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.
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 |
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.
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 TexasMost & least expensive ZIP codes for homeowners insurance in Texas
Most expensive
ZIP code | City | Highest rate |
---|---|---|
77550 | Galveston | $10,164 |
77586 | El Lago | $9,906 |
77551 | Galveston | $9,536 |
77554 | Galveston | $9,358 |
Least expensive
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 |
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 InsuranceThe 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 |
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 |
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
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