Best homeowners insurance in St. Louis, MO (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in St. Louis.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
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Reviewed by

Kristi Sullivan, CFP®Kristi Sullivan, CFP®Certified Financial PlannerKristi Sullivan, CFP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, she was a regional consultant at Fidelity Investments for nine years.

Updated|4 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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St. Louis has a big city vibe but without the hassle or outrageous cost of living, which makes it a great place to settle down and buy a house.

But it’s also located on the tornado belt, which can also make it a risky place to own a home. The average cost of homeowners insurance in St. Louis is $2,645 per year or $220 a month. This is more expensive than Missouri's average of $2,579 per year — and much more expensive than the national average of $1,754 per year.

Compare home insurance rates in St. Louis

Compare the best cheap homeowners insurance companies in St. Louis

To find the best cheap homeowners insurance in St. Louis, Policygenius rated over a dozen of the largest insurance companies in Missouri across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.

Company

Average monthly cost

Policygenius rating

State Farm

$206

4.8 out of 5

American Family

$224

4.5 out of 5

Farmers

$426

4.5 out of 5

Nationwide

$237

4.5 out of 5

Allstate

$172

4.4 out of 5

Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Compare home insurance rates in St. Louis

Best overall home insurance in St. Louis: State Farm

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Wind/hail deductible

Offers wildfire insurance

Why we chose itchevron icon

State Farm is the best home insurance company in St. Louis thanks to its large selection of policy options, high customer service marks, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • Top-tier coverage add-ons, including extended replacement cost coverage

  • High customer satisfaction and financial strength ratings

  • Offers large discounts when you bundle your home and auto insurance

Cons

  • No discounts for first-time homebuyers

More detailschevron icon

Why we chose State Farm

State Farm is our pick for the best home insurance company in St. Louis. We like that State Farm lets homeowners get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.

State Farm's customer service is highly rated, too. The company has received high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.

In St. Louis, State Farm is cheaper than average. The company doesn't offer as many discounts as other insurers, but you could get a large discount if you're planning to bundle home and auto insurance with State Farm.

How do State Farm home insurance rates compare to the St. Louis average?

The average cost of home insurance from State Farm in St. Louis is $2,466 per year, which is 7% cheaper than the citywide average.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

Best home insurance for coverage options: American Family

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2024 Policygenius award winner

American Family

American Family home insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers flood insurance

Bundle home & auto

Why we chose itchevron icon

American Family is the best home insurance company in St. Louis for people who want to add coverage to a basic policy. AmFam also has industry-best coverage options, high customer service ratings, and several discounts.

Pros and conschevron icon

Pros

  • Several one-of-its-kind coverage endorsements and policy perks

  • High customer satisfaction and digital shopping satisfaction scores with J.D. Power

  • Offers nearly one dozen discounts

Cons

  • Requires you to work with an agent to purchase a policy

  • Rates are about average in St. Louis

More detailschevron icon

Why we chose American Family

American Family is a top home insurance company in St. Louis for its range of coverage offerings. You can customize your American Family policy with up to 15 additional coverage options — including inland flood, equipment breakdown, and service line coverage.

The annual cost of American Family homeowners insurance in St. Louis is just $41 more expensive than average. Although it's higher than average, AmFam's many discounts (including paying your premiums all at once, opting for paperless billing, and signing up for automatic payments) can make your premiums even cheaper.

How do American Family home insurance rates compare to the St. Louis average?

The average annual cost of American Family home insurance in St. Louis is $2,686 per year, which is about just 2% more expensive than the citywide average.

How to get a quote

Online with American Family or by contacting a local agent

Best home insurance for claims service: Nationwide

award icon

2024 Policygenius award winner

Nationwide

Nationwide logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

New homebuyer discount

Offers extended replacement cost

Why we chose itchevron icon

Nationwide is the best homeowners insurance company in St. Louis for people who want highly rated customer service. Besides a top customer experience, Nationwide also offers a range of coverage add-ons that you can use to personalize your coverage.

Pros and conschevron icon

Pros

  • Highly rated for claims satisfaction by J.D. Power

  • Receives fewer complaints than average

  • Multiple high-quality coverage options

Cons

  • Below-average digital experience ratings

  • Rates are higher than average in St. Louis

More detailschevron icon

Why we chose Nationwide

Nationwide is the best homeowners insurance company in St. Louis for people who want excellent customer service. Nationwide ranks fifth on J.D. Power's Property Claims Satisfaction Study from 2022. The company also receives far fewer complaints than other insurers, according to the National Association of Insurance Commissioners.

