Allstate Insurance Agency
Early Edge Insurance, O Fallon, MO

2917 Highway K,

Ste H

O Fallon, MO 63368

Call

(636) 696-4820to quote by phone

Call

(636) 696-4820to quote by phone

Call

(636) 696-4820to quote by phone

Call

(636) 696-4820to quote by phone

Select a product to get a quote

Motorcycle insurance

ATV insurance

Location Details

Office Hours

Day of the Week	Hours
Mon	8:30 AM - 5:30 PM
Tue	8:30 AM - 5:30 PM
Wed	8:30 AM - 5:30 PM
Thu	8:30 AM - 5:30 PM
Fri	8:30 AM - 5:00 PM
Sat	Available by appointment9:00 AM - 1:00 PM
Sun	Closed

After-hours appointments available.

Available 24/7 at

(636) 696-4820

2917 Highway K,
Ste H
O Fallon, MO 63368
US

Landmarks

Our office is located on the Northwest corner of Christina Marie Dr and Highway K in front of Club Fitness.

Areas Served

O Fallon, Saint Charles County, Saint Louis County, Wentzville, Lake St. Louis

Languages

English, Spanish

Early Edge Insurance: Allstate Insurance

Local Allstate Agency: Meet Early Edge Insurance

I’ve gotten to know many local families as an Allstate agent in O Fallon. I enjoy being a part of the community, and building local relationships is one of the best parts of my job. I know what life is like here in O Fallon – that you choose your car and your home to fit your lifestyle and your budget. I also know how important it is to do the same when it comes to insurance. I look forward to getting to know you and helping you to find the solutions that meet your needs.

Part of what I like best about my job is that I can offer customers options for a wide variety of coverage and services. You can depend on me to help you look at the big picture.

I’m committed to helping O Fallon residents assess their immediate and long-term needs and choose options that will help them achieve their goals. When you want to explore options for protecting your home, personal property, or financial future, I’m available to answer your questions. If you’re already a customer, I’m ready to review your coverage so that you can make any necessary adjustments to fit your changing needs. Call me today.

Part of what I like best about my job is that I can offer customers options for a wide variety of coverage and services. You can depend on me to help you look at the big picture.

Products we offer:

Car Insurance Agent in O Fallon
Car Insurance Agent in O Fallon
Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer uninsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, optional coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
get a quote
Home Insurance Agent in O Fallon
Home Insurance Agent in O Fallon
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
get a quote
Condo Insurance Agent in O Fallon
Condo Insurance Agent in O Fallon
Helps protect the portion of your condo, co-op or townhome for which you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
get a quote
Renters Insurance Agent in O Fallon
Renters Insurance Agent in O Fallon
Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
get a quote
Landlords & Hosts Insurance Agent in O Fallon
Landlords & Hosts Insurance Agent in O Fallon
Helps protect the structure of your rental property, from covered accidents such as fire, wind/hail, vandalism and more. It also offers protection for the liability you might face as an owner. Let’s chat about the right coverage for your additional property!
Motorcycle Insurance Agent in O Fallon
Motorcycle Insurance Agent in O Fallon
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
get a quote
Business Insurance Agent in O Fallon
Business Insurance Agent in O Fallon
Allstate Business Insurance protects your business in ways other insurance might not. A business owners policy (BOP) usually includes three common types of coverage to help protect you and your small business: property coverage, general liability coverage and business interruption coverage. In addition to these basic coverages, the Allstate Business Owners Policy can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business and your employees.
Life Insurance Agent in O Fallon
Life Insurance Agent in O Fallon
Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
ATV Insurance Agent in O Fallon
ATV Insurance Agent in O Fallon
Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
get a quote
Boat Insurance Agent in O Fallon
Boat Insurance Agent in O Fallon
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!

20+

Years of
Experience

30+

Years in the
Community

Your Local Allstate Team

Andrea Early

Agency Owner

Hi, I’m Andrea Early, and I’m passionate about helping individuals, families, and businesses protect what matters most. As an experienced insurance agent, I understand that insurance can be overwhelming, and my goal is to make the process as easy and straightforward as possible for you.

I take the time to truly listen to your needs and concerns, so I can tailor a solution that fits your unique situation. Whether you're looking for auto, home, life, or business insurance, Allstate offer a variety of options that give you peace of mind and financial security.

