- Best condo insurance companies in Missouri
- How much does condo insurance cost in Missouri?
- Condo insurance rates in Missouri by company and coverage level
- Condo insurance rates by company in Missouri
- Compare condo insurance rates by city in Missouri
- Methodology
- Compare Missouri condo insurance rates with other states
Best condo insurance companies in Missouri
There are many companies offering condo insurance coverage in Missouri. Shelter Insurance is the best condo insurance company in Missouri based on our analysis. Our insurance experts reviewed prices and ratings from trusted sources like the National Association of Insurance Commissioners (NAIC) and AM Best.
Based on our research, here are the best condo insurance companies in Missouri.
| Company | Annual premium | AM Best rating | NAIC | Insurance.com rating |
|---|---|---|---|---|
| Shelter Insurance | $283 | A | 0.42 | |
| State Farm | $356 | A++ | 0.95 | |
| American Family | $637 | A | 0.37 | |
| Allstate | $471 | A+ | 0.9 | |
| Auto Club Enterprises (AAA) | $390 | A+ | 1.05 | |
| Farmers | $653 | A | 0.54 | |
| Nationwide | $657 | A+ | 0.87 |
How much does condo insurance cost in Missouri?
The average cost of condo insurance in Missouri is $485 per year, or $40 per month. This is based on a policy with $60,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible. Your actual premium will be higher or lower depending on factors such as your location, selected coverage limits, deductible amount, and other considerations.
To secure the lowest rate, compare quotes from multiple insurance providers and choose the policy that best meets your needs.
| Average annual premium | $485 |
| Average monthly premium | $40 |
Condo insurance rates in Missouri by company and coverage level
Shelter Insurance offers the lowest condo insurance rates in Missouri for coverage limits of $60,000 for personal property and $300,000 for liability with a $1,000 deductible.
The second most affordable option is State Farm, with an annual rate of $356. However, your rates will vary based on the coverage level you select.
The table below presents condo insurance rates from top companies at various coverage levels.
| Company | $40,000 contents/$100,000 liability | $40,000 contents/$300,000 liability | $60,000 contents/$100,000 liability | $60,000 contents/$300,000 liability | $80,000 contents/$100,000 liability | $80,000 contents/$300,000 liability | $100,000 contents/$100,000 liability | $100,000 contents/$300,000 liability |
|---|---|---|---|---|---|---|---|---|
| Allstate | $402 | $422 | $451 | $471 | $492 | $512 | $522 | $542 |
| American Family | $562 | $579 | $618 | $637 | $664 | $684 | $703 | $724 |
| Auto Club Enterprises (AAA) | $295 | $312 | $373 | $390 | $474 | $491 | $579 | $596 |
| Farmers | $549 | $598 | $604 | $653 | $662 | $711 | $718 | $767 |
| Nationwide | $591 | $615 | $634 | $657 | $678 | $702 | $724 | $747 |
| Shelter Insurance | $249 | $264 | $268 | $283 | $271 | $286 | $271 | $286 |
| State Farm | $299 | $312 | $343 | $356 | $378 | $391 | $411 | $424 |
| USAA | $418 | $418 | $471 | $471 | $516 | $516 | $554 | $554 |
Condo insurance rates by company in Missouri
The cheapest option is Shelter Insurance, followed by State Farm and Auto Club Enterprises (AAA) as the second and third most affordable choices. However, condo insurance rates in Missouri vary by company, so it's a good idea to shop around and compare quotes.
The table below shows condo insurance rates from major companies in Missouri.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Shelter Insurance | $283 | $24 |
| State Farm | $356 | $30 |
| Auto Club Enterprises (AAA) | $390 | $33 |
| Allstate | $471 | $39 |
| American Family | $637 | $53 |
| Farmers | $653 | $54 |
| Nationwide | $657 | $55 |
| USAA | $471 | $39 |
Compare condo insurance rates by city in Missouri
Condo insurance rates in Missouri vary by city, with factors such as weather and crime rates influencing pricing. To find the most affordable and reliable condo insurance in your city, take these factors into account and compare quotes from multiple insurance companies.
City Annual insurance premium
Methodology
Insurance.com compared condo insurance rates provided by Quadrant Information Services across all 50 states and Washington, D.C.
Average condo insurance rates are based on:
- $60,000 in personal property coverage
- $300,000 in liability coverage
- $1,000 deductible
- Good credit
Rates were also fielded at varying personal property and liability coverage levels for comparison.
Compare Missouri condo insurance rates with other states
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