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Condo insurance isn’t required by law in Missouri, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in Missouri, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in Missouri with average annual rates.

Key takeaways

  • The residents of Missouri pay an average of $434 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by, USAA is the top pick for the best condo insurance company in Missouri.
  • Shelter Insurance offers the cheapest condo insurance in Missouri at an average of $283 per year.

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’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
State Farm829A++
Auto Club Enterprises (AAA)817A
American Family842A

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


Average condo insurance rates in MISSOURI

63147 - St. Louis
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for condo insurance in Missouri

Most Expensive

Zip CodeCityHighest Rate
65686Kimberling City$531
65641Eagle Rock$525

Least Expensive

Zip CodeCityLowest Rate
63367Lake St. Louis$443

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
State Farm$402
American Family$500

Methodology 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.

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