expertise.com Rating

Review Sources

Google
4.6 (10)

Why choose this provider?

Founded in 1963, the Milburn Agency is an independent insurance brokerage located in the Saint Louis, Missouri, metro area that also assists drivers in Illinois. Auto policy brokers work with several top carriers, including AARP, The Hartford, Progressive, and Nationwide, to find clients the best possible coverage at fair rates. It also helps with discounts for bundling auto policies with home insurance and savings options for good credit and students taking driver's education courses and offers motorcycle and life coverage.

2031 South Big Bend Blvd, St. Louis, MO 63117

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

For more than 25 years, Douglas & Associates Insurance Agency has been providing services to individuals, families, and businesses in St. Louis and the surrounding areas. It assists clients in obtaining auto insurance to cover their vehicles in case of an accident or loss. It includes liability, collision, comprehensive coverage, and medical payments. It offers other products, including homeowners', life, health, landlord, and business insurance. The locally operated independent agency represents various insurance companies, such as Liberty Mutual, Metlife, and AIG. 

  • Multiple Carriers

4601 Hampton Avenue, Saint Louis, MO 63109

Expertise.com Rating

Review Sources

Google
4.9 (43)
Facebook
5.0 (16)
Yelp
3.0 (2)

Why choose this provider?

Jason Foust has been helping clients in St. Louis apply for car insurance policies since 2019. He provides car insurance products that cover vehicle collision, rental, and rideshare. He also gives clients comprehensive insurance options covering repair or replacement expenses due to natural disasters, fire, and theft damages. These car insurance policies also cover uninsured or underinsurance motorists, emergency roadside service, medical treatments, and liability expenses. Foust is also available to guide clients that want to combine their auto and home insurance policies.

1227 Fern Ridge Pkwy, Saint Louis, MO 63141

Expertise.com Rating

Review Sources

Facebook
4.0 (13)
Google
4.3 (11)

Why choose this provider?

MGI Risk Advisors is an insurance company that helps motorists in St. Louis with a range of car insurance options. It works with over 500 carriers across the country. The company's auto insurance policy covers collisions, medical expenses, property, and comprehensive damage, theft, and roadside assistance. Though car insurance is required by law, MGI Risk Advisors does not believe in a one-size-fits-all policy and its financial advisors work with its clients to guide them in choosing dependable and competitive options.

131 N Bellwood Dr Ste D, East Alton, IL 62024

Expertise.com Rating

Why choose this provider?

Partners Insurance Agency is one of several independent insurance agencies and a member of the National Independent Insurance Agents Association providing auto insurance services to clients in the Saint Louis, Missouri, metro area. This agency works with multiple providers, allowing customers to compare rates from several different underwriters within the same category. It typically structures policies to cover property damage, personal injury, and liability related to car accidents, along with optional coverage areas. Partners Insurance Agency also covers teenage drivers.

4438 Chippewa St, Saint Louis, MO 63116

Expertise.com Rating

Review Sources

Google
4.4 (34)

Why choose this provider?

AABCO National Insurance Agency is a family-owned business serving clients in the St. Louis metro and the surrounding areas. It helps individuals secure their investments from damages due to fire and flood by offering car, motorcycle, recreational vehicle, and boat insurance products. It also caters to clients applying for homeowners insurance policies to protect their finances, loved ones, and residential properties. The company's team brings over 100 years of combined experience in the insurance industry.

  • RV & Motorhome

3407 S Jefferson Ave #181, St. Louis, MO 63118

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

U First Insurance Agency serves individuals and businesses in the St. Louis metro. The agency offers a range of insurance products for different needs, including homeowner, auto, life, worker compensation, and personal liability insurance. Its agents help car owners find policies with an ideal combination of price and coverage for their vehicles. As an independent insurance agency, it has access to a wide network of carriers. The agents also assist policyholders with filing claims and switching from one insurance carrier to another.

  • Bundling Option

9800 Watson Rd Ste 4, Saint Louis, MO 63126

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Crestwood Insurance Agency is an independent insurance agency based in St. Louis, Missouri, and serves the states of Illinois and Texas as well. With more than 25 years of service in the community, the agency works with a range of major firms that specialize in automobile insurance. Experienced agents help clients select from a range of comprehensive auto insurance packages for accident, liability, and passenger injury coverage. Crestwood Insurance Agency also provides customized business, personal, life, and homeowners insurance policies.

