Best St. Louis Homeowners Insurance Quotes (2025)

Foremost, Armed Forces Insurance Exchange, and State Farm offer the best homeowners insurance policies in St. Louis, Missouri.

Kat Tretina
Written byKat Tretina
Kat Tretina
Kat Tretina

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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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.

Quick Facts
  • St. Louis homeowners pay an average of $218 per month for a standard insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.

  • St. Louis City and nearly 80 communities in St. Louis County participate in the National Flood Insurance Program (NFIP).[2] St. Louis homeowners who decide to purchase flood insurance will have to pay additional insurance costs each year.

  • The average annual cost to insure a Missouri home with $500,000 in dwelling coverage and a $1,000 deductible is $4,110. The higher your policy limits, the more you’ll pay for coverage.

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

flood insuranceForemost logoForemost

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
5.2/10
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$159/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$308/mo

Located just south of where the Missouri and Mississippi rivers converge, St. Louis is prone to flooding. Home insurance policies don’t cover flood damage, so if you live in a home that’s at risk of flooding, you’ll need a separate flood insurance policy.

Foremost issues flood insurance policies through the NFIP, and you can purchase coverage to supplement your homeowners policy. Foremost is also one of the cheapest home insurance options in St. Louis, on average.

Pros
  • Offers flood insurance

  • Lower-than-average rates for homeowners insurance

Cons
  • Home insurance quotes not available online

  • Poor Trustpilot rating

Best company for veterans: Armed Forces Insurance Exchange

Armed Forces Insurance Exchange

About 61,000 military veterans live in the St. Louis area. Armed Forces Insurance Exchange sells coverage to military veterans and active-duty service members. It offers homeowners insurance policies at a significantly lower rate than the city average, making it a great option to consider.

Policies from Armed Forces Insurance Exchange can provide extra coverage for identity theft, animal liability, or water backup and sump overflows. And the company has a broad range of discounts, including discounts for windstorm mitigation features, gated communities, and new roofs.

Pros
  • Significantly lower-than-average rates

  • Multiple discount programs

Cons
  • Limited customer reviews

  • Available only to veterans and active-duty military members

Best company for landlords: State Farm

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$223/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$298/mo

St. Louis has a high percentage of renters. About 55% of the city’s population rents, which is a much higher percentage than the rental rate for the state or country. If you’re a landlord, you have unique home coverage needs. State Farm has coverage options for owners of apartment buildings and owners of single-family rental homes.

State Farm’s landlord policies include dwelling coverage and can also cover loss of income due to covered claims, such as tornado damage. The insurance company offers lower-than-average rates for its homeowners insurance policies.

Pros
  • Competitive rates

  • Offers coverage options for landlords

Cons
  • Flood insurance not available

  • Limited discounts compared to other insurers

  • Our editorial team analyzed regional and national home insurance companies that sell policies in St. Louis to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.

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.

Insurance Company
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Average Annual Premium
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Armed Forces Insurance Exchange$1,018
Foremost$1,418
American Family$1,635
USAA$1,729
State Farm$1,914
Allstate$1,959
Automobile Club of Missouri$2,285
Travelers$2,348
Nationwide$2,466
Shelter$2,893
Encompass$3,551
Allied$3,930
Farmers$6,895

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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.

Coverage Limit
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Average Annual Premium
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$100,000$1,342
$200,000$2,029
$300,000$2,724
$400,000$3,403
$500,000$4,110

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.

Deductible Amount
sort ascsort desc
Average Annual Premium
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$500$2,682
$1,000$2,619

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.

City
sort ascsort desc
Average Annual Premium
sort ascsort desc
Ballwin$2,559
Columbia$2,720
Florissant$2,682
Kansas City$3,205
O’Fallon$2,537
St. Charles$2,594
St. Louis$2,619
St. Peters$2,582
Springfield$3,148
Wentzville$2,589

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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.

  • illustration card https://a.storyblok.com/f/162273/150x150/d2251ba1fd/weather-96x96-blue_018-tornado.svg

    The city is prone to natural disasters

    St. Louis is within “Tornado Alley,” and it’s also prone to severe storms, flooding, and winter blizzards. As a result, you may need to purchase additional coverage, such as flood insurance through the NFIP.

  • illustration card https://a.storyblok.com/f/162273/150x150/41b171a645/types-of-houses-96x96-orange_026-mansion.svg

    Homes are relatively inexpensive

    Though the real estate market moves fast, properties in St. Louis tend to be much more affordable than in the rest of the country. The average price of a property in St. Louis City was $183,406, about half the cost of the national average, according to Zillow.

  • illustration card https://a.storyblok.com/f/162273/150x150/4d9670276d/law-and-justice-96x96-green_009-arrested.svg

    The city has a high crime rate

    St. Louis has a much higher property crime rate than most other cities in Missouri. Depending on where you live, your insurer may charge higher rates to account for higher property crime rates.

St. Louis home insurance FAQs

The following information can help answer your remaining questions as you shop for homeowners insurance in St. Louis.

  • On average, homeowners in St. Louis pay $218 per month, or $2,619 per year, for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Your cost could increase if you need additional coverage, like flood insurance.

  • The Armed Forces Insurance Exchange offers the lowest home insurance rates in St. Louis, averaging $1,018 per year. But the insurer has eligibility restrictions and is only available to current and former military members. Foremost and American Family are the next cheapest insurance companies, with respective rates of $1,418 and $1,635 per year.

  • The 80% rule is a guideline homeowners should consider when reviewing their insurance needs and updating their policies. The rule recommends that homeowners buy a policy with a coverage limit equal to at least 80% of the home’s total replacement cost. As your home’s value increases over time, you may need to adjust your coverage limit to keep pace with the higher cost and avoid penalties.

  • The average annual premium for a home insurance policy with $500,000 in dwelling coverage and a $1,000 deductible is $3,984 in the U.S. and $4,110 in Missouri.

  • Missouri doesn’t have a state-specific discount program for senior homeowners, and discounts vary by insurer.

Sources

  1. KSDK. "$1 billion in storm damage; financial donations 'badly needed,' St. Louis mayor says."
  2. FEMA. "Community Status Book Report Missouri."
  3. National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
Kat Tretina
Kat Tretina

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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