What sets me apart is my commitment to building long-term relationships with customers. I’m not just here to sell you a policy; I’m here to be your trusted companion for your insurance needs, whether you're going through a life change, need to adjust coverage, or have questions along the way.

In my eyes, you’re not just another customer—you’re part of the family. I pride myself on being approachable, reliable, and always ready to help when life throws you a curveball.

Let’s work together to help see you're well-protected, no matter what life brings your way. Reach out today, and let’s start the conversation about how we can secure your future!

Veronica Lopez-Velez

Licensed Sales Team Lead

Veronica is a dedicated and licensed Sales Team Lead at the agency with a passion for helping people secure their futures. With years of experience, Veronica knows that insurance is more than just a policy—it's about peace of mind and helping provide the right coverage to protect what matters most to families and individuals.

Known for a friendly and approachable style, Veronica prides herself on building strong, lasting relationships with customers. Whether navigating complex insurance options or answering questions, Veronica is always ready to offer guidance and support, helping see customers feel informed and empowered every step of the way.

When Veronica isn’t leading a team of talented sales professionals, she's actively involved in the local community, volunteering and supporting causes that make a difference. Veronica believes in the power of connection—both within their team and with customers—and strives to create a welcoming, trust-based environment for everyone she works with.

Outside of work, she enjoys spending time with her daughter at cheer, soccer games and basketball. She is an animal lover, and her kitty Mango is spoiled! You can always find her looking for opportunities to grow personally and professionally and teaching those qualities forward to her team.

Sarah Stewart

Licensed Sales Agent

Hello, my name is Sarah Stewart a long-time resident of Wentzville ready to serve our community. I have 5 children ranging in ages 25-17 and 2 fur babies. I know the stressors of having young drivers on a policy. I look forward to helping you find the right coverage at the right price for your family. My husband, Scott, is a Finance Manager at a local dealership and we have been married over 20 years. Family and faith are important to me, and I center myself around serving others. I believe education is power and I love to inform about the coverages available to help you save more. I am looking forward to connecting and helping you!

Adriana Sprinkle

Licensed Sales Agent

Hi, I'm Adriana Sprinkle – your local licensed sales agent

I come from a proud military family, so I know the value of hard work, service, and taking care of others. My husband and I made the move to St. Louis in 2021, and we've loved calling the Midwest home ever since.

When I'm not helping customers review their coverage or find the right insurance solutions, I’m spending time with my little crew—our two dogs, Whiskey and Stella, and our cat, Tucker (who definitely thinks he runs the house).

Helping people is truly my passion. I love taking the time to inform customers, answer questions, and make insurance feel a little less overwhelming. Whether you're new to insurance or just want to see you're fully protected, I'm here to help every step of the way.

Let’s chat—I’d love to get to know you and see how I can help!

Ashley Sands

Senior Sales Agent

Hi, I’m Ashley. I’m passionate about helping people find the right insurance coverage to fit their needs and helping see they understand exactly what they’re getting. I believe insurance shouldn’t be confusing — it should give you confidence and peace of mind.

When I’m not working, you can find me hanging out with my two dogs, Jade and Rogue, or tracking down the nearest bingo hall for a fun night out. I played softball for 12 years and now enjoy giving back by helping local teams during the summer season. I also love spending my summers up in Michigan, soaking up the sun at the lake and enjoying the outdoors. I look forward to helping you with all your insurance needs.

Mindy Echols

Licensed Account Manager

I truly enjoy building meaningful relationships with customers and often find that those relationships turn into insurance friendships. My goal is to help see that everything customers work so hard for is properly protected, giving them confidence and peace of mind.

With over 15 years of experience in the insurance industry, I bring both knowledge and dedication to every conversation. Outside of work, my greatest pride and joy are my family—I’m a parent to four wonderful children and a grandparent to six amazing grandchildren.

In my spare time, I enjoy reading, gaming, and crocheting. I’m passionate about informing others on insurance, helping them understand not just what they have, but what it truly protects.
Let me help you make informed decisions about your coverage.

Allstate Insurance Agent Reviews

dawn garver

May. 5, 2026

Agent Response

Thank you, Dawn, for your wonderful review! We are

Thank you, Dawn, for your wonderful review! We are truly inspired to hear that you had a positive experience with Early Edge Insurance. Your trust and satisfaction uplift us and motivate our mission. If you ever need assistance or have questions, please don’t hesitate to reach out. We are here to support you on your journey!

anant agarwal

Apr. 11, 2026

The agents went out of their way to help us.

