Call our licensed agents toll free 844.855.0163
Go To Top
Why you should trust is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. maintains editorial integrity through strict independence from insurance companies.

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

Renters insurance coverage can help protect your property from unexpected damage by providing you with low-cost coverage. There are many renter's 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.

Key takeaways

  • Missouri residents pay an average of $17 monthly for standard renters insurance policy.
  • With a J.D.Power score of 886 out of 1,000, USAA is the best renters insurance company based on the research. The average rate of the policy is $113 per year.
  • The average annual rate of the most expensive ZIP code in Missouri is $30 more than the state average for a renters insurance policy.
  • At $113 per year, USAA offers the cheapest renters insurance in Missouri.

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:

CompanyAverage rating(out of 5)
State Farm3.5
Auto Club3
Farmers Insurance2

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 $113 and earned the highest J.D. Power score (886) among the carriers surveyed.

Apart from USAA, you can get Missouri renters insurance from carriers like State Farm, Auto Club. All these companies provide cheap insurance rates and they have also 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 company for your rented home or apartment.

CompanyJ.D. Power ScoreAverage Annual PremiumAM Best Ratings
Auto Club852$197A
Farmers Insurance831$278A
State Farm836$212A++

How much is renters insurance in Missouri

The average annual premium cost for renters insurance in Missouri is $206 or $17 a month. The recommended coverage level for renters insurance is $100,000 for liability protection, $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. 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 63102, its average annual rate is $236--- $30 more than the state average ($206).

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 63501, its average rate is $197 annually.

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

ZIP codeAverage Annual Rate

Cheap renters insurance in Missouri by carrier

USAA is the cheapest renters insurance company in Missouri that provides renters insurance policies at an average of $113 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 rates. The table below shows some of the cheapest renters insurance providers in the state.

Company NameAverage Annual Premium
Auto Club Enterprises (AAA)$197
Shelter Insurance$206
State Farm$212
American Family$336

Methodology compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1000 deductible and $100,000 liability coverage for all available ZIP codes. ZIP codes were ranked based on the average rates for personal property coverage of $40,000, liability coverage of $100,000, and a $1,000 deductible and included good credit ratings. Content was updated in 2023.

See How Much You Can Save
See How Much You Can Save
Please enter valid zip

You may also like to explore