How much is home insurance in St. Louis?
The average cost of homeowners insurance in St. Louis is $2,619 per year for a standard policy with $300,000 in dwelling coverage and a $1,000 deductible. For a policy with a $500 deductible, the average cost is a bit higher, at $2,682 per year.
Your premiums may vary based on your ZIP code, home value, the age of the property, and your deductible amount.3
Cost of home insurance by dwelling coverage in Missouri
Dwelling coverage is the part of your homeowners insurance policy that pays to repair or replace the physical structure of your home after a covered incident. When you purchase your policy, you’ll select a coverage limit. The higher the limit, the more your policy will cost.
Here are the statewide average annual premiums for dwelling coverage in Missouri. The average annual premiums reflect costs for policies with a $1,000 deductible.
Cost of homeowners insurance by deductible amount
Homeowners insurance, like many forms of insurance, involves a deductible. The deductible amount is how much you have to pay for repairs or damages before the insurer helps with the cost. Deductibles typically range between $500 and $2,500. Generally, the higher the deductible, the lower your premiums will be, since you have to cover more of the out-of-pocket costs yourself.
Below are the average annual premiums in St. Louis by deductible amount for a policy with $300,000 in dwelling coverage.
Average cost of home insurance in other cities in Missouri
Home insurance rates in Missouri differ by city and ZIP code. Areas at higher risk of natural disasters, such as those in flood zones, will have higher rates than areas at higher elevations. And areas with higher crime rates typically also have higher average rates.
Of the Missouri cities below, Ballwin has the lowest annual average premium, at $2,559 per year. Kansas City has the most expensive average premium, at $3,205.
Compare average annual premiums for home insurance with $300,000 in dwelling coverage and a $1,000 deductible for several Missouri cities below.
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