The auto insurance industry in Missouri plays a critical role in safeguarding drivers and their assets against risks on the road. Comprising a mix of large corporations and small independent agencies, these companies offer a variety of insurance products that include personal car, motorcycle, and commercial vehicle coverage. With advancements in technology, many firms in the state are now integrating digital tools for streamlined claims processing and customer service. As sustainability concerns grow, there’s also a noticeable trend towards offering incentives for eco-conscious driving, reflecting the industry's shift to adapt to modern consumer expectations.


This listing highlights 24 notable auto insurance companies based in Missouri, showcasing various aspects of the industry. These companies range in size from small agencies with fewer than ten staff to larger firms employing thousands. Founded between 1905 and 2021, they are headquartered across towns like Columbia, Chesterfield, and Kansas City. Specializations vary, with key offerings in personal auto, home, health, and commercial insurance, catering to a broad clientele's needs.


Read on to discover more about Missouri's top auto insurance companies.


Top 24 Auto Insurance Companies in Missouri


1. Shelter Insurance Companies


Shelter Insurance Companies, based in Columbia, Missouri, has been a significant player in the insurance industry since its inception in 1946. The company provides a wide array of insurance products, prominently featuring auto insurance, alongside home, life, and business insurance. With a workforce of over 4,000 employees, Shelter operates through a network of agents, ensuring personalized service and support for its clients. The company is dedicated to helping individuals, families, and businesses protect their assets and manage risks effectively. Their educational initiatives, such as the Learning Center on their website, offer valuable resources on safe driving habits and insurance savings, showcasing their commitment to customer education and community involvement. Shelter Insurance has maintained a strong focus on customer service and community engagement, which enhances its reputation in the industry.


2. 800 Call-KC

  • Website: call-kc.com
  • Ownership type: Private
  • Headquarters: Kansas City, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1992
  • Headcount: 51-200
  • LinkedIn: 800-call-kc

800 Call-KC, based in Kansas City, Missouri, has been serving clients since 1992. This private insurance agency specializes in providing a variety of insurance products, including auto, home, life, and motorcycle insurance. The company aims to assist individual consumers in protecting their assets and managing risks associated with various life events. Through its website, CallKC offers valuable information and resources to help customers make informed decisions about their insurance needs. With a team of around 21 employees, the agency focuses on delivering personalized service to its clients, ensuring they find the right coverage for their specific situations. Although there is no reported funding, the agency has maintained its operations and relevance in the insurance industry for over three decades.


3. Insurance Store, Inc.

  • Website: insurancestoreinc.com
  • Ownership type: Private
  • Headquarters: Chesterfield, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1976
  • Headcount: 11-50
  • LinkedIn: insurance-store-inc.

Insurance Store, Inc., based in Chesterfield, Missouri, is an independent insurance agency that has been serving clients since 1976. The company specializes in a wide array of insurance products, including auto, home, life, and business insurance. With a dedicated team of professionals, Insurance Store, Inc. aims to provide tailored insurance solutions that help individuals and businesses manage risks effectively. They represent multiple insurance carriers, allowing them to offer competitive rates and comprehensive coverage options. Their commitment to customer service is evident in their approach, where they treat clients like family and prioritize their needs. The agency's focus on building long-term relationships with clients has contributed to its reputation as a trusted insurance provider in the region.


4. First State Insurance Agency, Inc.

  • Website: fsiaonline.com
  • Ownership type: Private
  • Headquarters: Farmington, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1954
  • Headcount: 51-200
  • LinkedIn: trust-gdc

First State Insurance Agency, Inc. is a private insurance agency based in Farmington, Missouri, established in 1954. With a workforce of approximately 98 employees, the agency specializes in a variety of insurance products, including auto, life, business, and health insurance. They serve both individual consumers and businesses, providing customized insurance solutions to help manage risks and protect assets. The agency emphasizes customer service, assisting clients in navigating their insurance needs effectively. They are affiliated with First State Community Bank, which enhances their credibility and community involvement. First State Insurance Agency is licensed to operate in Missouri, Illinois, Ohio, and Oklahoma, and they have built a reputation for being a reliable local provider in the insurance industry.