Agent Response

Thank you, Anant, for your wonderful feedback! We'

Thank you, Anant, for your wonderful feedback! We're inspired to hear that our agents went above and beyond to assist you. Your satisfaction fuels our passion, and we deeply appreciate your trust in Early Edge Insurance. If you need anything else, don't hesitate to reach out.

john kelly

Apr. 8, 2026

Agent Response

Thank you, John, for your positive feedback and fo

Thank you, John, for your positive feedback and for being a valued customer. We're thrilled to know you're satisfied with our services. Your trust in Early Edge Insurance: Allstate Insurance is greatly appreciated. If you ever need assistance, feel free to reach out.

william moffett

Apr. 4, 2026

Agent Response

Thanks a ton, William, for the awesome feedback! W

Thanks a ton, William, for the awesome feedback! We're super stoked to hear you're loving our services. As one of our VIP customers, your trust and support totally rock! If you ever need anything, don’t hesitate to hit us up.

david jenson

Mar. 29, 2026

The new agent is very nice.

Agent Response

Thank you, David, for sharing your delightful expe

Thank you, David, for sharing your delightful experience with our new agent! We're over the moon to hear that you found them nice—who knew agents could be so charming? Your feedback is like a warm hug on a chilly day!

sherry a haussels

Mar. 12, 2026

Agent Response

Thank you so much, Sherry, for your wonderful feed

Thank you so much, Sherry, for your wonderful feedback! We're absolutely thrilled to hear that you had a fantastic experience with Early Edge Insurance. Your trust and satisfaction truly mean the world to us. If you ever need assistance, please don’t hesitate to reach out! We’re always here to help!

brenda stone

Mar. 11, 2026

Ok so far. I’m a new customer.

Agent Response

Thank you for choosing Early Edge Insurance, Brend

Thank you for choosing Early Edge Insurance, Brenda! We're thrilled to have you as a new customer and are glad to hear things are going well so far. If you have any questions or need assistance, feel free to reach out. Welcome aboard!

richard caldwell

Feb. 10, 2026

Agent Response

Thank you, Richard, for your uplifting feedback! W

Thank you, Richard, for your uplifting feedback! We are overjoyed to hear that you had a wonderful experience with Early Edge Insurance. Your satisfaction is our greatest mission, and we deeply appreciate your trust in us. If you ever need assistance, remember that we are here for you—never hesitate to reach out!

damekah williams

Feb. 4, 2026

We appreciate our agency they are supportive and always available to assist with any concerns that may arise.

Agent Response

Thank you, Damekah, for your awesome words and for

Thank you, Damekah, for your awesome words and for being such a valued customer! We're super excited to hear that our team has been there for you and ready to help out. Your trust in us means the world!

sally brooks

Dec. 18, 2025

I am very satisfied with the insurance company and the agents I have talked to. I am happy with the rates and coverage a

I am very satisfied with the insurance company and the agents I have talked to. I am happy with the rates and coverage and have both my home and vehicle covered with Allstate.

Agent Response

Thank you so much, Sally, for taking the time to s

Thank you so much, Sally, for taking the time to share your positive experience with us! We are absolutely thrilled to hear that you are satisfied with our service, rates, and coverage. It truly is wonderful to have both your home and vehicle insured with Allstate. We greatly appreciate your trust and support, and we look forward to continuing to provide you with the excellent service you deserve!

shinnye lin

Dec. 9, 2025

Agent Response

Thank you, Shinnye, for your wonderful feedback an

Thank you, Shinnye, for your wonderful feedback and for choosing Early Edge Insurance: Allstate Insurance. We're thrilled to know you're satisfied with our services. Your trust means a lot to us, and we're here whenever you need assistance.

floyd strothcamp

Dec. 6, 2025

Great service

Agent Response

Thank you, Floyd, for your kind words and for bein

Thank you, Floyd, for your kind words and for being a valued customer. We're thrilled to hear that you are pleased with our service. Your satisfaction is our priority, and we look forward to continuing to serve you.

