Saint Louis has 288,512 residents in 144,891 households. We list 41 agencies for health insurance in Saint Louis. Here is what the local numbers say about the cover people here need.

Saint Louis at a glance

41health insurance agencies listed
54.7%of households rentRenters insurance
$197,500median home valueHome insurance
1938median year homes were builtRebuild cost calculator
18.5%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 Saint Louis 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 Saint Louis
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 Saint Louis
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Saint Louis

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

Insurance companies Saint Louis agencies work with

Of the 41 Saint Louis agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare29 agencies
Medicare Advantage21 agencies
Aetna20 agencies
Centene15 agencies
Blue Cross Blue Shield14 agencies
Humana13 agencies
Cigna10 agencies
Devoted Health Plan of Texas,9 agencies
National Pacific Dental,9 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY8 agencies

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

Where Saint Louis agencies are

Saint Louis agencies we list sit in 22 ZIP codes, mostly in St. Louis City.

631418 agencies
631053 agencies
631223 agencies
631273 agencies
631323 agencies
631102 agencies
631142 agencies
631192 agencies
631232 agencies
631021 agency
631031 agency
631111 agency
631171 agency
631181 agency
631241 agency
631261 agency
631291 agency
631311 agency
631361 agency
631381 agency
631441 agency
631461 agency

Questions

Health insurance in Saint Louis

All insurance agencies in Saint Louis · Health insurance across Missouri

Where can I find health insurance in Saint Louis?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does health insurance cover?

Individual and family medical cover outside an employer plan.

Which insurance companies do Saint Louis agencies work with?

Among the 41 Saint Louis agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (29), Medicare Advantage (21), Aetna (20), Centene (15), Blue Cross Blue Shield (14). An appointed agency can quote that company's policies.

Do I need flood insurance in Saint Louis?

FEMA's National Risk Index rates inland flooding risk in St. Louis City as Relatively High compared with other U.S. 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.

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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