Compare Homeowners Insurance In Missouri
The average cost of homeowners insurance in Missouri is $1,424 a year, or $209 above the national average of $1,215. To help you find your best rate and the right homeowners insurance company for you, we studied the homeowners insurance market in Missouri to compare premiums, policies and customer satisfaction. Here's what we found:
- Lowest rates: Auto Club Family
- Best for military members: USAA
- Best for pet owners: State Farm
- Best for discounts: Travelers
How much does homeowners insurance cost in Missouri?
Missouri homeowners pay an average insurance premium of $1,424 a year, or $119 a month. Part of the reason for higher-than-average homeowners insurance rates is the increase in extreme storms in the state over the past few years. There's also a trend of larger homes being built in Missouri. Both of these factors may add up to higher rates.
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Today | 2017 | 2016 | 2015 |
|---|---|---|---|---|
| Missouri annual average | $1,424 | $1,285 | $1,280 | $1,253 |
| Missouri price per month | $119 | $107 | $107 | $104 |
| U.S. annual average | $1,215 | $1,211 | $1,192 | $1,173 |
| U.S. price per month | $101 | $101 | $99 | $98 |
| Note: Average rates for today are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. 2015 to 2017 rates are from the NAIC. | ||||
Homeowners insurance rates vary between providers at the two ends. Auto Club Family comes in with an average home insurance rate of $872, while Liberty tops out at $2,507, which is 76% higher than the Missouri average premium. We recommend that you compare home insurance quotes before settling on one home insurance provider.
Best homeowners insurance companies in Missouri
Auto Club Family: lowest premiums
Auto Club Family homeowners insurance costs an average of $872 a year, or 39% below the state annual average premium of $1,424. According to our research, it's the cheapest home insurance company in Missouri.
J.D. Power gave Auto Club Family three out of five stars in its 2019 U.S. home insurance study for overall customer satisfaction. And Auto Club Family received a 0.32 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 index value indicates better performance. Given that Auto Club Family's index ranking is less than half of the overall average of 0.77, this shows Auto Club Family homeowners insurance has a good combination of premium price and customer care.
USAA: best for armed services
USAA has shown itself to be the best homeowners insurance provider for current and retired military members in Missouri. Missouri is home to 17,072 serving members of the military, and veterans make up 9.76% of the population. USAA provides insurance specifically for armed service members, both current and retired.
In addition to offering insurance especially for military members, USAA also has the second-lowest average homeowners insurance premium in Missouri, at $1,101 per year. J.D. Power gave USAA one of only three five-out-of-five ratings for customer satisfaction in its 2019 home insurance survey. USAA has a standing record for topping J.D. Power's customer satisfaction ranking year after year, showing an excellent dedication to providing reliable rates and service.
Given that USAA's policyholder base is primarily military members, it offers homeowners insurance coverages not usually found from other providers, such as personal property coverage in war zones.
State Farm: best for dog owners
Many homeowners insurance providers have strict limits to cover certain dog breeds. This can result in higher rates or even denial of coverage. State Farm has an "It's Not the Breed, It's the Bite" policy, meaning that any dog is capable of biting, regardless of breed. If your dog has a history of biting, it could affect your premium and coverage, but your homeowners insurance won't change just because you have a specific breed.
In J.D. Power's 2019 home insurance survey, State Farm received an above-average four-out-of-five-star rating. State Farm received a below-average 0.2 in NAIC's Complaint Index. State Farm's average yearly homeowners insurance rate in Missouri is $1,324, which comes in below the state average of $1,424.
Travelers: best discounts
Traveler's average homeowners insurance rate in Missouri is $1,317 a year. This comes in below Missouri's average yearly homeowners insurance premium of $1,423. You can bring that rate down even more with Travelers' wide range of home insurance discounts:
- You can save up to 15% on homeowners insurance and 13% on auto insurance if you bundle the two policies together with Travelers.
- If you purchase homeowners insurance early, up to 12 months prior to the policy start date, Travelers may give you an early bird discount.
- You may qualify for a discount if you upgrade your home with security devices such as alarms, deadbolts or indoor sprinkler systems.
- If you "go green" and upgrade you home to Leadership in Energy and Environmental Design, or LEED, certification standards, you could save up to 5% on your homeowners insurance premium.
Biggest homeowners insurance companies in Missouri
| Company | Market share | 2019 J.D. Power customer satisfaction | NAIC Complaint Index |
|---|---|---|---|
| State Farm | 25.29% | 4/5 | 0.25 |
| American Family | 15.50% | 3/5 | 0.62 |
| Liberty Mutual | 8.64% | 2/5 | 0.45 |
| Shelter Mutual | 5.05% | - | 0.34 |
| USAA | 4.67% | 5/5 | 0.15 |
| Auto Club Family | 3.89% | 3/5 | 0.65 |
| Travelers | 3.73% | 2/5 | 0.08 |
State Farm has the biggest market share for all home insurance companies in Missouri. More than 25% of policyholders in Missouri have coverage through State Farm. The next closest insurer is American Family with more than 15% of the market share. The J.D. Power customer service satisfaction rating is a good indiciation of how policyholders feel about their insurer, but it's not the only important metric. See our picks for the best home insurance companies in America to learn more.
