Renters Insurance in St. Louis, MO

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renters insurance in St. Louis, Missouri

Renters insurance is important if you're renting a home. It protects your rental unit — and any personal belongings within it — against a variety of perils, including fire, theft, vandalism, and wind damage. As these circumstances are fairly common, the affordability of a renters policy, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

Renters insurance rates are dictated by a variety of factors, including your building's age, the materials from which it’s made, its location, and the pricing guidelines of your renters insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance policies may be more expensive to account for the extra risk.

The average yearly price of renters insurance in St. Louis is $210.

Finding cheap renters insurance in St. Louis should start with a thorough comparison of the top renters insurance companies. Consult our breakdown of St. Louis renters insurance rates to ensure you start your search with as much background info as possible. Remember: your renters insurance costs may vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in St. Louis

Insurance premiums in St. Louis vary based on the insurer you choose. For instance, State Farm offers the most affordable renters insurance in St. Louis, at just $128 per year. This compares favorably to the city's average cost of $210, providing an $82 discount on typical rates in the city.

Begin your search for a renters insurance policy by exploring the cheapest insurers in St. Louis.

CompanyAverage Annual Rate in St. Louis
State Farm$128

St. Louis renters insurance pricing by coverage tier

Your renters insurance rates will vary depending on the amount of coverage you purchase. Common renters insurance tiers are $25,000 and $50,000 property coverage. In St. Louis, the annual cost differential between these levels is about $72. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage LevelAverage Annual Rate in St. Louis
$25K Property$174
$50K Property$246

Tip: bundle your auto and renters insurance policies in St. Louis

If you’re looking to cut your insurance expenditures, purchase your renters and auto policies from the same insurance company. Bundling renters and car insurance in St. Louis can lead to substantial savings. In fact, bundling renters and auto insurance leads to average savings of 6.8% on car insurance premiums. The auto insurance company with the cheapest bundled rate is GEICO, followed by American Family and Allstate.

Annual Bundle SavingsBundle Savings %

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