Union Electric Company d/b/a Ameren Missouri
Union Electric Company, operating as Ameren Missouri, serves about 1.26 million electric customers across central and eastern Missouri, including the St. Louis area. It has no EV-specific rate, but its optional Overnight Saver plan discounts all energy used from 10pm to 6am, and its Smart Saver plan, for homes with a smart meter, pairs a short, expensive weekday peak with a cheap overnight window. The older Time of Day pilot is closed to new enrollment. Ameren Missouri does not currently offer a home charger rebate: the $50 Level 2 charger offer on Ameren's website is for Ameren Illinois customers. Its Charge Ahead business charging incentives stopped taking applications in 2024 and have ended. There is no residential managed-charging program.
At a glance
Investor-owned- Serves
- Missouri
- Customers
- 1,264,469
- EV rate plan
- –
- EVSE rebate
- –
- Managed-charging program
- –
EV time-of-use rate plans
Overnight Saver
Verified Oct 2026
- Peak
- 6am-10pm every day, all year (price shown is the June-September base energy charge)
- 18.4¢/kWh
- Off-peak
- 10pm-6am every day, all year (price shown is the June-September base energy charge)
- 7.3¢/kWh
Optional rate open to Ameren Missouri residential customers. The rates shown are the summer (June through September) base energy charges; in winter the on-peak charge is 10.34 cents and the off-peak charge is 6.31 cents per kWh. Riders such as the fuel adjustment are added on top. A summer-only option bills winter usage at the standard Anytime rate. Customers without an advanced meter pay an extra $1.50 monthly meter charge. It is a whole-home rate, not an EV-specific rate.
Smart Saver
Verified Oct 2026
- Peak
- 3pm-7pm weekdays June through September (price shown is the summer base energy charge); 6am-8am and 6pm-8pm weekdays October through May; holidays excluded
- 40.5¢/kWh
- Off-peak
- 10pm-6am every day (price shown is the June-September base energy charge); other non-peak hours are billed at a mid-priced intermediate rate
- 7.7¢/kWh
Optional rate for residential customers served through an advanced (smart) meter. The rates shown are the summer base energy charges; the summer intermediate charge is 12.16 cents per kWh, and winter charges are 21.69 cents on-peak, 7.78 cents intermediate, and 6.35 cents off-peak, before riders. Customers can change plans up to three times a year. It is a whole-home rate, not an EV-specific rate.
Time of Day Rate (grandfathered pilot)
Verified Oct 2026
- Peak
- 2pm-7pm weekdays, June through September
- 40.1¢/kWh
- Off-peak
- 7pm-2pm weekdays plus all weekend hours, June through September
- 9.4¢/kWh
Closed to new enrollment. Existing customers keep it until an advanced meter is installed, then move to the Smart Saver rate unless they pick another plan. The rates shown are summer base energy charges; riders such as the fuel adjustment are added on top. Time-of-day pricing applies only in summer; winter usage is billed at 10.62 cents per kWh for the first 750 kWh and 7.14 cents above that, before riders.
Ameren Missouri does not run an EV-only rate, so the savings come from its whole-home time-of-use plans. The Overnight Saver plan is the simplest fit for EV charging: energy used from 10pm to 6am costs 7.32 cents per kWh in summer against 18.39 cents during the day, and the same overnight window applies all year. The Smart Saver plan, for homes with a smart meter, prices overnight energy at 7.67 cents in summer but charges 40.51 cents during the weekday summer peak from 3pm to 7pm, so it suits households that can keep both the car and other heavy loads out of that window. Ameren Missouri also offers an Evening/Morning Saver plan, the default for smart-meter customers, and an Ultimate Saver plan. The older Time of Day pilot is closed to new enrollees; existing customers keep it until an advanced meter is installed.
Ameren Missouri does not currently offer a rebate on a home charger. Ameren's website serves both of its utilities, and the $50 Level 2 charger offer shown there appears only when Illinois is selected, so it is not available to Ameren Missouri customers. On the business side, the Charge Ahead program that helped pay for workplace, multifamily, and public charging stopped taking applications in 2024 and has ended. For a Missouri driver, choosing the right rate plan is the main utility lever on charging cost.
Ameren Missouri is an investor-owned utility regulated by the Missouri Public Service Commission, and its rates are set through PSC tariff filings rather than a competitive retail market. The per-kWh figures above are base energy charges from the filed tariff; the fuel adjustment and other riders are added on the bill, and the rates change when the PSC approves a new tariff. Ameren's website asks visitors to choose Missouri or Illinois, and the EV programs shown under Illinois do not apply to Missouri customers. Check the current Ameren Missouri tariff before relying on a specific price.
Service territory
Missouri
- Adair
- Audrain
- Bollinger
- Boone
- Butler
- Caldwell
- Callaway
- Camden
- Cape Girardeau
- Chariton
- Clark
- Clay
- Clinton
- Cole
- Cooper
- Crawford
- Daviess
- DeKalb
- Dunklin
- Franklin
- Gasconade
- Gentry
- Howard
- Iron
- Jefferson
- Knox
- Lewis
- Lincoln
- Linn
- Livingston
- Macon
- Madison
- Maries
- Marion
- Miller
- Mississippi
- Moniteau
- Monroe
- Montgomery
- Morgan
- New Madrid
- Osage
- Pemiscot
- Perry
- Pettis
- Phelps
- Pike
- Pulaski
- Ralls
- Randolph
- Ray
- Reynolds
- Saline
- Schuyler
- Scotland
- Scott
- St Charles
- St Francois
- St Louis
- St Louis City
- Ste Genevieve
- Stoddard
- Sullivan
- Warren
- Washington
Cost to charge
State guides
Sources
- Ameren Missouri, Residential electric rate sheets (Service Classification 1(M), MO.P.S.C. Schedule No. 6, Sheets 54 to 54.15)Retrieved Oct 2026
- Ameren Missouri, Rate Options (Missouri view)Retrieved Oct 2026
- Ameren, EV Charging (Missouri view; the $50 Level 2 charger offer appears only in the Illinois view)Retrieved Oct 2026
- Ameren Missouri, Charge Ahead Electric Vehicles Program tariff (Sheet 164.1: applications closed September 30, 2024, program ended December 31, 2024)Retrieved Oct 2026
- Ameren Missouri, Charge Ahead Corridor Charging Program tariff (Sheet 165.1: applications accepted until December 31, 2023)Retrieved Oct 2026
- Ameren, Business Electric Vehicle Savings and Incentives (Missouri view)Retrieved Oct 2026
- EIA Form 861, 2024 Sales to Ultimate Customers (Union Electric Co, utility 19436)Retrieved Oct 2026
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