We also like Nationwide's large selection of coverage options. These include guaranteed and extended replacement cost coverages, better roof replacement, new belongings coverage, water backup protection, and equipment breakdown coverage.

Although we found that Nationwide's rates are slightly more expensive than average in St. Louis, you might be able to lower your premiums with the company's discounts. These include discounts for bundling, renovating your home, buying a new home, and others.

How do Nationwide home insurance rates compare to the St. Louis average?

The average cost of Nationwide home insurance in St. Louis is $2,846 per year, which is 8% more expensive than the annual citywide average.

How to get a quote

Online through Policygenius or Nationwide

Best home insurance for cheap rates: Allstate

award icon

2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Allstate is the best homeowners insurance company in St. Louis for people who want cheap rates. Besides affordability, Allstate also offers a few premium coverage add-ons, including a short-term rental endorsement for hosts.

Pros and conschevron icon

Pros

  • Rates are much cheaper than average in St. Louis

  • Extensive list of discounts and policy features to lower your bill and out-of-pocket costs

  • Offers HostAdvantage — an excellent short-term rental coverage add-on that can be seamlessly added to any policy.

Cons

  • Beginning to pull back coverage in high-risk areas

  • Customer experience scores with J.D. Power are below the segment average

More detailschevron icon

Why we chose Allstate

We found that Allstate is the best homeowners insurance company in St. Louis if you're looking for affordable rates. The cost of coverage from Allstate is $582 cheaper than the citywide average.

Besides Allstate's lower-than-average premiums, its high customer satisfaction ratings and excellent coverage options make it a top choice for homeowners in St. Louis. We also like that Allstate has discounts for setting up automatic payments, bundling policies, and signing up for coverage before your current policy expires — all easy for many people to qualify for.

How do Allstate home insurance rates compare to the St. Louis average?

The average annual cost of an Allstate home insurance policy in St. Louis is $2,063 per year, which is 22% cheaper than the citywide average.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

How much is homeowners insurance in St. Louis?

The average cost of homeowners insurance in St. Louis is $2,645 per year, or $220 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in St. Louis is only 3% more expensive than Missouri's statewide average, but 51% more expensive than the national average.

St. Louis home insurance costs by coverage amount

Your policy's dwelling coverage covers the cost to repair or rebuild your home after a covered loss. Your dwelling coverage limit should be equal to your home’s replacement cost, the amount it would take to rebuild your house from the ground up — not its market value or purchase price. 

Your rates will be higher with more dwelling coverage. In St. Louis, a policy with $100,000 in coverage costs an average of $1,277 per year, while a policy with $500,000 in coverage has an average yearly cost of $4,078 — a $2,801 per-year difference.

Dwelling coverage limit

Average annual cost

$100,000

$1,277

$200,000

$1,932

$300,000

$2,645

$400,000

$3,353

$500,000

$4,078

St. Louis home insurance costs by deductible amount

Your homeowners insurance deductible is what you pay on your claim before your insurance covers the rest. It might seem like a good idea to choose a low deductible to save money on claims, but your monthly or annual premium will be far higher.

We found that homeowners in St. Louis who choose a $2,000 deductible over a $500 deductible could save an average of $524 on their home insurance rates.

Deductible

Average annual cost

$500

$2,732

$1,000

$2,686

$2,000

$2,208

Cheapest homeowners insurance companies in St. Louis

We found that the absolute cheapest homeowners insurance companies in St. Louis are Armed Forces InsuranceAAAUSAAAllstate, and State Farm. That said, your rates depend heavily on where you live and other factors like coverage amount, deductible, your credit, home's age, and claims history.

Company

Average annual cost

Armed Forces Insurance

$1,318

AAA

$1,647

USAA

$1,696

Allstate

$2,063

State Farm

$2,466

American Family

$2,686

Nationwide

$2,846

Shelter Insurance

$3,968

Farmers

$5,112

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Cheapest home insurance in St. Louis if you have poor credit

Your credit score can impact your home insurance rates. Homeowners with poor credit scores are viewed by insurance providers as higher risk, so they’ll often be charged expensive rates as a result.  

With an average rate of $1,711 per year, Armed Forces Insurance has the cheapest home insurance rates in St. Louis for homeowners with poor credit, while Farmers has the highest average rates.

