At Melissa Carlton State Farm Agency, your auto, home, business, and life insurance isn’t a transaction to us — it’s a relationship. We understand coverage isn't one size fits all, and we've got your back to help you decide what's important to you!

For more than 11 Years, we've had the honor & privilege of serving our Webster Groves, Sunset Hills, Kirkwood, St. Charles, Ballwin, Ladue, South City, Washington, Union, Eureka, Pacific, Wildwood, Affton and countless other Missouri, Illinois, Kansas, and Arkansas communities by protecting what matters most to the families that live here! While a lot has changed over the years, one thing never has: our mission to make insurance feel personal, simple, and centered around what you care about most!

You may ask yourself, Why Us?

At our office, we pride ourselves on industry-leading service and real conversations about your goals-- not cookie-cutter answers. Giving back is at the heart of who we are, which is why we proudly support local animal rescues, schools, and nonprofits including the Animal Protection Association of Missouri (APA), Gateway Pet Guardians, Stray Rescue of St. Louis, Rogers Middle School- Affton, Washington High School, Shrewsbury Parks and Recreation, Crestwood Parks and Recreation, Red Shoe Society (Ronald McDonald House Charities) and other organizations making a meaningful difference right here at home! We are just a short drive from numerous campuses including, Saint Louis University (SLU), Washington University (WashU), Webster University, University of Missouri- St. Louis (UMSL), Barnes Hospital (BJC), and St. Louis Community College- Forest Park (STLCC) just to name a few!

Our experienced team brings a combined 70+ years of experience to the office, with licenses spanning Missouri, Kansas, Illinois, and Arkansas! We are multi-talented, highly trained, and genuinely committed to helping you with your home insurance, auto insurance, life insurance, and more! When you walk into our office, you’re not just a policyholder. Whether you're in Washington or Augusta, St. Louis County or St. Louis City, you’re a part of a community we care passionately about!

If you've been in the St. Louis Metro area your entire life, or you're moving across state lines and you're brand new to Missouri, Arkansas, Kansas, or Illinois-- we're here to show you what it's like when an insurance agency has your back! Our goal, quite simply, is to show you an experience that you won't find anywhere else. #MCgotyourback

Frequently Asked Questions (FAQ)

Q: How do I get car insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Melissa is here to help your Saint Louis household feel covered.

Q: How soon can I get insured for my car?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. Looking for coverage? Talk with Melissa about your options in Saint Louis, Kansas City, Fayetteville, Chicago, or Springfield!

Q: What are the insurance requirements on a leased car?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Melissa serves Saint Louis, MO and is happy to help with your insurance needs.

Q: Is homeowners insurance required?

A: Homeowners insurance requirements can vary depending on your state and situation, but most lenders will require it if you have home financing. Even when it's not required, many homeowners choose to carry coverage to help protect their home and financial well-being from unexpected events. Melissa is proud to serve the Saint Louis community.

Q: How does life insurance work at a basic level?

A: Life insurance is a way to help take care of the people you love financially. It can provide support to your beneficiaries to help cover things like everyday expenses, debts, or future needs, depending on the coverage you choose. Serving Saint Louis and the surrounding area, Melissa can help answer your questions.

Q: How would you explain renters insurance?

A: Renters insurance is a simple way to help protect your personal belongings and provide liability coverage while you're renting. Since your landlord's policy typically covers the building itself, this type of coverage is designed to help protect you and the things you own. Have questions? Melissa in Saint Louis can walk you through your options.