Home Insurance in St. Louis, MO
The average cost of homeowners insurance in St. Louis, Missouri is $2,115 per year in 2026. This compares to the state average of $2,350 per year.
Factors Affecting Home Insurance in St. Louis
Average: $225,000
high
7% of properties
0.9 (100 = national avg)
Home Insurance Coverage Comparison
| Coverage Tier | Dwelling Coverage | Personal Property | Liability | Est. Annual Cost |
|---|---|---|---|---|
| Basic (HO-1) | $180,000 | $90,000 | $100,000 | $1,586 |
| Standard (HO-3) | $225,000 | $112,500 | $300,000 | $2,115 |
| Premium (HO-5) | $281,250 | $168,750 | $500,000 | $2,855 |
Auto Insurance in St. Louis, MO
The average annual cost of auto insurance in St. Louis is $1,620, compared to the Missouri state average of $1,800.
Auto Insurance Coverage Comparison
| Coverage Level | Liability | Collision | Comprehensive | Est. Annual Cost |
|---|---|---|---|---|
| Liability Only | State Minimum | None | None | $891 |
| Full Coverage | 100/300/100 | $500 deductible | $500 deductible | $1,620 |
| Premium | 250/500/250 | $250 deductible | $250 deductible | $2,106 |
Health Insurance in St. Louis, MO
The average monthly health insurance premium in St. Louis is $552 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
Health Insurance Plan Tiers
| Plan Tier | Avg Monthly Premium | Typical Deductible | Out-of-Pocket Max | Best For |
|---|---|---|---|---|
| Bronze | $397 | $7,000 | $9,100 | Healthy, low usage |
| Silver | $552 | $4,500 | $9,100 | Moderate usage |
| Gold | $690 | $1,650 | $8,700 | Regular medical needs |
| Platinum | $828 | $0 | $4,500 | High usage / families |
Life Insurance & Renters Insurance in St. Louis
💰 Life Insurance
Life insurance rates in Missouri are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $24/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
Renters insurance in St. Louis covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
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Frequently Asked Questions
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Insurance Costs in Nearby Cities
Last updated: March 2026. Data sourced from state insurance departments, NAIC, and industry averages.