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Kristine Lee

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  • Licensed Insurance Agent — Property and Casualty
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Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Renata Balasco

Senior Content Strategist

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Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How to find affordable homeowners insurance in St. Louis

Among the most important aspects of owning a home is homeowners insurance. Along with your personal belongings, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, homeowners coverage is a solid investment. The typical homeowners insurance rate in St. Louis, Missouri is $211 per month. This is more than the national average cost.

The cost of home insurance coverage factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more information about the specifics of home insurance coverage.

Finding the cheapest home insurance in St. Louis starts with shopping around and comparing policies. Check out the below summary of average homeowners insurance premiums in St. Louis to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of home coverage is determined based on your chosen coverage limits as well as a number of other rating factors.

Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings


St. Louis home insurance by company

Homeowners insurance rates in St. Louis vary from one insurance company to another. The most inexpensive home insurance in St. Louis comes from AAA, which offers average annual rates of just $1,654 per year. This is more favorable than the city’s average homeowners premium of $1,951.

Below you'll find a list of the cheapest home insurance companies in St. Louis, Missouri to help you start your search. You can also check out our rankings of home insurance carriers for customer satisfaction for additional information. 

Company Average Annual Rate
AAA $1,654
Liberty $1,687
USAA $1,719
State Farm $1,740
Shelter $2,161


St. Louis homeowners insurance prices by coverage level

Your chosen level of homeowners coverage has an impact on the insurance premiums you pay. In St. Louis, carrying $200K dwelling coverage costs an average of $1,447, while carrying additional coverage up to $400K costs $3,081/year.

Coverage Level Average Annual Rate
$100K Dwelling $1,163
$200K Dwelling $1,447
$250K Dwelling $2,119
$400K Dwelling $3,081


St. Louis home insurance rates by ZIP code

Depending on the part of St. Louis you live in, you might see a dramatic difference in your home insurance costs. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically affect your home insurance rates.

To find the most affordable homeowners insurance premiums in St. Louis, look no further than 63128. In the 63128 area, homeowners coverage usually costs just $2,065 per year — a full $-114 less than the St. Louis average. The below table shows the best places to live in St. Louis if you’re looking for affordable homeowners insurance.

ZIP Code Average Annual Home Insurance Rate
63128 $2,065
63125 $2,072
63123 $2,074

Other parts of St. Louis, however, are prone to homeowners insurance rates that are higher on average. Crime rates, fire risk, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. With an annual average premium of $2,399, 63147 comes in as the priciest ZIP code in St. Louis for homeowners coverage.

ZIP Code Average Annual Home Insurance Rate
63147 $2,399
63140 $2,386
63120 $2,383


St. Louis homeowners insurance deductibles

Among the many choices faced by homeowners when shopping for homeowners insurance is how high to set the deductible. A homeowners deductible is the amount you must pay out of pocket toward a covered loss. Where you choose to set your homeowners deductible is directly related to the overall cost of your coverage.

When picking a deductible, bear in mind that the higher your deductible is, the lower your premiums will be. Therefore, if you are aiming for lower home insurance rates, you’ll want to keep your deductible higher. It's worth remembering that a homeowners deductible should only be as high as you can reasonably pay in the case of an actual loss.

Have a look at the standard deductibles offered by insurers and an estimate of what you can expect your rates to be.

Deductible Level Average Annual Homeowners Insurance Rate
$500 $2,310
$1,000 $2,119
$1,500 $2,011
$2,000 $1,917
$5,000 $1,624


Home and auto insurance bundling in St. Louis

If saving money is something you are worried about, you might purchase insurance for your home and auto through the same insurance company. Bundling homeowners and auto insurance can be a good money-saving option. By bundling your policies, St. Louis homeowners could see annual savings of 12% on average.

Company Avg. Annual Auto Insurance Rate (With Bundle)
American Family $889
GEICO $998
Progressive $1,178
Allstate $1,237
Farmers $1,253

Compare quotes on St. Louis, MO home insurance today!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.