Homeowners insurance rates in Missouri by city
Given that homeowners insurance premiums in Missouri are some of the highest in the nation, even the lowest homeowners insurance rates come out pretty high. Of Missouri's most populous cities, O'Fallon has the lowest premium, of $1,246 a year, and Kansas City has the highest, at $1,491.
| City | Average annual homeowners insurance cost |
|---|---|
| Columbia | $1,366 |
| Independence | $1,440 |
| Kansas City | $1,491 |
| Lee's Summit | $1,437 |
| O'Fallon | $1,246 |
| Springfield | $1,447 |
| St. Charles | $1,254 |
| St. Joseph | $1,448 |
| St. Louis | $1,375 |
| St. Peters | $1,251 |
| 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
Here's how homeowners insurance rates across counties in Missouri compare:
| County | Average annual homeowners insurance cost |
|---|---|
| Adair | $1,366 |
| Andrew | $1,490 |
| Atchison | $1,461 |
| Audrain | $1,343 |
| Barry | $1,545 |
| Barton | $1,512 |
| Bates | $1,533 |
| Benton | $1,418 |
| Bollinger | $1,416 |
| Boone | $1,369 |
| Buchanan | $1,490 |
| Butler | $1,461 |
| Caldwell | $1,454 |
| Camden | $1,353 |
| Cape Girardeau | $1,429 |
| Carroll | $1,415 |
| Carter | $1,411 |
| Cass | $1,482 |
| Cedar | $1,505 |
| Chariton | $1,512 |
| Christian | $1,377 |
| Clark | $1,528 |
| Clay | $1,357 |
| Clinton | $1,427 |
| Cole | $1,492 |
| Cooper | $1,372 |
| Crawford | $1,366 |
| Dade | $1,395 |
| Dallas | $1,530 |
| Daviess | $1,514 |
| DeKalb | $1,427 |
| Dent | $1,462 |
| Douglas | $1,408 |
| Dunklin | $1,472 |
| Franklin | $1,481 |
| Gasconade | $1,336 |
| Gentry | $1,345 |
| Greene | $1,445 |
| Grundy | $1,466 |
| Harrison | $1,396 |
| Henry | $1,401 |
| Hickory | $1,451 |
| Holt | $1,513 |
| Howard | $1,474 |
| Howell | $1,360 |
| Iron | $1,431 |
| Jackson | $1,443 |
| Jasper | $1,489 |
| Jefferson | $1,540 |
| Johnson | $1,369 |
| Knox | $1,466 |
| Laclede | $1,352 |
| Lafayette | $1,468 |
| Lawrence | $1,449 |
| Lewis | $1,539 |
| Lincoln | $1,367 |
| Linn | $1,355 |
| Livingston | $1,370 |
| Macon | $1,390 |
| Madison | $1,372 |
| Maries | $1,458 |
| Marion | $1,387 |
| McDonald | $1,590 |
| Mercer | $1,386 |
| Miller | $1,393 |
| Mississippi | $1,428 |
| Moniteau | $1,364 |
| Monroe | $1,352 |
| Montgomery | $1,356 |
| Morgan | $1,405 |
| New Madrid | $1,471 |
| Newton | $1,558 |
| Nodaway | $1,438 |
| Oregon | $1,452 |
| Osage | $1,387 |
| Ozark | $1,460 |
| Pemiscot | $1,507 |
| Perry | $1,390 |
| Pettis | $1,406 |
| Phelps | $1,386 |
| Pike | $1,361 |
| Platte | $1,443 |
| Polk | $1,523 |
| Pulaski | $1,422 |
| Putnam | $1,379 |
| Ralls | $1,353 |
| Randolph | $1,369 |
| Ray | $1,463 |
| Reynolds | $1,492 |
| Ripley | $1,485 |
| Saline | $1,391 |
| Schuyler | $1,373 |
| Scotland | $1,372 |
| St. Louis | $1,329 |
| Ste. Genevieve | $1,401 |
| Stoddard | $1,436 |
| Stone | $1,560 |
| Sullivan | $1,391 |
| Taney | $1,519 |
| Texas | $1,461 |
| Vernon | $1,533 |
| Warren | $1,345 |
| Washington | $1,404 |
| Wayne | $1,444 |
| Webster | $1,514 |
| Worth | $1,445 |
| Wright | $1,486 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Methodology
We compiled homeowners insurance quotes for every ZIP code in Missouri from the seven top insurers. We based our analysis on Auto Club Family, USAA, Shelter Mutual, Travelers, State Farm, American Family Mutual and Liberty Mutual policy data. Quotes were based on a home worth $174,348, built in 1975 and owned by a 57-year-old. These are the median home value, construction date, and homeowner age in Missouri.
We picked the insurers for our study using S&P Global Market Intelligence, which ensures results as localized to Missouri as possible. The largest subsidiary in Missouri of every insurer studied was taken as a representative for the company.
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