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 Missouri
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State FarmA++0.834.76$2,490
American FamilyA0.803.78$3,372
NationwideA+1.053.39$4,608
AllstateA+1.463.10$3,743
FarmersA0.672.83$6,342

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

*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

Average home insurance rates in Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of Apr 2024

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

The least expensive ZIP codes in Missouri for home insurance

The cheapest ZIP codes for home insurance in Missouri are

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

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.

CityAnnual insurance premium
Blue Springs
$2,483
Columbia
$2,168
Holts Summit
$2,104
Independence
$2,570
Kansas City
$2,768
Lee's Summit
$2,469
Springfield
$2,524
St. Charles
$2,001
St. Joseph
$2,521
St. Louis
$2,545
West Plains
$2,445

Compare homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
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