Auto Insurance Agencies in Chesterfield, MO

Chesterfield at a glance

• 5auto insurance agencies listed
• 22.4%of households rentRenters insurance
• $472,500median home valueHome insurance
• 1982median year homes were builtRebuild cost calculator
• 3.8%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in St. Louis City

FEMA rates the overall natural hazard risk in St. Louis City, where most Chesterfield agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

• TornadoVery High

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Chesterfield
• EarthquakeRelatively High

  Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.

  Earthquake insurance
• Inland floodingRelatively High

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance
• Strong windRelatively High

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Chesterfield
• LightningRelatively High

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Chesterfield

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Missouri

Missouri requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in ChesterfieldHow much liability cover do you need?

Source: revisor.mo.gov. Checked 2026-10-24.

Where Chesterfield agencies are

Chesterfield agencies we list sit in 2 ZIP codes, mostly in St. Louis City.

• 630173 agencies
• 630052 agencies