Missouri has 6,191,814 residents. We list 234 agencies for health insurance in Missouri. Here is what the local numbers say about the cover people here need.

Missouri at a glance

234health insurance agencies listed
31.9%of households rentRenters insurance
$230,300median home valueHome insurance
1978median year homes were builtRebuild cost calculator
6.6%of households have no carAuto insurance
5.2%of homes are mobile homesMobile home insurance

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

Natural hazard risk across Missouri

How many of Missouri’s 114 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Ice storm38 of 114 counties
Very High in Greene County, Dallas County, Taney County and 5 more.
Strong wind19 of 114 counties
Very High in Stone County, Jefferson County, St. Charles County.
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 Missouri
Lightning10 of 114 counties
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Missouri
Tornado8 of 114 counties
Very High in Jackson County, St. Louis City.
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Missouri
Winter weather8 of 114 counties
Very High in Greene County.
Inland flooding3 of 114 counties
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 in every state

Source: FEMA National Risk Index, December 2025 release.

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 Missouri How much liability cover do you need?

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

Insurance companies Missouri agencies work with

Of the 234 Missouri agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Medicare Advantage171 agencies
UnitedHealthcare165 agencies
Centene130 agencies
Aetna116 agencies
Devoted Health Plan of Texas,73 agencies
Humana72 agencies
Blue Cross Blue Shield51 agencies
National Pacific Dental,45 agencies
Ameritas Life Insurance42 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY42 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Health insurance in Missouri

All insurance agencies in Missouri · Health insurance in every state

Where can I find health insurance in Missouri?

Pick your city in the list on this page to see every agency there that offers health insurance, or search by name or ZIP code.

What does health insurance cover?

Individual and family medical cover outside an employer plan.

Which insurance companies do Missouri agencies work with?

Among the 234 Missouri agencies whose appointments we hold, the companies they are most often appointed with are Medicare Advantage (171), UnitedHealthcare (165), Centene (130), Aetna (116), Devoted Health Plan of Texas, (73). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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