Saint Louis has 288,512 residents in 144,891 households. We list 205 insurance agencies in Saint Louis. Here is what the local numbers say about the cover people here need.

Saint Louis at a glance

205insurance 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 110 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.

Nationwide36 agencies
UnitedHealthcare29 agencies
Travelers26 agencies
Corebridge (AIG Life)25 agencies
Liberty Mutual25 agencies
Pruco Life Insurance Company23 agencies
The Lincoln National Life Insurance Company23 agencies
The Hartford22 agencies
Medicare Advantage21 agencies
Safeco21 agencies

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

What Saint Louis agencies can write

Share of the 205 agencies listed in Saint Louis that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Saint Louis agencies are

Saint Louis agencies we list sit in 30 ZIP codes, mostly in St. Louis City.

6314140 agencies
6312222 agencies
6310520 agencies
6313112 agencies
6314612 agencies
6311910 agencies
6312710 agencies
631239 agencies
631327 agencies
631296 agencies
631015 agencies
631025 agencies
631245 agencies
631264 agencies
631284 agencies
631394 agencies
631444 agencies
631033 agencies
631093 agencies
631143 agencies
631183 agencies
631363 agencies
631102 agencies
631172 agencies

Questions

Insurance agencies in Saint Louis

How do I find an insurance agency 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 insurance can I get from agencies in Saint Louis?

Most often life, accident & health, health, home, auto. Pick a type in the filters to narrow the list.

Which insurance companies do Saint Louis agencies work with?

Among the 110 Saint Louis agencies whose appointments we hold, the companies they are most often appointed with are Nationwide (36), UnitedHealthcare (29), Travelers (26), Corebridge (AIG Life) (25), Liberty Mutual (25). 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.

Do I need renters insurance in Saint Louis?

54.7% of households in Saint Louis rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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