5. AmShield Insurance

  • Website: amshieldinsurance.com
  • Ownership type: Private
  • Headquarters: Columbia, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2014
  • Headcount: 1001-5000
  • LinkedIn: amshieldinsurance

AmShield Insurance Company, based in Columbia, Missouri, is a private insurance provider that has been operational since 2014. The company specializes in property and casualty insurance, offering a variety of products that include auto, homeowners, renters, and condominium insurance. AmShield aims to serve individuals and families by protecting their assets against various risks. With a workforce of around 20 employees, the company emphasizes customer service through a network of agents, ensuring that clients receive personalized assistance. Although there is no reported funding, AmShield Insurance has established itself as a player in the insurance market, particularly in auto insurance, by underwriting policies and maintaining a focus on customer satisfaction.


6. MHJ Insurance

  • Website: mhjinsurance.com
  • Ownership type: Private
  • Headquarters: Poplar Bluff, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1935
  • Headcount: 11-50
  • LinkedIn: mhj-insurance

MHJ Insurance, also known as MHJ & Heartland Insurance Group, is an independent insurance agency based in Poplar Bluff, Missouri. Established in 1935, the agency has been serving the insurance needs of individuals and businesses for decades. They offer a variety of insurance products, including auto, business, homeowners, and employee benefits insurance. With a commitment to customer service, MHJ Insurance operates multiple locations across Missouri and Illinois, ensuring accessibility for their clients. The agency prides itself on providing tailored insurance solutions that help clients manage risks and protect their assets. Their experienced team works diligently to find the best coverage options at competitive rates, reflecting their dedication to client satisfaction and community engagement.


7. Auto Insurance Discounters, LLC


Auto Insurance Discounters, LLC, based in Independence, Missouri, has been serving clients since its inception in 2001. This private insurance agency specializes in a variety of insurance products, with a strong emphasis on auto insurance. They offer coverage options that include auto liability, motorcycle, boat, and business insurance, among others. The company prides itself on simplifying the insurance process for its clients, ensuring that both individuals and businesses can find affordable and comprehensive coverage tailored to their specific needs. With a dedicated team of agents, Auto Insurance Discounters actively compares policies from multiple providers to secure the best rates for their clients. Their commitment to customer service is evident in their approach to assisting drivers with checkered driving records, particularly in filing SR-22 records efficiently. This focus on customer care and accessibility has allowed them to maintain a presence in the competitive insurance market.


8. Weiss Insurance Agency, Inc.

  • Website: weiss-ins.com
  • Ownership type: Private
  • Headquarters: Chesterfield, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1905
  • Headcount: 51-200
  • LinkedIn: weiss-insurance

Weiss Insurance Agency, Inc., based in Chesterfield, Missouri, is a family-owned insurance agency that has been serving clients since 1905. With a workforce of approximately 85 employees, the agency specializes in a wide array of insurance products, including auto, home, business, life, and health insurance. Weiss Insurance is dedicated to providing tailored insurance solutions to both individual consumers and businesses, helping them manage risks and protect their assets. The agency operates in over 40 states, showcasing its extensive reach and commitment to customer service. Weiss Insurance prides itself on its personalized approach, ensuring that clients receive the attention and support they need to navigate their insurance options effectively. Their partnerships with top-ranked insurance companies further enhance their ability to offer competitive pricing and comprehensive coverage options.


9. Twin Lakes Insurance Agency

  • Website: twinlakesins.com
  • Ownership type: Private
  • Headquarters: Lee'S Summit, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1983
  • Headcount: 11-50
  • LinkedIn: twin-lakes-insurance-agency

Twin Lakes Insurance Agency, based in Lee's Summit, Missouri, has been serving the insurance needs of individuals and businesses since its inception in 1983. With a workforce of 11-50 employees, the agency has grown to become the largest independent insurance agency in its locality. It offers a wide array of insurance products, including auto, home, business, life, health, and bonds. The agency prides itself on providing personalized service, ensuring that clients receive the best coverage tailored to their specific needs. Over the years, Twin Lakes has garnered recognition for its growth and service excellence, being ranked among the top independent insurance agencies in the Greater Kansas City area by local business publications. Their licensed staff is dedicated to delivering superior value and service, reinforcing their commitment to the community they serve.


10. O'Connor Insurance Agency

  • Website: oconnor-ins.com
  • Ownership type: Private
  • Headquarters: Creve Coeur, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1975
  • Headcount: 11-50
  • LinkedIn: o%27connor-insurance-agency

O'Connor Insurance Agency, based in Creve Coeur, Missouri, has been serving clients since 1975. This independent insurance agency specializes in a variety of insurance products, including auto, home, and commercial insurance. With a team of 22 employees, they cater to both individual consumers and businesses, helping them manage risks and protect their assets through customized insurance solutions. The agency operates primarily in the Midwest and surrounding states, including Missouri, Illinois, Kansas, Florida, Arizona, Virginia, and Vermont. Their expertise extends to condominium and community association insurance, showcasing their knowledge in niche markets. O'Connor Insurance Agency emphasizes the importance of client relationships and offers a scholarship program, reflecting their commitment to community engagement and education.