Company

Average annual cost

Armed Forces Insurance

$1,711

AAA

$2,348

USAA

$2,377

Allstate

$2,989

Nationwide

$3,554

American Family

$3,797

State Farm

$4,231

Shelter Insurance

$5,357

Farmers

$9,480

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Cheapest home insurance in St. Louis if you have an older home

It can be more expensive to insure older homes since they can be more prone to structural damage than newer homes. They're also often constructed with materials and features that would be more expensive to replace after a claim.

With an average annual premium of $1,349, Armed Forces Insurance offers the cheapest home insurance rates for an older home in St. Louis.

Company

Average annual cost

Armed Forces Insurance

$1,349

AAA

$1,586

USAA

$1,718

Allstate

$2,025

Nationwide

$2,521

State Farm

$2,530

American Family

$2,728

Shelter Insurance

$3,158

Farmers

$5,404

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Cheapest homeowners insurance in St. Louis if you have a history of claims

Having a history of claims is one of the most likely reasons why your rates could be expensive. If you have multiple claims on your record, insurers will think you're more likely to file future claims than a homeowner without any past claims.

We found that Armed Forces Insurance offers the cheapest home insurance rates in St. Louis for someone with three claims in a five-year period.

Company

Average annual cost

Armed Forces Insurance

$1,723

USAA

$2,169

AAA

$2,625

State Farm

$2,885

Allstate

$3,389

American Family

$4,331

Nationwide

$4,385

Shelter Insurance

$4,737

Farmers

$9,632

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Coverage options in St. Louis

In addition to looking at how much each insurance company charges for different coverage levels and risks, you should also be aware of what your policy does and doesn’t cover.

If you're buying homeowners insurance in St. Louis, there are some additional insurance options you may need to consider to protect against tornadoes and floods.

Windstorm insurance

Homes in the St. Louis area could be affected by high winds and tornadoes. Although homeowners insurance usually covers wind, including tornado damage, it gets more complicated in states like Missouri, which experienced an average of 56 tornadoes a year from 1997 to 2022.

Some home insurance companies in St. Louis may charge a separate deductible after a windstorm damages your home — or may exclude coverage entirely. In this case, you would need to get a separate windstorm policy or find a company that covers wind damage.

Flood insurance

Homeowners insurance policies don’t cover flood damage. If you live in a part of St. Louis that's prone to flooding, you should consider flood insurance along with your regular home insurance.

In addition to comparing home insurance quotes, homeowners in St. Louis can also compare private flood insurance rates with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program.

How to get homeowners insurance quotes in St. Louis

Finding the right amount of coverage at the right price may feel overwhelming initially, but it’s quite manageable if you know what to look for in a company and policy. Since home insurance in St. Louis is so much higher than the national average, shopping around when choosing a policy is important to getting the best price.

Here are a few steps to follow as you shop for homeowners insurance in St. Louis: 

Steps to buying homeowners insurance in St. Louis, MO

  1. Reach out to a licensed Policygenius agent. Our team of licensed insurance experts can help you figure out how much coverage you need and what company offers it at the best price. Our agents do this for free with no impact to your credit score.

  2. Ask about Missouri’s FAIR Plan coverage. The Missouri FAIR Plan is designed to be a last resort coverage option for homeowners who are not able to secure insurance on the private market. Missouri’s FAIR plan strives to provide basic coverage, and is intended to be used as a temporary solution until you qualify for coverage on the private market.

  3. Consider purchasing additional coverage. St. Louis homeowners should consider purchasing additional coverage to protect against tornadoes and severe storms.

  4. Figure out how low of a deductible you can afford. You’ll want to set this to an amount you can afford to pay in the event you need to file a claim due for loss or damage. 

  5. Compare quotes from a Policygenius agent. Once you’ve nailed down your coverage needs, limits, and deductibles, a Policygenius agent can walk you through your quotes to help you find the best policy for your coverage and budget needs.

  6. Sign the policy and pay your first premium. After you’ve chosen the policy you want, your Policygenius agent will complete all of the paperwork for you, including canceling your old policy, if you had one. The only thing left to do is sign and pay your first premium. 

Compare home insurance rates in St. Louis

Frequently asked questions

What is the average cost of homeowners insurance in St. Louis?

The average cost of homeowners insurance in St. Louis is $220 per month, or $2,645 per year.

Why is home insurance so high in St. Louis?

St. Louis, while a beautiful and affordable place to live, is more prone to natural disasters than other areas of the country, and therefore is a higher risk area to insure.

Why does my breed of dog matter?

Some insurance companies consider the breed of your dog because certain breeds are responsible for a higher percentage of dog bite claims, and therefore are considered to be a higher risk to insure.

Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

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