Chesterfield has 49,574 residents in 20,811 households. We list 15 agencies for life insurance in Chesterfield. Here is what the local numbers say about the cover people here need.

Chesterfield at a glance

15life 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 Chesterfield How much liability cover do you need?

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

Insurance companies Chesterfield agencies work with

Of the 15 Chesterfield agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Nationwide9 agencies
Centene7 agencies
Medicare Advantage7 agencies
Aetna5 agencies
Principal5 agencies
UnitedHealthcare5 agencies
Ameritas Life Insurance4 agencies
Blue Cross Blue Shield4 agencies
Corebridge (AIG Life)4 agencies
Humana4 agencies

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

Where Chesterfield agencies are

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

6301712 agencies
630053 agencies

Questions

Life insurance in Chesterfield

All insurance agencies in Chesterfield · Life insurance across Missouri

Where can I find life insurance in Chesterfield?

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 life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Chesterfield agencies work with?

Among the 15 Chesterfield agencies whose appointments we hold, the companies they are most often appointed with are Nationwide (9), Centene (7), Medicare Advantage (7), Aetna (5), Principal (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Chesterfield?

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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