11. Insurance Brokers Group


Insurance Brokers Group, based in Chesterfield, Missouri, is a private insurance brokerage founded in 2005. The company specializes in a wide array of insurance products, including auto, home, life, and business insurance. They serve both individual consumers and businesses, assisting them in navigating the complex insurance market to find tailored coverage options. By leveraging relationships with multiple insurance carriers, Insurance Brokers Group aims to simplify the insurance purchasing process for their clients. Their approach combines modern technology with personal service, allowing clients to manage their insurance needs efficiently. The company has a small team of 11-50 employees and operates without reported funding, indicating a self-sustained business model. Their focus on customer service is evident in the positive testimonials from clients who appreciate the prompt and helpful assistance they receive.


12. Midwest Risk Partners


Midwest Risk Partners, known as Arnold Insurance, is an insurance agency based in St. Louis, Missouri. Founded in 2021, the company offers a variety of insurance products, including auto, home, renters, and commercial insurance. With a commitment to personalized service, Arnold Insurance aims to cater to both individual consumers and businesses, helping them manage risks and protect their assets. The agency prides itself on its experienced team, which has been serving local communities for over fifty years, although the company itself is relatively new. Arnold Insurance operates multiple locations across the Midwest, including Cape Girardeau, St. Louis, and Denver, and focuses on building strong relationships with clients to provide tailored insurance solutions. Their approach emphasizes understanding client needs and delivering exceptional customer service, which is central to their business model.


13. Cornerstone National Insurance

  • Website: cornerstonenational.com
  • Ownership type: Private
  • Headquarters: Columbia, Missouri, United States (USA)
  • Employee distribution: United States (USA) 85%, Colombia 15%
  • Latest funding: Other (Debt), $4.9M, November 2013
  • Founded year: 1997
  • Headcount: 11-50
  • LinkedIn: cornerstone-national-insurance

Cornerstone National Insurance, based in Columbia, Missouri, has been serving the insurance needs of consumers since its establishment in 1997. The company specializes in a variety of insurance products, prominently featuring auto and homeowner insurance. With a workforce of around 39 employees, Cornerstone operates through a network of independent agents, allowing them to provide personalized service and tailored coverage options to their clients. Their auto insurance offerings include customizable coverage plans designed to meet the unique needs of each driver, ensuring that customers can find the right balance of protection and affordability. The company has also invested in enhancing its claims process, aiming to deliver efficient and thorough support to policyholders when they need it most. In 2013, Cornerstone National Insurance secured funding of approximately $4.9 million, which underscores their ongoing commitment to growth and service improvement in the competitive insurance market.


14. Veterans United Insurance


Veterans United Insurance, also known as Paddio Insurance, is an insurance agency based in Columbia, Missouri, founded in 2009. The company specializes in a variety of insurance products, including homeowners, auto, renters, and specialized coverage such as boat and RV insurance. Paddio Insurance aims to assist consumers in protecting their assets and managing risks associated with property and liability. They operate by providing personalized quotes and support through licensed agents, ensuring that clients receive tailored solutions for their insurance needs. The agency is licensed to operate in all fifty states and the District of Columbia, which allows them to serve a broad customer base across the nation. Despite being a relatively small firm with a workforce of 11-50 employees, Paddio Insurance emphasizes customer satisfaction and strives to create positive experiences for their clients.


15. Crawford-Butz & Associates Insurance Agency


Crawford-Butz & Associates Insurance Agency, based in St. Louis, Missouri, has been serving clients since 1961. This private insurance agency specializes in a wide array of personal and commercial insurance products, with a strong emphasis on auto insurance. They cater to both individual consumers and businesses, providing customized insurance solutions that align with their clients' unique needs. The agency prides itself on its customer service, ensuring that clients receive support for claims, billing, and policy inquiries. Crawford-Butz collaborates with over 20 top insurance providers to secure the best coverage options at competitive prices. Their extensive offerings include various auto insurance coverages, making them a significant player in the auto insurance sector. The agency's longevity and commitment to quality service underscore its relevance in the insurance industry.


