Best condo insurance companies in Missouri

In Missouri, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in Missouri. Below are the best condo insurance companies in Missouri based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
USAA884A++
4.5
State Farm829A++
3.8
Allstate815A+
3.3
Auto Club Enterprises (AAA)817A
3.1
American Family842A
3.0
Nationwide816A+
2.6
Farmers792A
2.1

Average cost of condo insurance in Missouri

The average cost of condo insurance in Missouri is $434 a year or $36 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$434$36

Condo insurance calculator

Average condo insurance rates in Missouri
$60,000
$40,000 $60,000 $80,000 $100,000
$1000
$1,000
$100,000
$100,000 $300,000
View most and least expensive ZIP codes

Most & least expensive ZIP codes for condo insurance in Missouri

Most expensive

ZIP CodeCityHighest Rate
65686Kimberling City$531
65658Golden$526
63621Arcadia$526
65641Eagle Rock$525

Least expensive

ZIP CodeCityLowest Rate
63385Josephville$440
63367Lake St. Louis$443
63346Flinthill$444
64034Greenwood$444

Condo insurance rates by company in Missouri

Rates for condo insurance by company in Missouri vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in Missouri. The cheapest company for condo insurance in Missouri is Shelter Insurance. Auto Club Enterprises (AAA), and Allstate, are the second and third cheapest options.

CompanyAverage Annual Rate
Shelter Insurance$283
Auto Club Enterprises (AAA)$383
Allstate$397
State Farm$402
USAA$418
American Family$500
Farmers$543
Nationwide$590

Compare condo insurance rates by city in Missouri

Condo insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on condo insurance for your specific city in Missouri.

CityAnnual insurance premium
Blue Springs
$419
Columbia
$424
Independence
$423
Kansas City
$426
Lee's Summit
$412
Springfield
$443
St. Charles
$409
St. Joseph
$434
St. Louis
$444

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

Tip icon You might also be interested in