🏠 Home insurance cost in St. Louis, MO (2026)
Estimated average: $3,229 per year — +40% vs. the U.S. average of $2,300.
$3,229
Est. home insurance in St. Louis
per year
$3,105
Missouri average
$2,300
U.S. average
281,754
Population
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St. Louis home insurance estimator
Estimated$2,034/year
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St. Louis home insurance FAQ
How much is home insurance in St. Louis, MO?
The estimated average is $3,229 per year — above the state average (+4% vs. the Missouri average of $3,105, and +40% vs. the U.S. average).
Is home insurance more expensive in St. Louis than elsewhere in Missouri?
St. Louis has about 281,754 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in St. Louis?
Compare at least three quotes from insurers active in St. Louis, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.