St. Louis homeowners pay an annual average of $2,619 for a standard home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible. The city average is a bit higher than the national annual average of $2,584 but lower than the Missouri state average of $2,724.

St. Louis homeowners face risks such as flooding, snow, ice, and property crimes. The city also recently experienced a significant natural disaster, when a tornado touched down in May 2025, causing five deaths, numerous injuries, and more than $1 billion in damages to the city.1

Here’s what you should know about finding home insurance in St. Louis.

Best home insurance companies in St. Louis

Many insurance companies issue policies in St. Louis, including major national companies and smaller regional insurers. The best company for you will depend on your property’s location, the risks in your area, your budget, and your desired coverage amount.

You can start your search for coverage below, with three of the best homeowners insurance companies in St. Louis. Each of these companies has affordable average premiums, solid customer satisfaction, and quality insurance options.

Best company for flood insurance: Foremost

Best company for veterans: Armed Forces Insurance Exchange

Best company for landlords: State Farm

Cheapest home insurance companies in St. Louis 

Depending on the company issuing the policy, home insurance rates can vary significantly in St. Louis. Armed Forces Insurance Exchange, Foremost, and American Family have the cheapest home insurance rates in St. Louis on average, based on Insurify data.

Below, you can compare average annual premiums from different insurance companies for standard policies with $300,000 in dwelling coverage and a $1,000 deductible.

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.

What to know about owning a home in St. Louis

If you’re thinking of relocating to St. Louis or plan on buying a home there, you should consider a few factors that may affect insurance costs.