16. Alternatives Insurance Group


Alternatives Insurance Group, founded in 2002 and based in Fenton, Missouri, operates as an independent insurance agency. With a small team of around 27 employees, the company specializes in a wide array of insurance products, including automobile, homeowners, renters, motorcycle, health, and life insurance. They cater to both individual consumers and businesses, emphasizing the importance of protecting against financial losses from various risks. Alternatives Insurance Group prides itself on delivering competitive insurance rates and personalized service through its local offices. Their independent status allows them to work with numerous insurance carriers, providing clients with a variety of options tailored to their specific needs. This approach not only enhances customer satisfaction but also positions them as a relevant player in the auto insurance market.


17. Focus Insurance


Focus Insurance, based in Eureka, Missouri, is an independent insurance agency that has been serving clients since 1999. With a team of approximately 30 employees, the agency specializes in a wide array of insurance products, prominently featuring auto insurance. Focus Insurance caters to both individual consumers and businesses, helping them secure appropriate coverage for their vehicles, homes, and commercial needs. Their operations extend beyond Missouri, reaching clients in 38 states, which showcases their capability to serve a broader market. The agency prides itself on offering personalized service, ensuring that clients receive tailored advice and support in navigating their insurance options. Focus Insurance also maintains an informative online presence, providing resources and tools for clients to obtain quotes and manage their policies efficiently.


18. Arnold Insurance

  • Website: myarnoldteam.com
  • Ownership type: Private
  • Headquarters: Cape Girardeau, Missouri, United States (USA)
  • Employee distribution: United States (USA) 97%, Egypt 3%
  • Founded year: 1971
  • Headcount: 51-200
  • LinkedIn: chap-arnold-insurance-agency

Arnold Insurance, based in Cape Girardeau, Missouri, has been a trusted name in the insurance industry since its inception in 1971. The company offers a wide range of insurance products, including auto, home, renters, and commercial insurance. With a team of experienced licensed producers and support staff, Arnold Insurance prides itself on delivering personalized service to both individual consumers and businesses. Their approach involves understanding the unique needs of each client and providing tailored solutions to protect their assets and manage risks effectively. Over the years, Arnold Insurance has built strong relationships within the communities it serves, emphasizing a commitment to customer care and satisfaction. The company operates multiple offices across various states, further solidifying its presence in the insurance market.


19. Lang Insurance

  • Website: langinsurance.com
  • Ownership type: Private
  • Headquarters: Saint Charles, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1989
  • Headcount: 11-50
  • LinkedIn: lang-insurance-service-inc.

Lang Insurance, based in Saint Charles, Missouri, has been serving the insurance needs of individuals and businesses since 1989. As an independent insurance agency, they offer a variety of products, including auto, home, business, and life insurance. Their approach is centered on providing personalized attention to clients, ensuring that each customer receives tailored insurance solutions that meet their specific needs. With a team of experienced professionals, Lang Insurance prides itself on its ability to navigate the complexities of insurance, helping clients understand their options and make informed decisions. They are committed to building long-term relationships with their clients, treating them like family and providing ongoing support throughout the insurance process. Their focus on auto insurance includes a comprehensive understanding of state requirements and various coverage options, making them a reliable choice for consumers in Missouri.


20. Corner Stone Insurance Agency


Corner Stone Insurance Agency, established in 1945, is a private insurance agency located in Southwest City, Missouri. With a small team of 1-10 employees, the agency specializes in providing tailored insurance solutions for both individuals and businesses. Its offerings include auto insurance, home insurance, life insurance, and farm insurance, catering primarily to clients in Missouri and surrounding states. The agency prides itself on delivering personalized service, allowing clients to compare quotes from various insurance providers to find the best fit for their needs. Corner Stone Insurance Agency operates with a commitment to customer satisfaction, emphasizing a hometown service approach. Despite its long-standing presence in the industry, the agency has not reported any funding, indicating it operates independently without external financial backing.


21. Hawkins Harrison Insurance


Hawkins Harrison Insurance, founded in 1956, is a family-owned insurance agency based in Edina, Missouri. With a team of 24 employees, the agency specializes in a variety of insurance products, including auto, business, farm, home, life, and worker's compensation insurance. Their approach emphasizes personalized service, aiming to meet the unique insurance needs of both individual clients and businesses. The agency operates multiple locations across Missouri, including Edina, Kahoka, Kirksville, Macon, Marceline, Memphis, and Shelbina, which enhances their ability to serve local communities effectively. Their long history in the industry and focus on customer satisfaction are reflected in positive client testimonials, showcasing their commitment to providing quality insurance solutions.


