Published June 28, 2026 · 40 years in trucking & the trades
What we cover in Washington
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Washington choose a local agent
When you're in Washington, Franklin County, you get a real person who knows MO — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Washington: the local picture
Washington, MO, presents a dynamic insurance market. Its growing population and diverse economy, anchored by manufacturing, healthcare, and education, suggest varied commercial and personal line opportunities. However, the region's susceptibility to severe weather, including tornadoes and hail, along with specific flood risks indicated by NFIP participation, underscores the critical need for robust property and casualty coverage.
Population: 14701 (2020)
Major local employers & who's hiring
- MFA Cooperative Association No 2 — ag-commercial
- MFA Plant Foods Division — shopping
Local Washington businesses
A few businesses that call Washington home — independent of our agency.
- MFA Cooperative Association No 2 — ag-commercial
- MFA Plant Foods Division — ag-commercial
- Amoco — c-store
- BP — c-store
- Midwest Petroleum — c-store
- Murphy USA — c-store
- Conoco — c-store
- Fast Trip Convenience Store — c-store
- Bank of Washington — financial
- Heritage Community Bank — financial
- Bank of Franklin County - BFC Washington (8th Street) — financial
- Citizens Bank — financial
Local facts that shape your coverage
- Washington city, Missouri, had a population of 14,701 as of the 2020 Census. — Population size and growth are key indicators for personal lines insurance market potential and density-related risks.
- Major employers and assets in Franklin County, which includes Washington, encompass manufacturing (PLZ Aeroscience Corporation), education (East Central College), healthcare (Mercy Hospital Washington), and tourism (Meramec Caverns). — The diversified economic base suggests varied commercial insurance needs across different industries, from property and liability to workers' compensation.
- Washington, MO, participates in the National Flood Insurance Program (NFIP), and property-specific flood hazard information can be accessed via the FEMA Flood Map Service Center. — Participation in NFIP highlights recognized flood risks, making flood insurance a critical consideration for property owners, both residential and commercial.
- Missouri, including the Washington area, is prone to severe weather events such as tornadoes and flooding, as highlighted by resources from the University of Missouri Extension. — This indicates a heightened risk for property damage from wind, hail, and storm-related events, directly impacting property and casualty insurance underwriting and claims.
Local figures compiled from public sources: census.gov · greaterstlinc.com · msc.fema.gov · extension.missouri.edu. Estimates — verify current details with the original source.
Insurance requirements in Missouri
Missouri is an at-fault (tort) state: every driver must carry liability insurance, and Missouri also requires uninsured-motorist coverage — which matters because not everyone on the road is insured. Missouri sits in a hail- and tornado-prone corridor, so wind/hail protection and your roof's condition weigh heavily for homeowners and farm owners. As an independent agency we shop multiple carriers to fit Missouri's rules and weather to your budget. Verify current state minimums with the Missouri Department of Commerce & Insurance.
Washington, MO insurance — common questions
How much does insurance cost in Washington, MO?
Rates in Washington and Franklin County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Washington?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Washington and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Washington today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.