Saint Peters has 59,092 residents in 24,591 households. We list 14 insurance agencies in Saint Peters. Here is what the local numbers say about the cover people here need.

Saint Peters at a glance

14insurance agencies listed
21%of households rentRenters insurance
$269,900median home valueHome insurance
1988median year homes were builtRebuild cost calculator
3%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. Charles County

FEMA rates the overall natural hazard risk in St. Charles County, where most Saint Peters agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Strong windVery 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 Peters
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Saint Peters
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Saint Peters
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
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Saint Peters

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 Saint Peters How much liability cover do you need?

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

What Saint Peters agencies can write

Share of the 14 agencies listed in Saint Peters 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.

Questions

Insurance agencies in Saint Peters

How do I find an insurance agency in Saint Peters?

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 Peters?

Most often home, auto, boat, life, renters. Pick a type in the filters to narrow the list.

Do I need flood insurance in Saint Peters?

FEMA's National Risk Index rates inland flooding risk in St. Charles County 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 Peters?

21% of households in Saint Peters 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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