22. Global Green Insurance Agency


Global Green Insurance Agency, based in Oak Grove, Missouri, is a privately owned insurance agency that has been operational since 2017. The agency specializes in a range of insurance products, including auto, motorcycle, home, and commercial insurance. With a small team of around 32 employees, Global Green Insurance Agency aims to serve both individual consumers and businesses across Missouri and Kansas. Their independent status allows them to work with multiple top-rated insurance companies, providing clients with options that can lead to better premiums and coverage. The agency emphasizes personalized service, helping clients navigate their insurance needs and secure adequate coverage to protect their assets against various risks. Their mission is to deliver the right coverage at an affordable price, making them a relevant player in the local insurance market.


23. Alexander Insurance Agency

  • Website: alexins.com
  • Ownership type: Private
  • Headquarters: Saint Charles, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1957
  • Headcount: 1-10
  • LinkedIn: alexander-insurance-agency-llc

Alexander Insurance Agency, based in St. Charles, Missouri, has been serving the insurance needs of individuals and businesses since its founding in 1957. The agency specializes in a variety of insurance products, including personal auto insurance, homeowners insurance, and business insurance. As an independent agency, it prides itself on providing tailored insurance solutions that meet the specific needs of its clients. The agency is committed to customer service, ensuring that clients receive one-on-one attention from knowledgeable professionals. Over the years, Alexander Insurance has built a reputation for reliability and community involvement, actively participating in local organizations and initiatives. The agency is licensed to operate in Missouri and Illinois, and it collaborates with multiple insurance providers to offer clients a range of options. This approach allows them to shop for the best rates and coverage for their clients' needs.


24. Gallaher Insurance Group LLC


Gallaher Insurance Group LLC, founded in 1949, is an independent insurance agency based in Mexico, Missouri. With additional offices in Columbia, St. Louis, and Montgomery City, the company serves both individual consumers and businesses. They offer a wide range of insurance products, including auto, home, life, and business insurance. The agency prides itself on providing tailored solutions to manage risks and protect assets, emphasizing customer service and accessibility. With a team of experienced licensed agents, Gallaher Insurance Group collaborates with several regional and national insurance companies to deliver competitive coverage options. Their commitment to understanding client needs and providing comprehensive support during claims and policy management further solidifies their role in the insurance industry.



Auto Insurance Insights: Key Companies in Missouri


CompanyHeadquarterSizeFoundedOwnership
Shelter Insurance CompaniesColumbia, Missouri, United States (USA)1001-50001946Private
800 Call-KCKansas City, Missouri, United States (USA)51-2001992Private
Insurance Store, Inc.Chesterfield, Missouri, United States (USA)11-501976Private
First State Insurance Agency, Inc.Farmington, Missouri, United States (USA)51-2001954Private
AmShield InsuranceColumbia, Missouri, United States (USA)1001-50002014Private
MHJ InsurancePoplar Bluff, Missouri, United States (USA)11-501935Private
Auto Insurance Discounters, LLCIndependence, Missouri, United States (USA)1-102001Private
Weiss Insurance Agency, Inc.Chesterfield, Missouri, United States (USA)51-2001905Private
Twin Lakes Insurance AgencyLee'S Summit, Missouri, United States (USA)11-501983Private
O'Connor Insurance AgencyCreve Coeur, Missouri, United States (USA)11-501975Private
Insurance Brokers GroupChesterfield, Missouri, United States (USA)11-502005Private
Midwest Risk PartnersSt. Louis, Missouri, United States (USA)51-2002021Private
Cornerstone National InsuranceColumbia, Missouri, United States (USA)11-501997Private
Veterans United InsuranceColumbia, Missouri, United States (USA)11-502009Private
Crawford-Butz & Associates Insurance AgencySt. Louis, Missouri, United States (USA)11-501961Private
Alternatives Insurance GroupFenton, Missouri, United States (USA)1-102002Private
Focus InsuranceEureka, Missouri, United States (USA)11-501999Private
Arnold InsuranceCape Girardeau, Missouri, United States (USA)51-2001971Private
Lang InsuranceSaint Charles, Missouri, United States (USA)11-501989Private
Corner Stone Insurance AgencySouthwest City, Missouri, United States (USA)1-101945Private
Hawkins Harrison InsuranceEdina, Missouri, United States (USA)11-501956Private
Global Green Insurance AgencyOak Grove, Missouri, United States (USA)1-102017Private
Alexander Insurance AgencySaint Charles, Missouri, United States (USA)1-101957Private
Gallaher Insurance Group LLCMexico, Missouri, United States (USA)11-501949Private


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