It's not easy to find the best homeowners insurance in Missouri because there are so many choices. That's why we have put together this guide to help you get started on your search.
The average rate for homeowners insurance in Missouri is $3,111 a year. Although, rates vary depending on the insurance company you choose, among other factors.
Auto-Owners is the best homeowners insurance company in Missouri, based on Insurance.com's analysis. Its overall rating is five as well as ranked A++ by A.M Best Rating.
Apart from Auto Owners, American Family earned the highest J.D Power scores as compared to other companies. It has earned 831 scores out of 1000 and A.M Best awarded A ratings.
Read on to know more about the best and cheapest home insurance companies, their overall ratings, and average annual insurance rates for Missouri homeowners.
- Best home insurance companies in Missouri
- Compare best homeowners insurance companies in Missouri
- Average cost of homeowners insurance in Missouri
- 10 Most expensive zip codes in Missouri for homeowners insurance
- 10 Least expensive zip codes in Missouri for homeowners insurance
- Cheap homeowners insurance in Missouri
- Home and auto bundle discounts in Missouri
Best home insurance companies in Missouri
If you're looking for the best homeowners insurance company in Missouri, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Missouri:
- Auto-Owners
- American Family
- Allstate
- Safeco
- Liberty Mutual
Compare best homeowners insurance companies in Missouri
One of the easiest ways to find the best homeowners insurance is by looking at all the options available and comparing them side by side. If you're looking for the best homeowners insurance in Missouri, then look no further. Compare top insurance companies using the overall ratings and scores awarded by J.D. Power.
Below is a list of the best homeowners insurance companies in Missouri-
| Company | Overall rating | J.D. Power score | AM Best rating |
|---|---|---|---|
| Auto-Owners | 5 | 831 | A++ |
| American Family | 4 | 831 | A |
| Allstate | 4 | 829 | A+ |
| Safeco | 4 | 810 | A |
| Liberty Mutual | 4 | 806 | A |
| Progressive | 3 | 821 | A+ |
| Farmers | 3 | 813 | A |
| Nationwide | 3 | 812 | A+ |
| Chubb | 3 | 801 | A++ |
| Hartford | 3 | 798 | A+ |
| State Farm | 2 | 835 | A++ |
| AIG | 2 | 830 | - |
Average cost of homeowners insurance in Missouri
The average cost of homeowners insurance in Missouri is $3,111 a year or $259 a month. It's $806 more than the national average of $2,305 a year for home insurance.
Many factors affect your home insurance rates, including the risk posed by weather conditions in your state. Tornadoes and hurricanes are some of the common weather problems in Missouri source, and they can cause severe damage to your property, thereby leading to higher insurance rates.
| Average annual premium | Average monthly premium |
|---|---|
| $3,111 | $259 |
10 Most expensive zip codes in Missouri for homeowners insurance
Many factors go into determining how much you will pay for home insurance. Some of these include your ZIP code, the age of your home, building cost in your area, and others.
We have gathered home insurance rates from major insurance providers across all the ZIP codes and compiled a list of the ten most expensive ZIP codes for Missouri homeowners.
| ZIP code | Average annual rate |
|---|---|
| 64134 | $2,798 |
| 64741 | $2,797 |
| 64843 | $2,783 |
| 64130 | $2,779 |
| 64132 | $2,777 |
| 64854 | $2,776 |
| 64856 | $2,771 |
| 64746 | $2,770 |
| 64863 | $2,765 |
| 64844 | $2,762 |
10 Least expensive zip codes in Missouri for homeowners insurance
Homeowners insurance rates are driven by many factors, and one of them is the ZIP code. Insurance companies take your ZIP code into account when deciding on your home insurance premium.
For some ZIP codes, the rates are higher than others based on the local crime rates and building costs in your area, among other reasons. But some ZIP codes in Missouri have the lowest rates for home insurance.
The least expensive ZIP code for homeowners insurance in Missouri is 63303. Its average rate for home insurance is $2,169 a year - $942 less than the state average.
Below is a list of the least expensive ZIP codes for home insurance in Missouri.
| ZIP code | Average annual rate |
|---|---|
| 63303 | $2,169 |
| 65062 | $2,197 |
| 63368 | $2,205 |
| 63376 | $2,211 |
| 65066 | $2,214 |
| 65265 | $2,215 |
| 65232 | $2,216 |
| 65014 | $2,217 |
| 63382 | $2,220 |
| 63384 | $2,222 |
Cheap homeowners insurance in Missouri
USAA offers the cheapest rates for home insurance in Missouri, based on Insurance.com's rate analysis. Its average homeowners insurance cost is $2,419 a year- $692 less than the state average ($3,111).
It's a good idea to shop around for the best home insurance rate because prices vary by hundreds of dollars. But the cheapest is not always the best deal. You might end up paying too much if you avoid comparing quotes.
Get at least three price quotes to save on your yearly insurance cost, suggests Penny Gusner, senior consumer analyst at Insurance.com.
Below are the average annual home insurance rates for some of the cheapest insurance companies in Missouri.
| Company name | Average annual premium |
|---|---|
| USAA | $2,419 |
| Amco | $2,519 |
| Allstate | $2,621 |
| Travelers | $2,942 |
| Garrison | $3,089 |
| American Family | $3,170 |
| Shelter | $3,216 |
| Liberty | $3,363 |
| Safeco | $3,464 |
| State Farm | $3,832 |
| Foremost | $5,655 |
| Fire Insurance | $9,311 |
Home and auto bundle discounts in Missouri
Most insurance companies offer a discount on bundling your home and auto insurance policies. You can save an average of $505 a year or 18% based on a rate analysis by Insurance.com. But the discount and saving percentage may vary depending on your insurance company. Below is a list of major carriers that offer a discount on bundling. Also, know how much a home and auto bundle can help you save on insurance in Missouri.
| Company | $ Bundle average saving | % Bundle average saving |
|---|---|---|
| State Farm | $925 | 34% |
| American Family | $787 | 21% |
| Shelter Mut Insurance | $692 | 24% |
| Auto Club | $454 | 24% |
| Allstate | $278 | 9% |
| USAA | $234 | 9% |
| Travelers | $166 | 7% |