Best homeowners insurance in St. Louis, MO for 2022

We looked at average costs, coverages available, and customer satisfaction ratings to find the best homeowners insurance companies in St. Louis.

Meredith Napolitano

By

Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

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Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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By

Kristi Sullivan, CFP®

Kristi Sullivan, CFP®

Certified Financial Planner

Kristi 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.

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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 $2,871 per year or $239 a month. This is about equal to the Missouri average of $2,876 per year, but nearly 34% higher than the national average.

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However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in St. Louis, MO.  

Best homeowners insurance companies in St. Louis

Of the companies we looked at, USAA has the lowest rate, with an average annual policy cost of $1,598 — well below the city average of $2,871. Average rates for State Farm and American Family also came in below the city average. 

Besides cost, it’s important to look at customer and claim satisfaction ratings with entities like J.D. Power to see if the company can deliver when it comes time to use your coverage. Price does not matter as much if your company lets you down when it comes time to file a claim.

Policygenius analyzed thousands of quotes from the 5 largest St. Louis insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of St. Louis residents to find the best homeowners insurance in St. Louis.

Company

Average yearly cost

J.D. Power Rating

State Farm

$2,484

835

American Family

$2,570

831

Farmers

$7,496

813

USAA

$1,598

882

Shelter Insurance

$3,912

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State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

If you install a security system in your home or bundle your home and auto insurance, State Farm’s generous protective devices and multipolicy discount will make its relatively high premiums worth it.

How to get a quote

Online through State Farm

American Family

American Family logo

American Family's status as the 7th largest home insurance provider in the U.S. speaks to its popularity and reputation. Our fave perk? Its diminishing deductible program that lets you earn credits for every year you go without filing a claim.

Pros

  • Unique coverage add-ons, like matching siding insurance and hidden water damage coverage

  • Save up to 20% on home insurance and 29% on auto insurance for bundling the policies together

  • Earn a $100 credit toward your deductible for ever year you go without filing a claim

  • File claims online or on its mobile app — with 24/7 claims support

Cons

  • Doesn't offer extended or guaranteed replacement cost coverage

  • Above-average customer complaints according to the NAIC

Why American Family tops our best list

American Family has unique policy perks, including its “diminishing deductible” program that trims $100 off your deductible without it impacting your premium. With the other atypical policy features and numerous ways to save on coverage, American Family is a great choice for St Louis homeowners.

How to get a quote

Online through American Family

Farmers

Farmers logo

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness and declining deductibles

  • 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

  • Offers extended and guaranteed replacement cost coverage options

  • File claims online, via text, on its mobile app, or by calling its claims center

Cons

  • Rates are typically more expensive

  • Below-average customer satisfaction ratings

  • No repair network to help you find a certified contractor or repair professional after filing a claim

Why Farmers tops our best list

Farmers offers some unique savings opportunities, such as claim forgiveness and declining deductibles for homeowners who don’t file frequent claims. If you need to file a claim, you can do so via the Farmers app, by text, or online — making the process smooth and easy.

How to get a quote

Online through Farmers

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Why USAA tops our best list

USAA offers affordable and high quality homeowners insurance for St. Louis residents affiliated with the U.S. military. With USAA, home insurance policies often come with several coverages and policy perks that cost extra with most other companies. So if you’re looking for a bang for your buck, look no further than USAA.

How to get a quote

Online through USAA

Shelter Insurance

Shelter Insurance logo

As a regional home insurance provider, Shelter is ideal if you're looking for a basic, budget-friendly homeowners insurance policy without all of the bells and whistles.

Pros

  • Offers less-common coverage add-ons, like docks and piers coverage, personal injury protection, and protection for at-home businesses

  • Earthquake coverage available — a rarity among insurers

  • Solid customer service ratings with third-party review sites

  • File claims online

Cons

  • Coverage options aren't as robust as other insurers

  • Discounts are rather limited

  • Lack of reputation within the industry

Why Shelter Insurance tops our best list

Shelter is a budget friendly and trusted regional insurer that is great for St. Louis residents looking for home insurance with local expertise. While Shelter’s policy offerings are more limited than the competition, it provides a local, human touch and knowledge of the area that is missing with many larger companies.  