randy wild

Nov. 11, 2025

Warm and fuzzy

Agent Response

Thank you, Randy, for your warm and positive feedb

Thank you, Randy, for your warm and positive feedback! We're thrilled to hear that you had a great experience with us. Your satisfaction is our top priority—right after making sure our coffee supply is always full! We look forward to continuing to serve your insurance needs, and maybe even sharing a laugh or two along the way.

shane seals

Oct. 21, 2025

GREAT TO WORK WITH EASY TO SPEAK WITH VERY NICE AGENT

Agent Response

Thank you, Shane, for your kind words! We're thril

Thank you, Shane, for your kind words! We're thrilled to hear that you had a positive experience with our agent. It's our goal to make every interaction as pleasant and straightforward as possible. We appreciate your feedback!

mark tansey

Oct. 19, 2025

Agent Response

Thank you, Mark, for sharing your feedback and for

Thank you, Mark, for sharing your feedback and for being a valued customer. I am sad to see we did not earn 5 stars. We want to understand your concerns and are here to assist you. Please feel free to reach out to aearly@allstate.com for further assistance. Your satisfaction is important to us. We did see a 5 star review on Google, so thank you for that!

richard gravesen

Oct. 16, 2025

I thought my experience was outstanding they listened to me and helped me resolve questions i had espicially insurance

I thought my experience was outstanding they listened to me and helped me resolve
questions i had espicially insurance agent Ashley Sands she bent over backwards for me

Agent Response

Thank you, Richard, for sharing your valuable expe

Thank you, Richard, for sharing your valuable experience with us. We are pleased to hear that Ashley Sands provided exceptional service and addressed your questions effectively for your home and auto insurance. Your feedback is greatly appreciated, and please remember that we are always available to assist you whenever you need help or support. Welcome to the Early Edge Family!

kevin kovarik

Oct. 13, 2025

They have been great

Agent Response

Thank you, Kevin, for your positive feedback! We'r

Thank you, Kevin, for your positive feedback! We're thrilled to hear that you've had a great experience with us. Your satisfaction is our priority, and we look forward to continuing to serve you.

kyle sisco

Oct. 13, 2025

Very easy to work with had no issues switching over homeowners and several vehicles. Nice monthly savings as well for t

Very easy to work with had no issues switching over homeowners and several vehicles. Nice monthly savings as well for the same and even better coverage then I was receiving elsewhere.

Agent Response

Kyle thank you so much for taking the time to send

Kyle thank you so much for taking the time to send in your review. We value you and are thankful you not only saved, but received better coverage. That's the important part. Be well and reach out anytime. We are here to help.

timothy sommer

Oct. 4, 2025

Great customer service

Agent Response

Thank you, Timothy, for your kind words! We're ove

Thank you, Timothy, for your kind words! We're over the moon to hear that you had a great experience with our customer service. Your satisfaction is our top priority—right after snacks, of course! We appreciate your feedback. If you ever need assistance, just give us a shout; we're here to help, and we promise not to send a carrier pigeon!

Allstate Online Review Policy

Your Local Allstate Team

Andrea Early

Agency Owner

Veronica Lopez-Velez

Licensed Sales Team Lead

Sarah Stewart

Licensed Sales Agent

Adriana Sprinkle

Licensed Sales Agent

Ashley Sands

Senior Sales Agent

Mindy Echols

Licensed Account Manager

Frequently asked questions

What are your agency hours?

Monday: 8:30 AM - 5:30 PM
Tuesday: 8:30 AM - 5:30 PM
Wednesday: 8:30 AM - 5:30 PM
Thursday: 8:30 AM - 5:30 PM
Friday: 8:30 AM - 5:00 PM
Saturday: 9:00 AM - 1:00 PM
Sunday: Closed

Are you open on weekends?

Saturday: 9:00 AM - 1:00 PM
Sunday: Closed

Can I text your agency with questions?

No, we do not have text messaging services.

What languages do you speak?

We have staff members available who speak the following languages: English, Spanish

Do you have more than one location?

No, this is our only location.

Early Edge Insurance is insurance licensed in the state(s) of Illinois, Kansas, and Missouri. If you do not reside in the state(s) of Illinois, Kansas, or Missouri, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.

Based on coverages selected. Subject to terms, conditions, availability & qualifications.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate North American Insurance Co. and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Allstate life insurance issued by Direct General Life Insurance Co., 911 Chestnut Street, Orangeburg SC 29115; American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville FL 32224. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

you're in good hands^®