A 15-yard facemask penalty on Ulbrich and a 22-yard catch by Marshall Faulk set up Wilkins field goal.
The Niners (1-1) tied the game when Garcia hit Owens with a 13-yard touchdown pass over the middle with 19 seconds left in the fourth quarter.
San Francisco gambled by going for a squib kick, which was muffed by Rich Coady and recovered by Arnaz Battle at midfield with 13 seconds remaining.
Garcia hit Wilson over the middle for 20 yards and Wilson ran r another nine yards to the St. Louis 26 as time expired.
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