Cheapest & Best Renters Insurance In Saint Louis 2025
In Saint Louis, AAA offers the cheapest renters insurance, with rates averaging about $8 per month. Still, I personally think State Farm is the top pick for renters in the area.
We’ve saved shoppers an average of $200 per year on their renters insurance.
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.
| Company | Average Monthly Cost |
| USAA | $13 |
| State Farm | $10 |
| Travelers | $16 |
| Shelter | $11 |
| AAA | $8 |
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.
| Company | Average Monthly Cost |
| Lemonade | $20 |
| State Farm | $10 |
| Progressive | $19 |
| Allstate | $29 |
| Nationwide | $26 |
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.
| Company | Average Monthly Cost |
| Lemonade | $24 |
| Nationwide | $29 |
| State Farm | $13 |
| Allstate | $33 |
| Amica | $26 |
Average Cost Of Renters Insurance In Saint Louis 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.
| Deductible Amount | Average Monthly Cost |
| $250 | $25 |
| $500 | $24 |
| $1,000 | $23 |
| $1,500 | $22 |
| $2,000 | $20 |
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.
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.
Our Methodology
To evaluate renters insurance providers in Saint Louis, we looked at several key areas: pricing, coverage, claims experience, and customer service. We gathered quotes based on standard policies that include $20,000 in personal property coverage and $100,000 in liability protection.
We also considered things like deductible flexibility, options for add-on coverage (such as flood or earthquake insurance), and potential discounts for bundling renters and auto policies. Customer satisfaction was a major factor too—so we relied on ratings from trusted sources like J.D. Power and Consumer Reports to highlight insurers with strong reputations and hassle-free claims processes.
Local risks unique to Saint Louis, such as theft and water damage, were also taken into account, as they directly affect what kind of coverage tenants might need. Altogether, this approach helps provide a well-rounded, reliable comparison of renters insurance options across Missouri.
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About Bob Phillips
