How Much Does Homeowners Insurance Cost in St. Louis, MO?
St. Louis pricing is 12% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and St. Louis's diversified economy.See our methodology
Homeowners Insurance Pricing in St. Louis, MO
St. Louis is one of the more affordable markets for homeowners insurance, with costs running about 12% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 295K-population metro area is straightforward.
Local climate plays a direct role in homeowners insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in St. Louis: moderate cost of living keeps contractor rates affordable.
St. Louis has moderate permitting requirements. Depending on the scope of your homeowners insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
St. Louis vs National Average
What Affects Homeowners Insurance Cost in St. Louis?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
St. Louis Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
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Top-Rated Homeowners Insurance Pros in St. Louis, MO
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Tips to Save on Homeowners Insurance in St. Louis
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance in St. Louis Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $134 | — |
| 2021 | $140 | +4.5% |
| 2022 | $149 | +6.4% |
| 2023 | $153 | +2.7% |
| 2024 | $158 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Homeowners Insurance in St. Louis
Recent Reports
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
Why does homeowners insurance cost different in St. Louis than other cities?
St. Louis's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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