Cheapest & Best Renters Insurance In Saint Louis 2025

In Saint Louis, AAA has the lowest renters insurance rates, averaging just $8 per month. But if you’re looking for more thorough coverage and reliable local support, State Farm is a great alternative—it’s slightly more expensive at around $10 per month but offers added value for the price.

Nicknamed the “Gateway to the West,” Saint Louis experiences over 17,000 property crimes annually. That’s roughly 64 incidents for every 1,000 residents, making it one of the higher crime areas in the country. Because of this, getting renters insurance is a smart move. It not only protects your personal belongings but also offers financial security and peace of mind.

Cheapest Renters Insurance Companies In Saint Louis

If you’re trying to find budget-friendly renters insurance in Saint Louis, AAA offers the lowest rates at around $8 per month. To help you weigh your options, the table below outlines the five most affordable providers in the area.

Best Renters Insurance Companies In Saint Louis

AAA is a great option if you’re mainly focused on keeping your renters insurance costs down. However, the cheapest plan isn’t always the most reliable. Personally, I’d recommend State Farm as the best overall choice for renters insurance in Saint Louis. They offer strong coverage at competitive rates, and their large network of local agents makes it easy to get support and handle claims without any stress.

Average Cost Of Renters Insurance In Saint Louis

On average, renters in Saint Louis pay around $25 per month, or roughly $300 annually, for insurance. However, your exact rate may differ depending on things like your coverage amount, where you live, your deductible, and how each insurance company sets its prices. The table below compares average rates from five leading providers in the area.

Average Cost By Deductible

A deductible is the amount you must pay out of pocket before your renters insurance starts covering a claim. Opting for a higher deductible can lower your monthly premium, but it will mean higher costs if you need to file a claim. On the other hand, a lower deductible leads to higher monthly payments. The table below shows the average renters insurance rates in Saint Louis for various deductible amounts.

Factors That Impact Renters Insurance Costs In Saint Louis

Several key factors can affect how much you’ll pay for renters insurance in Saint Louis:

Location: If you live in a neighborhood with high crime rates or are in an area prone to natural disasters like tornadoes or floods, your premium is likely to be higher.

Deductible Choice: A higher deductible can lower your monthly payment, while a lower deductible increases your premium since the insurer takes on more financial risk.

Claim History: Having a history of multiple claims may signal a higher risk to insurers, often resulting in increased rates.

Credit Score: Insurance providers commonly use credit scores to set premiums—lower scores typically lead to higher costs.

Coverage Amount: The more coverage you choose, especially for personal belongings or liability, the higher your policy cost will be, particularly if you include extras like replacement cost coverage or identity theft protection.

Safety Features: Homes with security systems, smoke alarms, or sprinkler systems are considered lower risk, which can lead to discounts on your insurance.

What Does Renters Insurance Cover In Saint Louis?

Renters insurance offers valuable financial protection by covering a range of common risks. Most policies typically include the following types of coverage:

Personal Property Coverage

This protects your personal belongings—like electronics, clothes, and furniture—from damage or loss due to events such as fire, theft, or specific types of water damage (floods are usually excluded).

Liability Protection

Covers legal costs and medical bills if you accidentally cause injury to someone or damage their property.

Medical Payments to Others

Offers limited coverage, often between $1,000 and $2,000, to help pay medical expenses if a guest is hurt in your home, regardless of who’s at fault.

Additional Living Expenses (ALE)

Helps pay for temporary living costs like hotel stays, food, and other essentials if your rental unit becomes uninhabitable due to a covered event.

What Does Renters Insurance Not Cover In Saint Louis?

Although renters insurance offers important protection, it doesn’t cover everything. Here are some common exclusions and limitations found in most standard policies:

Flood Damage

Regular renters insurance won’t cover losses caused by flooding. Since flooding can be an issue in Saint Louis, you’ll need separate flood insurance or a policy add-on for that kind of protection.

Pest Infestations

Damage from bedbugs, mice, termites, or other pests is seen as a maintenance problem and isn’t included in standard coverage.

Intentional Damage

If you or someone in your household intentionally causes damage, your policy won’t cover the costs.

High-Value Belongings

Items like fine jewelry, art, or collectibles may go beyond your policy’s limits. You can add extra coverage, known as a rider or endorsement, to protect them fully.

Business Equipment or Losses

Running a business from your rental? Basic renters insurance doesn’t cover business-related gear or liabilities unless you buy additional business coverage.

Vehicle Theft or Damage

Renters insurance won’t pay for damage to or theft of your car—you’ll need auto insurance for that.