How to get a quote

By calling Shelter Insurance

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Cheapest homeowners insurance companies by ZIP code in St. Louis

Looking at average home insurance costs for 15 of the most popular companies in St. Louis, we found that the cheapest home insurance in the city can be found in the 63109, 63110, and 63139 ZIP codes. The average rate with AAA in this area is $1,290 per year, which is significantly less than the city average of $2,871 per year. 

Homeowners in nearly every St. Louis ZIP code will likely find that AAA or USAA is their cheapest home insurance option. Even St. Louis residents in the most expensive ZIP codes for home insurance can get coverage with AAA for several hundred dollars under the city average.

ZIP code

Company

Average yearly cost

63101

USAA

$1,611

63102

USAA

$1,645

63103

USAA

$1,565

63104

USAA

$1,557

63106

USAA

$1,629

63107

AAA

$1,647

63108

USAA

$1,539

63109

AAA

$1,290

63110

AAA

$1,290

63111

USAA

$1,555

63112

USAA

$1,627

63113

AAA

$1,647

63115

AAA

$1,647

63116

AAA

$1,290

63118

USAA

$1,565

63120

AAA

$1,647

63128

AAA

$1,323

63139

AAA

$1,290

63140

USAA

$1,553

63146

USAA

$1,399

63147

AAA

$1,647

63155

AAA

$1,647

The most affordable areas for homeowners insurance in St. Louis

With an average home insurance rate of $2,451 per year, the 63128 ZIP code is the most affordable area for home insurance in St. Louis.  

ZIP code

Average yearly cost

63128

$2,451

63146

$2,491

63109

$2,558

63139

$2,560

63116

$2,573

The most expensive areas for homeowners insurance in St. Louis

With an average home insurance rate of $3,077 per year, the 63147 ZIP code is the most expensive area for home insurance in St. Louis. This ZIP code has a slightly higher crime rate than other areas of the St. Louis metro area, making it a higher risk for claims due to theft.

ZIP code

Average yearly cost

63147

$3,077

63107

$3,075

63120

$3,063

63113

$3,060

63115

$3,060

Shopping for homeowners insurance in St. Louis

When shopping for homeowners insurance, make sure the coverage amounts in your quotes reflect your actual coverage needs. This will allow for a more accurate coverage and rate comparison. A Policygenius expert can help guide you through the process of comparing quotes.

St. Louis does have some risks that need to be considered when purchasing homeowners insurance. Severe storms and tornadoes are a risk in Missouri, and insurance premiums will reflect this risk.

In this section, we break down the average annual home insurance rates in St. Louis for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies for dog and pool owners. Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in St. Louis.

St. Louis home insurance costs by coverage amounts

Dwelling coverage is the section of your homeowners insurance policy that protects your home from covered losses, such as fire damage. Your dwelling coverage limit should be equal to the replacement cost of your home, or the cost to rebuild it from the ground up — not its sale price or market value. 

As the table below indicates, the more dwelling coverage you need, the higher your annual premium will be. In St. Louis, for every $100,000 in dwelling coverage, the average insurance premium increases approximately $700 to 800 per year. 

Dwelling coverage amount

Average yearly cost

$100,000

$1,334

$200,000

$2,079

$300,000

$2,871

$400,000

$3,656

$500,000

$4,457

Liability coverage is the section of your home insurance that covers legal, medical, and repair bills if someone is injured or their property is damaged and you’re held liable for the incident. This covers instances such as dog bites, pool or trampoline-related injuries, or if a visitor falls down your stairs. 

