USAA is the best homeowners insurance company in Missouri for military owners, based on a 2023 analysis by Insurance.com, with an overall rating of 4.72. Auto Club Enterprises (AAA) is the best home insurance company in Missouri for non-military owners, with an overall rating of 4.39.
Auto Club Enterprises offers the cheapest home insurance in Missouri at $2,014 a year.
With so many options out there, it is not easy to choose a homeowners insurance company in Missouri. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.
- The average cost of homeowners insurance in Missouri is $3,349 a year or $279 a month.
- The cheapest homeowners insurance company in Missouri is Auto Club Enterprises. It offers home insurance at an average of $2,014 a year.
- USAA ranked as the best insurance company for military veterans while Auto Club Enterprises (AAA) ranked the best insurance company for non-military members in Missouri based on rates, complaints and financial stability.
Average home insurance cost in Missouri
The average cost of homeowners insurance in Missouri is $3,349 a year or $279 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Missouri homeowners insurance companies to get the best deal.
Best home insurance companies in Missouri
The best home insurance company in Missouri for 2023 is USAA, followed by Auto Club Enterprises (AAA) and Shelter Insurance.
Below is a full list of the top Missouri insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| USAA | A++ | $2,447 | 0.41 | 4.72 |
| Auto Club Enterprises (AAA) | A | $2,014 | 0.74 | 4.39 |
| Shelter Insurance | A | $3,310 | 0.19 | 4.23 |
| State Farm | A++ | $2,969 | 1.07 | 4.15 |
| American Family | A | $3,048 | 0.6 | 4.09 |
| Nationwide | A+ | $4,011 | 0.75 | 3.8 |
| Allstate | A+ | $3,478 | 2.04 | 3.26 |
| Farmers | A | $5,840 | 0.33 | 3.22 |
*USAA only provides coverage to military members, veterans, and their families.
Cheapest home insurance companies in Missouri
Below are Missouri home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Auto Club Enterprises has the most affordable rates overall.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| Auto Club Enterprises (AAA) | $1,489 | $2,014 | $2,517 | $3,041 | $3,667 |
| USAA | $1,875 | $2,447 | $2,944 | $3,424 | $3,889 |
| State Farm | $2,297 | $2,969 | $3,584 | $4,336 | $4,993 |
| American Family | $2,464 | $3,048 | $3,581 | $4,086 | $4,555 |
| Shelter Insurance | $2,583 | $3,310 | $4,129 | $4,963 | $5,761 |
| Allstate | $2,871 | $3,478 | $3,989 | $4,521 | $5,027 |
| Nationwide | $2,893 | $4,011 | $5,107 | $6,193 | $7,277 |
| Farmers | $3,851 | $5,840 | $7,159 | $7,742 | $7,588 |
Missouri home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Missouri to see which areas are the most and least expensive.
The most expensive ZIP codes in Missouri for home insurance
Missouri homeowners insurance rates are the most expensive for ZIP code 64863 with an average annual cost of $3,929.
The most expensive ZIP codes in Missouri are in these cities:
| ZIP code | Average annual rates |
|---|---|
| 64863 | $3,929 |
| 64854 | $3,909 |
| 65772 | $3,873 |
| 64867 | $3,866 |
| 64847 | $3,865 |
| 64856 | $3,861 |
The least expensive ZIP codes in Missouri for home insurance
The cheapest ZIP codes for home insurance in Missouri are
| ZIP code | Average annual rates |
|---|---|
| 63368 | $2,636 |
| 63366 | $2,647 |
| 63303 | $2,650 |
| 63385 | $2,683 |
| 63367 | $2,717 |
| 63144 | $2,727 |
