Best and cheapest home insurance in Missouri for 2024

Average home insurance cost in Missouri

The average cost of homeowners insurance in Missouri is $3,543 a year or $295 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 is State Farm, followed by American Family and Nationwide.

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.

Best home insurance companies in Alaska

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Best home insurance companies in Missouri
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
State Farm	A++	0.83	4.76	$2,490
American Family	A	0.80	3.78	$3,372
Nationwide	A+	1.05	3.39	$4,608
Allstate	A+	1.46	3.10	$3,743
Farmers	A	0.67	2.83	$6,342

Read our methodology

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 (AAA) has the most affordable rates in all categories.

Cheapest home insurance rates in Missouri by coverage level
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Auto Club Enterprises (AAA)	$1,489	$2,014	$2,517	$3,667	$6,247
State Farm	$1,928	$2,490	$2,999	$4,174	$6,289
USAA*	$2,012	$2,617	$3,132	$4,115	$6,012
Shelter Insurance	$2,583	$3,310	$4,129	$5,761	$8,953
American Family	$2,729	$3,372	$3,961	$5,037	$6,902
Allstate	$3,097	$3,743	$4,257	$5,289	$7,422
Nationwide	$3,309	$4,608	$5,881	$8,386	$13,059
Farmers	$4,238	$6,342	$8,477	$14,212	$24,927

Read our methodology

*USAA only provides coverage to military members, veterans, and their families.

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.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Read our methodology

The Missouri Department of Insurance says...

Every insurance policy contains "exclusions" which are things that won't be covered by the policy. Make sure you read the exclusions carefully to understand what won't be covered. Ask your agent if you have questions.

- The Missouri Department of Insurance

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 $4,178.

The most expensive ZIP codes in Missouri are in these cities:

ZIP code	Average annual rate
64863	$4,178
64854	$4,156
64831	$4,136
64867	$4,131
64865	$4,112
64856	$4,100

Read our methodology

The least expensive ZIP codes in Missouri for home insurance

The cheapest ZIP codes for home insurance in Missouri are

ZIP code	Average annual rate
63368	$2,848
63144	$2,865
63303	$2,867
63026	$2,874
63366	$2,879
63125	$2,882

Read our methodology

Missouri homeowners insurance rates by county

Home insurance rates in Missouri vary by county. Take a look at the average rates by county in Missouri below to see how costs compare.

Map

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Average annual premium

$2,967

$4,081

County	Average annual premium	Average monthly premium
Adair	$3,264	$272
Andrew	$3,744	$312
Atchison	$3,835	$320
Audrain	$3,216	$268
Barry	$3,993	$333
Barton	$3,812	$318
Bates	$3,931	$328
Benton	$3,584	$299
Bollinger	$3,607	$301
Boone	$3,223	$269
Buchanan	$3,682	$307
Butler	$3,559	$297
Caldwell	$3,663	$305
Callaway	$3,197	$266
Camden	$3,533	$294
Cape Girardeau	$3,348	$279
Carroll	$3,666	$305
Carter	$3,609	$301
Cass	$3,655	$305
Cedar	$3,841	$320
Chariton	$3,587	$299
Christian	$3,794	$316
Clark	$3,466	$289
Clay	$3,719	$310
Clinton	$3,730	$311
Cole	$3,218	$268
Cooper	$3,340	$278
Crawford	$3,477	$290
Dade	$3,788	$316
Dallas	$3,758	$313
Daviess	$3,691	$308
DeKalb	$3,722	$310
Dent	$3,523	$294
Douglas	$3,711	$309
Dunklin	$3,342	$278
Franklin	$3,343	$279
Gasconade	$3,497	$291
Gentry	$3,867	$322
Greene	$3,682	$307
Grundy	$3,614	$301
Harrison	$3,700	$308
Henry	$3,713	$309
Hickory	$3,802	$317
Holt	$3,925	$327
Howard	$3,412	$284
Howell	$3,542	$295
Iron	$3,653	$304
Jackson	$3,659	$305
Jasper	$3,843	$320
Jefferson	$3,199	$267
Johnson	$3,510	$293
Knox	$3,393	$283
Laclede	$3,622	$302
Lafayette	$3,541	$295
Lawrence	$3,828	$319
Lewis	$3,334	$278
Lincoln	$3,365	$280
Linn	$3,659	$305
Livingston	$3,591	$299
Macon	$3,303	$275
Madison	$3,619	$302
Maries	$3,553	$296
Marion	$3,328	$277
Mcdonald	$4,081	$340
Mercer	$3,699	$308
Miller	$3,557	$296
Mississippi	$3,501	$292
Moniteau	$3,456	$288
Monroe	$3,394	$283
Montgomery	$3,463	$289
Morgan	$3,560	$297
New Madrid	$3,393	$283
Newton	$3,990	$332
Nodaway	$3,783	$315
Oregon	$3,570	$298
Osage	$3,464	$289
Ozark	$3,464	$289
Pemiscot	$3,403	$284
Perry	$3,344	$279
Pettis	$3,540	$295
Phelps	$3,402	$283
Pike	$3,424	$285
Platte	$3,782	$315
Polk	$3,747	$312
Pulaski	$3,579	$298
Putnam	$3,743	$312
Ralls	$3,327	$277
Randolph	$3,360	$280
Ray	$3,653	$304
Reynolds	$3,650	$304
Ripley	$3,525	$294
Saline	$3,664	$305
Schuyler	$3,504	$292
Scotland	$3,476	$290
Scott	$3,554	$296
Shannon	$3,249	$271
Shelby	$3,396	$283
St. Charles	$2,967	$247
St. Clair	$3,713	$309
St. Francois	$3,414	$284
St. Louis	$3,031	$253
St. Louis city	$3,248	$271
Ste. Genevieve	$3,238	$270
Stoddard	$3,622	$302
Stone	$3,881	$323
Sullivan	$3,708	$309
Taney	$3,530	$294
Texas	$3,575	$298
Vernon	$3,928	$327
Warren	$3,431	$286
Washington	$3,452	$288
Wayne	$3,642	$303
Webster	$3,613	$301
Worth	$3,913	$326
Wright	$3,755	$313

Read our methodology

Compare homeowners insurance rates by city in Missouri

Home 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 home insurance for your specific city in Missouri.

City	Annual insurance premium
Holts Summit	$2,259
St. Louis	$2,613
West Plains	$2,578

Read our methodology

Methodology

Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 20,739,560 insurance quotes from 81 insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$300,000 liability protection
$1,000 deductible
2% hurricane deductible where appropriate.

To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.