12015 Manchester Rd Ste 115, Saint Louis, MO 63131

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

O'Shea-Ward Insurance Group serves clients in the Saint Louis, Missouri, metro area, offering auto insurance policies for coverage of repair or replacement, personal injury, and liability. Besides common vehicles, this agency also handles policies for antique and classic cars, high-value luxury vehicles, and boats. It offers businesses large-scale policies for commercial fleets of cars and trucks. Other practice areas include insurance for homes, businesses, and personal concerns including property, health and life insurance.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Gold Finance
St. Louis, MO
Powers Insurance & Risk Management
6825 Clayton Ave, Saint Louis, MO 63139
Bradford O'Neil
3167 Morganford Road, Saint Louis, MO 63116
MJM Insurance
887 Bolger Court, Fenton, MO 63026
Lang Insurance
3920 S Old Highway 94 Ste 39, Saint Charles, MO 63304
Goetz Insurance Agency LLC
4586 Telegraph Rd, Saint Louis, MO 63129
Clayton-Hanley Insurance Service, Inc.
9545 Yuma Dr, Saint Louis, MO 63123
Miller & Miller Insurance Agency
4615 S Lindbergh Blvd, Saint Louis, MO 63127
Webb Insurance
571 Jefferson St, Saint Charles, MO 63301
The Milburn Agency
100 Rue Saint Francois St Ste 207, Florissant, MO 63031
Douglas & Associates Insurance Agency
2031 South Big Bend Blvd, St. Louis, MO 63117
Jason Foust
4601 Hampton Avenue, Saint Louis, MO 63109
MGI Risk Advisors
1227 Fern Ridge Pkwy, Saint Louis, MO 63141
Partners Insurance Agency
131 N Bellwood Dr Ste D, East Alton, IL 62024
AABCO National Insurance Agency
4438 Chippewa St, Saint Louis, MO 63116
U First Insurance Agency
3407 S Jefferson Ave #181, St. Louis, MO 63118
Crestwood Insurance Agency
9800 Watson Rd Ste 4, Saint Louis, MO 63126
O'Shea-Ward Insurance Group
12015 Manchester Rd Ste 115, Saint Louis, MO 63131

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Can you get car insurance in St. Louis if you do not have a driver's license?

    Yes, you can still purchase car insurance in St. Louis without a driver's license because Missouri laws require insurance for the vehicle and not the driver. However, the process of getting insurance will be more complex. You will be required by the insurer to name a licensed driver and provide details about them.

  • Do traffic infractions affect your insurance rates in St. Louis?

    Yes, the more severe the traffic infraction or driving violation, the more significant the increase in car insurance rates. Drivers in St. Louis who fail to provide proof of insurance can see an increase in their premiums. Those who have driving violations such as speeding, DUI, and reckless can expect significant increases in premiums. Over the long term, these driving behaviors can have a significant impact on a driver's finances. However, there are ways of mitigating the impacts, and one of these is taking defensive driving lessons.

  • Do you need to go to the municipal court in St. Louis for a minor traffic citation?

    There are certain minor traffic citations that only require you to pay fines without having to appear at the City Court located at 1520 Market, Suite 1120, St. Louis, MO 63103. To know if you need not go to court, call customer service at (314) 622-3231 during regular office hours. In general, serious infractions such as going over the speed limit, leaving an accident scene, and driving with a suspended license require a court appearance.

  • What are the ways a resident of St. Louis can meet the car insurance law requirements?

    Residents of St. Louis should be able to comply with the insurance laws by having the appropriate coverage at all times. This includes always keeping proof of the insurance policy on vehicles and meeting the “25/50/25" minimum liability limit. The Department of Revenue may also require residents to file proof of financial responsibility. Companies or organizations can be asked by the Department of Revenue to submit a certificate of self-insurance.

  • Is personal injury protection coverage required in St. Louis?

    No. This is because Missouri follows at-fault car accident laws, therefore, personal injury protection (PIP) coverage is not required in St. Louis. Under these laws, an accident victim can sue the at-fault driver to get compensation for the losses incurred. If there is PIP insurance, it can be the source of compensation for accident victims' medical bills and lost wages.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.