USAA offers the cheapest homeowners insurance in Missouri, at $1,740 a year, or $145 a month, according to our research.
To help you find the best rate and the right homeowners insurance company for you, we studied the home insurance market in Missouri to compare premiums, policies and customer satisfaction.
In this article
Cheapest homeowners insurance companies in Missouri
Homeowners insurance rates may vary widely between providers. USAA has the cheapest home insurance in Missouri, at $1,740 per year, while Allstate tops out at $4,395 per year. However, USAA is only available to current and former military and some of their family members, so if you don't fit into any of those categories, take a look at American Family, which has an average annual rate of $2,034.
We recommend that you compare home insurance quotes before settling on a provider. We looked at quotes from seven insurers in Missouri in order to find the cheapest rates.
| Company | Average annual rate |
|---|---|
| Allstate | $4,395 |
| American Family | $2,034 |
| Nationwide | $3,379 |
| Shelter Insurance | $2,483 |
| State Farm | $2,416 |
| Travelers | $2,553 |
| USAA | $1,740 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does homeowners insurance cost in Missouri?
Missouri homeowners pay an average $2,714 a year for insurance, which is $960 above the national average. Missouri experiences extreme weather, which partly explains the state's high premiums. Residents can expect thunderstorms, earthquakes, tornadoes and snow storms.
In addition to these weather perils, your deductible directly impacts your homeowners insurance rate. You can choose the deductible that best suits your situation. Although a higher deductible lowers your premium, you should choose a deductible that you can comfortably afford.
| Deductible amount | Average annual rate |
|---|---|
| $500 | $2,827 |
| $1,000 | $2,714 |
| $1,500 | $2,591 |
| $2,000 | $2,478 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Missouri's best home insurance providers
We reviewed the top homeowners insurance companies in Missouri and analyzed their rates, discounts, customer service and more.
American Family: best rates for most homeowners
American Family homeowners insurance costs an average $2,034 a year, or 25% less than the state average of $2,714. According to our research, American Family is the cheapest home insurance company in Missouri after USAA. USAA only offers home insurance to U.S. military members and veterans, as well as their families.
American Family received a 0.37 rating in the NAIC Complaint Index, which measures the number of complaints an insurer receives relative to its size. The national average is 1.0, and a lower value indicates better performance.
USAA: best for military members
USAA is the best homeowners insurance provider for current and retired military members in Missouri. USAA provides insurance specifically for armed service members, both current and retired, as well as eligible members of their families.
In addition to offering insurance especially for military members, USAA also has the lowest average homeowners insurance premium in Missouri, $1,740 per year. J.D. Power gave USAA 882 out of 1,000 for customer satisfaction in its 2021 U.S. Home Insurance Study, which was the highest score.
Travelers: best discounts
Travelers has an average homeowners insurance rate of $2,553 in Missouri, $161 lower than the state average, but you can bring it down further with Travelers’ wide range of home insurance discounts.
For instance, you could save money on home insurance by taking advantage of Travelers' multi-policy discount. If you have an auto insurance policy and three other policies with Travelers, you can save up to 12% on average on home insurance. The three other policies can include umbrella, boat or a personal articles floater.
If your home is certified “green” by the Leadership Energy and Environmental Design (LEED) organization, you could save up to 5% on your homeowners insurance premium. You can also save if you have qualified smart home technology, a home security system, an interior sprinkler system or fire protective devices in your home.
Best customer service
When choosing a home insurance company, it's important to consider customer service. The table below shows how some of the biggest home insurance companies in Missouri stack up against each other in this area.
| Company | 2021 J.D. Power overall satisfaction (higher is better)* | 2021 NAIC Complaint Index (lower is better)** |
|---|---|---|
| Allstate | 829 | 1.12 |
| American Family | 831 | 0.37 |
| Nationwide | 812 | 0.49 |
| Shelter Insurance | - | 0.47 |
| State Farm | 835 | 1.01 |
| Travelers | 800 | 0.61 |
| USAA | 882 | 0.46 |
| *J.D. Power ratings from 2021 U.S. Home Insurance Study. **Complaint Index data from NAIC. | ||
See how much you can save when companies compete for your business
Homeowners insurance rates in Missouri by city
Given that Missouri has some of the highest homeowners insurance premiums in the nation, even the lowest homeowners insurance rates can be pricey. Of Missouri's most populous cities, O'Fallon has the lowest premium, $2,420 a year, and Kansas City has the highest, $2,988.
| City | Average annual rate |
|---|---|
| Kansas City | $2,988 |
| St. Louis | $2,593 |
| Springfield | $2,776 |
| Columbia | $2,425 |
| Independence | $2,875 |
| Lee’s Summit | $2,898 |
| O'Fallon | $2,420 |
| St. Joseph | $2,963 |
| St. Charles | $2,474 |
| St. Peters | $2,494 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance rates in Kansas City
Home insurance rates in Kansas City vary substantially between insurers. USAA and State Farm offer the cheapest average home insurance rates in Kansas City, at $1,811 and $2,286 a year, respectively. Allstate has the most expensive average premium in our study, at $4,597 a year.
| Company | Average annual rate |
|---|---|
| Allstate | $4,597 |
| American Family | $2,545 |
| Nationwide | $4,082 |
| Shelter Insurance | $2,731 |
| State Farm | $2,286 |
| Travelers | $2,865 |
| USAA | $1,811 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance rates in St. Louis
In St. Louis, USAA and American Family offer the cheapest average rates, at $1,441 and $2,087 a year, respectively, while Allstate offers the most expensive average rate, at $4,099 a year.
| Company | Average annual rate |
|---|---|
| Allstate | $4,099 |
| American Family | $2,087 |
| Nationwide | $2,746 |
| Shelter Insurance | $2,468 |
| State Farm | $2,294 |
| Travelers | $2,273 |
| USAA | $1,441 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Homeowners insurance rates in Missouri by county
Of Missouri's most populous counties, Boone County has the lowest home insurance premium, $2,442 a year, and Jasper County has the highest, $3,027.
| County | Average annual rate |
|---|---|
| St. Louis | $2,453 |
| Jackson | $2,978 |
| St. Charles | $2,453 |
| St. Louis City | $2,665 |
| Greene | $2,791 |
| Clay | $2,892 |
| Jefferson | $2,462 |
| Boone | $2,442 |
| Jasper | $3,027 |
| Cass | $2,990 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Most common home insurance perils in Missouri
Home insurance premiums in Missouri are higher than the national average in part due to extreme weather events such as tornadoes and snow storms. You may face one of these natural disasters if you live in Missouri:
- Tornadoes
- Flooding
- Thunderstorms
- Severe snow storms
Missouri experiences 32 tornadoes in a year, on average. A tornado can severely damage a home. Home insurance companies raise their rates to compensate for that risk.
You can prepare your home for a natural disaster by:
- Taking a complete household inventory.
- Taking a video recording or photos of your home.
- Boarding up windows in preparation for a severe storm.
- Purchasing flood insurance from FEMA.
Methodology
We collected non-binding quotes from every ZIP code in Missouri for a standard HO-3 homeowners insurance policy with the following coverages:
- Dwelling: $275,000
- Other structures: $27,500
- Personal property: $137,500
- Loss of use: $55,000
- Liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000 (unless otherwise noted)
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