How Much Should Students Pay For Renters Insurance In Saint Louis?

In Saint Louis, students typically spend between $12 and $25 per month on renters insurance, depending on how much coverage they need. Rates are influenced by things like where the apartment is located, the value of personal items, and any extra coverage options added to the policy.

Students living off-campus often face slightly higher premiums since they usually have larger living spaces and more exposure to risks. On the other hand, students in dorms tend to pay less, as shared housing often comes with lower insurance costs.

Before choosing a policy, it’s a good idea to estimate the value of your belongings. While standard coverage protects most items, students with costly electronics, bikes, or other valuable gear might want to add extra protection. Some insurance providers also offer discounts if you bundle your renters and auto insurance, which can help bring down the overall cost.

How Much Renters Insurance Do I Need In Saint Louis?

When picking renters insurance in Saint Louis, start by figuring out how much your personal belongings are worth. Most standard policies offer coverage between $20,000 and $40,000, which works well for many renters. But if you have pricey items like high-end electronics, jewelry, or designer furniture, you may want to increase your coverage.

Liability protection is another important factor. Basic plans often include $100,000 in liability coverage to help cover legal or medical bills if someone gets hurt in your rental. Choosing a higher limit can give you extra peace of mind.

Don’t forget about Additional Living Expenses (ALE) coverage. This kicks in if a covered event forces you out of your home, helping to pay for things like temporary housing and meals while repairs are made.

Also, pay attention to your deductible—the amount you’ll pay before insurance covers a claim. A higher deductible lowers your monthly premium but means more out-of-pocket costs if you file a claim.

Can Landlords In Missouri Require Renters Insurance?

Renters insurance isn’t required by law in Missouri, but many landlords in Saint Louis make it a condition of the lease. This setup benefits both sides—tenants get coverage for their personal items, and landlords lower their liability exposure.

If your lease includes this requirement, you’ll likely need to show proof of coverage, such as a certificate of insurance or the policy’s declaration page. Landlords may also set minimum standards for your policy, like carrying at least $100,000 in liability coverage. Failing to meet these requirements could lead to penalties or even losing your lease.

Even when it’s not required, renters insurance is a smart choice—especially in a city like Saint Louis, where property crime is relatively high and natural disasters like floods and tornadoes are possible. It helps protect your belongings and provides financial support in case of liability claims or unexpected losses.

Bundle Renters With Auto Insurance

Bundling your renters and auto insurance is a smart way to cut costs, as many insurance companies offer discounts when you combine both policies. In Saint Louis, providers like Allstate and State Farm are known for offering some of the best bundling deals, typically lowering renters insurance premiums by about 6% to 7%.

If you already have auto insurance, bundling can make things even easier. Managing both policies through one company streamlines billing, improves customer service, and may even come with added perks like flexible payment options or increased coverage limits.

That said, it’s important to shop around before bundling. While combining policies often saves money, make sure you’re not sacrificing coverage or overpaying. Always compare quotes to ensure you’re getting the best value for both your renters and auto insurance needs.

Common Causes Of Loss In Missouri

Renters in Missouri face a variety of risks that make having the right insurance policy especially important. Being aware of these common dangers can help you choose coverage that truly protects your belongings and finances.

Fire Hazards

Fires can spread quickly, especially in apartment buildings or multi-unit homes. Renters insurance helps cover the cost of replacing personal items lost in a fire. Given that fires are fairly common in Saint Louis, having this protection is a smart move.

Property Crime & Theft

Saint Louis sees more than 17,000 property crimes each year, with over 130,000 reported statewide. Renters insurance can reimburse you for stolen items and may also include liability coverage if someone gets injured during a break-in.

Flood Risks

Living near the Mississippi and Missouri rivers means Saint Louis renters are at higher risk for flooding, especially after storms or heavy rain. Since standard renters insurance doesn’t cover flood damage, a separate flood policy is recommended.

Tornadoes & Severe Weather

Missouri often experiences tornadoes, ice storms, and other extreme weather events. Most renters insurance policies cover damage from strong winds and storms, helping you bounce back after weather-related incidents.

Water Damage

Issues like burst pipes, leaky plumbing, or roof leaks can lead to water damage inside your rental. While renters insurance usually covers these types of incidents, it won’t cover damage from flooding—another reason why separate flood insurance might be necessary.

Extra Coverage Options

Many renters insurance policies also cover losses from vandalism, accidental damage, and certain natural disasters, offering added peace of mind.

By understanding these risks, renters in Saint Louis can make informed decisions and choose a policy that offers solid protection against the unexpected.