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Best cheap home insurance in St. Louis in 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best home insurance companies in St. Louis
To determine which carriers to feature, Bankrate’s insurance editorial team reviewed average quoted premiums from Quadrant Information Services for the largest home insurance carriers in the St. Louis area. We also reviewed available coverage and discount opportunities, along with customer satisfaction rankings from J.D. Power and financial strength ratings from AM Best. We used all of this data to assign each carrier a Bankrate Score, which is based on a five-point scale and can help you compare companies.
If you are shopping for the best home insurance in St. Louis, Missouri, consider getting a quote from USAA, Nationwide, Allstate, American Family or Travelers.
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why USAA made our list: USAA is not available to everyone, only members of the military and their qualifying family members. But, those who qualify for a policy might want to consider getting a quote, as it is widely considered one of the best home insurance companies in St. Louis. Although USAA’s strict eligibility requirements exclude it from official J.D. Power ranking, year over year, it consistently scores well above average in terms of customer service and property claims satisfaction. Its policies automatically insure your personal property at replacement cost value (which typically costs extra with other insurers) and include other perks like savings on pet insurance, an ADT security system and PODS moving and storage services. However, USAA does not have local offices, which could be an issue for homeowners who prefer in-person service.
Why USAA may be best for military-focused coverage: Military uniforms and equipment are covered at no deductible for active-duty members, and other military-focused coverage types are available. It’s also worth mentioning that, for the fourth year in a row, USAA is a Bankrate Awards winner for Best Home Insurance Company Overall (tie).
| Bankrate Score | 4.8 |
| J.D. Power | 737/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
Not available
JD Power
Why Nationwide made our list: Nationwide also made an appearance in the 2025 Bankrate Awards, winning Best for Bundling Home and Auto Insurance. The company offers a range of other discounts, as well. Homeowners could score a lower premium for living in a gated community, having a newer roof and installing smart home technology. Additionally, it scored above average in the J.D. Power 2024 U.S. Property Claims Satisfaction Study, implying that customers are generally pleased with its claim payouts.
Why Nationwide may be the best for digital tools: Nationwide home insurance policyholders can manage everything, from paying their premiums to tracking claims, through Nationwide’s online portal. It also offers a mobile app, which earned a 4.7-star rating in the Apple App Store and a 4.5 from Google Play. Nationwide earned an above-average rating for service in the 2024 J.D. Power U.S. Insurance Digital Experience Study, as well.
| Bankrate Score | 4.2 |
| J.D. Power | 641/1,000 |
| AM Best Rating | A |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
Not available
JD Power
Why Allstate made our list: Allstate won Best for First-Time Homeowners in the 2025 Bankrate Awards thanks to its welcome discount and savings for recent homebuyers. Plus, customer service — not just claims filings — is available 24/7 with Allstate. Policies are highly customizable, too. Homeowners can insure high-value property, yards and gardens, musical instruments, sports equipment and business property.
Why Allstate may be the best for managing multiple policies: Having one go-to company for all your insurance needs is an appealing option for many homeowners. Allstate offers home, auto, life, umbrella, pet, valuables and even cell phone protection plans. Home and vehicle owners may be particularly drawn to Allstate, as it advertises a generous bundling discount of up to 25 percent. Policies can be handled online or at one of Allstate’s St. Louis offices.
| Bankrate Score | 4.2 |
| J.D. Power | 631/1,000 |
| AM Best Rating | A+ |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why American Family made our list: American Family, or AmFam, is a regional insurer that offers home insurance in 19 states, Missouri among them. It could be a good option for homeowners looking for harder-to-find policy options like financial protection for hidden water damage, matching undamaged siding coverage and inland flood coverage. On top of its policy options, AmFam was named Best Digital Home Insurance Company in the 2025 Bankrate Awards.
Why American Family may be best for customer service: American Family customer service is available 24/7 for round-the-clock support. It scored above average in the J.D. Power 2024 U.S. Property Claims Satisfaction Study, and its digital tools are ranked above average in the J.D. Power U.S. Insurance Digital Experience Study. There are AmFam agent offices spread throughout St. Louis for homeowners who prefer in-person service, as well.
| Bankrate Score | 4 |
| J.D. Power | 638/1,000 |
| AM Best Rating | A |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
Not available
JD Power
Why Travelers made our list: Travelers could be a great option for St. Louis homeowners with eco-friendly homes, as the insurer offers additional coverage and a discount for homes built with green materials. Its policies are customizable, giving homeowners multiple add-ons for their personal property and other coverage types. Importantly, it offers flood insurance through Neptune Flood, a private insurer that offers higher limits than the National Flood Insurance Program (which is capped at $250,000 in dwelling coverage and $100,000 for personal property).
