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When you rent a house or apartment, your property owner typically has insurance to cover the structure. But what happens if someone trips and falls into your apartment? The landlord's policy will not cover that. You need renters insurance for those claims.

Renters insurance can help protect your property from unexpected damage by providing you with low-cost coverage. There are many renters insurance companies in Missouri, but not all of them are worth your time. We’ve compared the best renters insurance companies based on their average premium cost and customer service rating to make your job easier.

Best renters insurance companies in Missouri

When it comes to choosing the best renters insurance company in Missouri, you want to make sure that you are comparing apples to apples. Our experts at have compared quotes, coverage options and J.D Power score from all the major insurers in Missouri. Below is the list of best renters insurance companies in Missouri:

  • USAA
  • State Farm
  • American Family
  • Allstate
  • Farmers

Compare best renters insurance companies in Missouri

USAA is our top pick for the best renters insurance company in Missouri. Its average rate for Missouri residents is $248 and earned the highest J.D. Power score (893) among the carriers surveyed. However, USSA only offers services to military veterans and their families.

You can get Missouri renters insurance from carriers like State Farm, American Family, Allstate, Liberty Mutual, Travelers, and Farmers. All these companies provide the most affordable renters insurance policies and they have earned good scores from J.D. Power.

There are a lot of different options for renters insurance in Missouri. How do you know which one is the best for you? Compare the average rate and J.D. Power score of the insurance providers mentioned below to find the best renters insurance in Missouri for your rented home or apartment.

CompanyJ.D. Power scoreAverage annual rate
State Farm866$299
American Family838$348
Liberty Mutual823$1,238

How much is renters insurance in Missouri

The average annual premium cost for renters insurance in Missouri is $369 or $31 a month. The recommended coverage level for renters insurance is $100,000 for liability coverage, $40,000 of personal property coverage, with a $1,000 deductible, based on a rate analysis by

Although prices differ depending on your location within the state, coverage limits, and value of your belongings. Before buying renters insurance make sure you compare price quotes from all the major insurance companies to get a standard renters insurance policy.

Average annual premiumAverage monthly premium

10 Most expensive zip codes in Missouri for renters insurance

The cost of renters insurance in Missouri can vary depending on where you live. There are certain areas that are more prone to theft and higher crime rates that lead to higher renters insurance premiums. The most expensive zip code for renters insurance in Missouri is 63147, its average annual rate is $429---$60 more than the state average ($369).

Below is a list of the 10 most expensive zip codes in Missouri for renters insurance.

ZIP codeAverage annual rate

10 Least expensive zip codes in Missouri for renters insurance

We have gathered quotes from major insurance carriers across all the zip codes and found that the least expensive zip code for renters insurance is 64453, its average rate is $348 annually.

Here are the least expensive zip codes for renters insurance in Missouri.

ZIP codeAverage annual rate

Cheap renters insurance in Missouri by carrier

Garrison is the cheapest renters insurance company in Missouri that provides renters insurance policy at an average of $208 a year, based on's rate analysis.

There are many carriers in Missouri that offer cheap renters insurance policies. Some of the best deals can be found by shopping around and comparing renters insurance rates. The table below shows some of the cheapest renters insurance providers in the state.

Company nameAverage annual premium
State Farm$288
American Family$330
Fire Ins Exch$507