If the victim decides to sue for damages, you will need enough coverage to cover the value of all of your assets. When determining how much liability coverage you need, consider the value of your home, cars, potential future earnings, and anything else that holds value. 

As seen in the table below, more liability coverage doesn’t always mean higher average home insurance rates. Opting for high liability coverage limits is a great value add for any policy.

Liability coverage amount

Average yearly cost

$100,000

$3,009

$200,000

$3,189

$300,000

$2,871

$400,000

$2,699

$500,000

$2,920

St. Louis home insurance costs by deductible amount

Your deductible is the amount you’re responsible for paying toward a loss when you file a claim. That means if you file a claim for $5,000 and you have a $1,000 deductible, you’ll need to pay $1,000 out of pocket before your insurer will pay out the remaining $4,000 of the loss.

A higher deductible usually means lower premiums, but there is a risk in taking on a large deductible. You’ll want to make sure it’s set to an amount you can afford to pay out of pocket in the event of a loss. 

As seen in the table below, St. Louis residents can save over $1,000 when opting for a $2,000 deductible over a $500 one. If you are able to cover a larger deductible in the case of a loss, the savings are well worth the increased risk.

Deductible amount

Average yearly cost

$500

$3,143

$1,000

$2,293

$2,000

$2,184

Home insurance discounts in St. Louis

Standard safety features to protect your home will allow you to see a small discount in your insurance premiums. Insurance companies often incentivize homeowners to be proactive about home protection, including installing deadbolts, smoke alarms, and security systems. 

While you won’t get a large discount if your house has only one of the following features and nothing else, the discounts can add up if you have several safety features in your home, particularly when you add a security system. Here is the average annual rate for homes in St. Louis with deadbolts, smoke alarms, or burglar alarms. 

Discount

Average yearly cost

Dead bolt

$2,869

Smoke alarm

$2,844

Burglar alarm

$2,736

Home insurance companies in St. Louis for dog owners

Insurance companies consider certain dog breeds to be “aggressive,” as statistically speaking, these breeds are responsible for the majority of dog bite liability claims. 

If you own a breed your insurance company considers to be aggressive, you will likely see higher home insurance rates.  

With an average rate of $1,598 per year, USAA has the cheapest home insurance rates in St. Louis for a home with an aggressive dog breed, while Farmers’ average yearly premium of $7,496 is the highest. 

Company

Average yearly cost

USAA

$1,598

State Farm

$2,484

American Family

$2,580

Shelter Insurance

$3,912

Farmers

$7,496

Home insurance companies in St. Louis for poor credit

Many insurance companies in St. Louis will factor in your credit score when calculating your insurance premiums. Generally speaking, the higher your credit score, the lower your insurance premiums will be, and vice versa. 

USAA offers the lowest rates for homeowners with poor credit at $2,177, while Farmers average annual premium of $13,566 is the highest.

Company

Average yearly cost

USAA

$2,177

American Family

$3,588

State Farm

$4,261

Shelter Insurance

$5,281

Farmers

$13,566

Home insurance companies in St. Louis for pool owners

Pools are considered a liability risk due to the risk of accidents in and around pools, and therefore, owning one often means higher home insurance rates.  

With an average rate of $1,598 per year, USAA has the cheapest home insurance rates for St. Louis homes with a swimming pool, while Farmers’ average yearly premium of $7,496 is the most expensive. If you are a pool owner, make sure you compare policies to see who has the best rates for your home.

Company

Average yearly cost

USAA

$1,598

State Farm

$2,484

American Family

$2,582

Shelter Insurance

$3,912

Farmers

$7,496

How to buy homeowners insurance 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 St. Louis’s average annual premium of $2,871 is 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: 

  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. 

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Frequently asked questions

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

The average cost of homeowners insurance in St. Louis is $239 per month, or $2,871 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.

Methodology

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.

Author

Freelance contributor

Meredith Napolitano

Freelance contributor

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As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

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