Why Travelers may be best for local agents: There are over 70 Travelers insurance agent offices in St. Louis, making it an excellent option for homeowners across St. Louis looking for a dedicated insurance agent. Local agents can not only walk you through your policy specifics in person, but they also may offer deeper insight into local insurance needs unique to your community.
| Bankrate Score | 4 |
| J.D. Power | 609/1,000 |
| AM Best Rating | A++ |
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest home insurance companies in St. Louis
For homeowners looking for coverage on a budget, Bankrate identified the cheapest home insurance companies in St. Louis. According to our research, USAA, Allstate and American Family offer the most affordable rates on average for $300,000 in dwelling coverage. Keep in mind that the cheapest home insurance companies may change depending on your dwelling coverage limit. According to our research, these companies typically offer the cheapest rates:
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|
|
|
|---|---|---|
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$122
|
$1,460
|
|
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$211
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$2,531
|
|
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$272
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$3,264
|
|
|
|
|
|---|---|---|
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$134
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$1,609
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|
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$232
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$2,782
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|
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$299
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$3,584
|
|
|
|
|
|---|---|---|
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$158
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$1,899
|
|
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$271
|
$3,251
|
|
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$348
|
$4,181
|
|
|
|
|
|---|---|---|
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$229
|
$2,751
|
|
|
$367
|
$4,403
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|
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$479
|
$5,748
|
Compare home insurance rates
Answer a few questions to see personalized rates from top carriers.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is home insurance in St. Louis?
Home insurance in St. Louis, MO costs an average of $2,232 per year for $300,000 in dwelling coverage, which is about 9 percent less than the state average of $2,440. Exactly what it costs to insure your St. Louis home will depend on other rating factors like your credit rating, the age of your home and the deductible you choose. Adding endorsements like scheduled property to your home can also increase your costs. Still, it’s helpful to know the city average so you have an idea of what to expect when you’re shopping for a home insurance policy. It is worth mentioning that insurance companies use proprietary algorithms to determine your rate, so you will likely see home insurance quotes for St. Louis vary based on the provider.
St. Louis rates by credit tier
Credit can affect your premium with multiple types of insurance, including home insurance. Actuarial data show that homeowners with poor credit are more likely to file claims than those with good or excellent credit. To account for the added risk, insurance companies generally charge homeowners with poor credit higher premiums. Having poor credit means that you will likely pay more than the average cost of home insurance in St. Louis, but affordable coverage is still possible. Our research shows that USAA, American Family and Encompass are cheap home insurance companies in St. Louis for homeowners with poor credit.
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|---|---|---|---|---|
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$2,485
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$1,592
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$1,460
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$1,352
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|
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$4,122
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$2,729
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$2,531
|
$2,134
|
|
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$4,395
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$3,377
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$3,264
|
$3,083
|
St. Louis rates by home age
Home age is another risk home insurers consider when setting rates. Given that the median age of homes in St. Louis is 87 years old, a lot of properties may be seen as high risk by home insurance companies. That’s because older homes often have outdated systems that are more susceptible to major failures, leading to significant repairs and replacements. This includes corroding pipes and dated wiring, which could put the homeowner at a higher risk of filing an insurance claim.
Older homes could also have been built with materials that are more expensive and harder to source now, which could make a potential claim more costly. This could make insuring an older St. Louis home more expensive. Cheap home insurance companies for older homes could be harder to come by, but our research shows that these companies may offer some savings:
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|---|---|---|---|---|---|
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$2,144
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$2,174
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$2,126
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$1,928
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$1,293
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|
|
$3,125
|
$3,154
|
$3,147
|
$2,920
|
$2,181
|
|
|
$3,611
|
$3,922
|
$4,161
|
$4,621
|
$2,813
|
St. Louis rates by deductible amount
A home insurance deductible is the amount of money you are financially responsible for when you file a claim with your insurance provider. While the phrase “pay your deductible” is often used to describe the amount you pay toward your portion of repairs, it can be a little misleading. Most often, your insurance company sends you a claim check with your deductible taken out. Rather than having to contribute cash from your savings immediately to cover the deductible, you’ll see a contribution from your insurer that is smaller than the total cost of repairs. This often means making up the difference between your insurance company’s claim check and the final bill from your contractor.
As you can see in the chart below, a high-deductible home insurance policy will typically yield a lower rate.
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|---|---|---|---|
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$1,325
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$1,325
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$1,089
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|
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$2,512
|
$2,494
|
$2,408
|
|
|
$3,010
|
$2,720
|
$2,396
|
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:
- Coverage A, Dwelling: $300,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $30,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $150,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $60,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000, $1,500, $2,000 or $5,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Credit: Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Year built: Rates were calculated based on the following years built for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Bankrate Scores
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
