Compare Homeowners Insurance In Missouri
Missouri is one of the most expensive states for homeowners insurance. The average cost of homeowners insurance in Missouri is $2,251 a year, or $516 more than the national average of $1,735. But we saw annual rates as low as $1,214 per year, as costs vary between companies and areas.
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.
- Average home insurance rates in Missouri
- Cheapest home insurance companies
- Best home insurance companies
- Average home insurance rates by location
How much does homeowners insurance cost in Missouri?
Missouri homeowners pay an average $2,251 a year, or $188 a month, for insurance. Missouri faces extreme weather, which helps explain the state's high premiums. Residents can expect thunderstorms, earthquakes, tornadoes and snowstorms.
| 2021 | 2020 | 2018 | |
|---|---|---|---|
|
Average annual rate |
$2,251 |
$1,424 |
$1,383 |
|
Average monthly rate |
$188 |
$119 |
$115 |
| Note: Average rates for 2021 and 2020 are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. Rates from 2018 are from the NAIC. | |||
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 |
$2,452 |
|
$1,000 |
$2,251 |
|
$1,500 |
$2,097 |
|
$2,000 |
$2,019 |
| Note: Average rates for 2021 are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest homeowners insurance companies in Missouri
Homeowners insurance rates vary between providers. Auto Club Family has the cheapest home insurance in Missouri, at $1,605 per year, while American Family tops out at $2,884 per year. We recommend that you compare home insurance quotes before settling on a provider. We looked at quotes from six insurers in Missouri in order to find the cheapest rates.
Note: Average rates for 2021 are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
See how much you can save when companies compete for your business
Best homeowners insurance companies in Missouri
Auto Club Family: cheapest rates
Auto Club Family homeowners insurance costs an average $1,605 a year, or 29% less than the state average of $2,251. According to our research, it's the cheapest home insurance company in Missouri.
Auto Club Family received a 0.71 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 armed services members
USAA has shown itself to be 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.
In addition to offering insurance especially for military members, USAA also has the second-lowest average homeowners insurance premium in Missouri, $1,734 per year. J.D. Power gave USAA 889 out of 1,000 for customer satisfaction in its 2020 U.S. Home Insurance Study, which was the highest score.
Travelers: best discounts
Although Travelers' average homeowners insurance rate in Missouri is higher than the state average, you can bring it down with the company's wide range of home insurance discounts.
You could save money on home insurance by taking advantage of Travelers' multi-policy and loss-free discounts. 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 as a “green home” 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.
State Farm: best overall value
State Farm offers competitive rates and great coverage. Our research found that State Farm offers an average annual premium of $2,321 in Missouri, which is $70 more than the state average. Along with standard coverages, State Farm offers a variety of add-ons that many of its competitors may not. Examples of these include coverage for sports equipment and musical instruments.
State Farm also has decent customer service scores. State Farm had a NAIC Complaint Index of 0.74 in 2020. This means that it received less complaints than what's expected in the market. It also had a J.D. Power rating of 829 out of 1,000 in its 2020 home insurance study, which was higher than the segment average of 823.
| Company | 2020 NAIC Complaint Index (lower is better)* | 2020 J.D. Power rating (out of 1,000) |
|---|---|---|
|
Liberty Mutual |
0.11 |
805 |
|
Shelter |
0.25 |
- |
|
Travelers |
0.52 |
803 |
|
American Family |
0.55 |
821 |
|
Farmers |
0.57 |
814 |
|
Nationwide |
0.66 |
808 |
|
Auto Club Family |
0.71 |
- |
|
USAA |
0.73 |
889 |
|
State Farm |
0.74 |
829 |
|
Allstate |
1.0 |
829 |
|
Missouri Farm Bureau Insurance |
- |
- |
| Note: *Complaint Index is based on 2020 data from the National Association of Insurance Commissioners. J.D. Power ratings are based on its 2020 U.S. Home Insurance Study. | ||
Liberty Mutual has the best NAIC Complaint Index score, but it ranks low in the J.D. Power home insurance study. American Family has a good NAIC Complaint Index score, as well as a decent J.D. Power score. The J.D. Power customer service satisfaction rating is a good indication 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 can be pricey. Of Missouri's most populous cities, O'Fallon has the lowest premium, $1,941 a year, and Kansas City has the highest, $2,401.
| City | Average annual rate |
|---|---|
|
Kansas City |
$2,401 |
|
St. Louis |
$2,200 |
|
Springfield |
$2,316 |
|
Columbia |
$2,123 |
|
Independence |
$2,313 |
|
Lee's Summit |
$2,304 |
|
O'Fallon |
$1,941 |
|
St. Joseph |
$2,321 |
|
St. Charles |
$1,966 |
|
St. Peters |
$1,966 |
| Note: Average rates for 2021 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, St. Charles County has the lowest premium, $1,962 a year, and Jasper County has the highest, $2,475.
| County | Average annual rate |
|---|---|
|
St. Louis |
$2,090 |
|
Jackson |
$2,406 |
|
St. Charles |
$1,962 |
|
St. Louis |
$2,253 |
|
Greene |
$2,338 |
|
Clay |
$2,264 |
|
Jefferson |
$2,177 |
|
Boone |
$2,128 |
|
Jasper |
$2,475 |
|
Cass |
$2,404 |
| Note: Average rates for 2021 are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare rates from insurers in Missouri, all in one place
Methodology
We collected quotes from every ZIP code in Missouri for a standard HO-3 homeowners insurance policy. We used the following coverages:
- $275,000 dwelling coverage
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
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