🏠 Home insurance cost in St. Louis, MO (2027)
Estimated average: $3,229 per year — +40% vs. the U.S. average of $2,300.
With about 281,754 residents, St. Louis is a large city and the #2 largest city in Missouri. Home insurance rates here are estimated at $3,229 per year, above the Missouri average of $3,105 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare St. Louis with other Missouri cities.
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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.