Best and cheapest renters insurance in Missouri

Best renters insurance companies in Missouri

When choosing the best renters insurance company in Missouri, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in Missouri. Below is our list of best renters insurance companies in Missouri based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

Company	Average rating(out of 5)
State Farm	4
USAA	3.5
Farmers	3
Nationwide	3
Allstate	2.5
American Family	2.5

Compare the best renters insurance companies in Missouri

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money’s worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Missouri residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, State Farm is the best renters insurance company in Missouri. It earned 844 out of 1000 from J.D. Power and has an average renters insurance rate of $212.

The table below offers a detailed comparison of renters insurance companies in Missouri.

Company	J.D. Power Score	Average Annual Premium	AM Best Ratings
State Farm	844	$212	A++
USAA	894	$113	A++
Nationwide	852	$284	A+
Farmers	842	$278	A
American Family	856	$336	A
Allstate	835	$307	A+

How much is renters insurance in Missouri

Missouri residents pay an average of $206 a year for renters insurance, and the average monthly cost is $17. That’s for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance will not be the same as a neighbor’s price because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

“The number one thing that’s most important is to get good liability. A renter’s policy will default to $100,000 liability,” Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. “It costs next to nothing to go from $100,000 to $500,000. I want to say it’s probably 10 bucks a year. It’s really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that’s, at its core, what insurance is all about: the worst-case scenario.”

Average Annual Premium	Average Monthly Premium
$206	$17

Most expensive ZIP codes in Missouri for renters insurance

Several factors affect your renters insurance coverage cost in Missouri, including your location and the coverage you buy. The most expensive ZIP code in Missouri for renters insurance is 63102, where the average annual rate is $236 which is $30 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in Missouri for renters insurance.

ZIP code	Average Annual Rate
63102	$236
63107	$234
63180	$233
63120	$231
63139	$230
63867	$229
63845	$228
63851	$227
63840	$226
63114	$225

Least expensive ZIP codes in Missouri for renters insurance

Renters insurance rates in Missouri are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Missouri is 63501, and its average annual rate is $197.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP code	Average Annual Rate
63501	$197
64455	$198
64653	$199
64446	$200
63384	$201
64061	$202
63347	$203
63369	$204
64036	$205
64084	$206

Compare renters insurance rates by city in Missouri

Renters 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 renters insurance for your specific city in Missouri.

City	Annual insurance premium
Blue Springs	$209
Columbia	$200
Independence	$214
Kansas City	$215
Lee's Summit	$206
Springfield	$205
St. Charles	$208
St. Joseph	$201
St. Louis	$233

Cheap renters insurance in Missouri by company

There are a lot of companies offering renters insurance in Missouri. Among the carriers surveyed by Insurance.com, USAA is the cheapest renters insurance company in Missouri; its average annual premium is $113.

Renters insurance prices can vary drastically between companies. That’s why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the best cheap renters insurance companies in Missouri and their average annual premiums.

Company Name	Average Annual Premium
USAA	$113
Auto Club Enterprises (AAA)	$197
Shelter Insurance	$206
State Farm	$212
Farmers	$278
Nationwide	$284
Allstate	$307
American Family	$336

Methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. Content was updated in 2023.