Key Takeaways
- Allstate has the cheapest homeowners insurance in Missouri, at $150 a month.
- Missouri's average home insurance rate is 57% higher than the national average.
In this article
Missouri's cheapest home insurance companies
Allstate has the cheapest home insurance in Missouri, at an average $150 a month. Nationwide is next, at $172, then American Family, at $294.
While USAA's average home insurance rate in Missouri is even lower, it only provides insurance to military members and some of their family members.
| Company | Average monthly rate |
|---|---|
| Allstate | $150 |
| Nationwide | $172 |
| American Family | $294 |
| Farmers | $553 |
| Shelter | $200 |
| State Farm | $228 |
| Travelers | $239 |
| USAA | $164 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does home insurance cost in Missouri?
The average cost of home insurance in Missouri is $250 a month. That's 57% more than the national average home insurance rate of $159 a month.
Home insurance companies look at various factors when calculating your quote, including:
- Your ZIP code
- The age of your house
- Construction materials used
- Renovations made to the house
- Your insurance claim history
- Breed of pets living in the house
Home insurance companies weigh risk factors differently when calculating your quote. For example, one provider may consider your neighborhood a higher risk than another when calculating your quote. This is why similar policies have different rates. To get the best coverage for the best price, compare home insurance quotes from multiple providers.
Your deductible also affects your quote. If you choose a high deductible, you pay a cheaper rate. The table below shows how the average home insurance rate in Missouri changes with different deductibles.
| Deductible | Average annual rate |
|---|---|
| $500 | $2,792 |
| $1,000 | $2,596 |
| $1,500 | $2,472 |
| $2,000 | $2,269 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The dwelling coverage limit you choose influences your rate as well. You need enough dwelling coverage to rebuild your house in the event of a total loss. The table below shows average rates in Missouri based on different dwelling coverage limits.
| Dwelling coverage limit | Average annual premium |
|---|---|
| $200,000 | $2,146 |
| $350,000 | $3,210 |
| $425,000 | $3,898 |
| $500,000 | $4,609 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
See how much you could save on home insurance
Best homeowners insurance companies in Missouri
Allstate has the cheapest rates for home insurance in Missouri, and Nationwide has the next-cheapest rates and best discounts.
Allstate: Best rates
Lowest annual rate: $1,796
State average: $2,999
40% cheaper than state average
Cheapest rates in Missouri
High customer satisfaction ratings
Excellent (A-) Financial Stability Rating from A.M. Best
High NAIC complaint rating (0.33)
Nationwide: Best discounts
Lowest annual rate: $2,060
31% cheaper than state average
Home insurance discounts include:
- New home purchase discount: Get a lower rate if you purchased your home in the last 12 months.
- Bundling: Bundle your home insurance with a car insurance policy through Nationwide and save money on both policies.
- Claims-free: You may qualify for a discount If you have no claims on your insurance record.
Good premiums
Best discounts
No online chat function
Customer service ratings for home insurance companies in Missouri
Of the biggest home insurance providers in Missouri, American Family has the highest customer service rating. The company also has the lowest Complaint Index from the National Association of Insurance Commissioners.
Home insurance company customer satisfaction scores
| Company | Overall satisfaction score |
|---|---|
| Allstate | 815 |
| American Family | 842 |
| Farmers | 792 |
| Nationwide | 816 |
| Shelter | NA |
| State Farm | 829 |
| Travelers | 794 |
| USAA* | 884 |
| Source: J.D. Power 2022 U.S. Home Insurance Study. *Company is not rank eligible because it does not meet study award criteria. | |
J.D. Power's customer service rankings are based on customer satisfaction with an insurer's interaction, policy offerings, price, billing process, policy information and claims processes.
Home insurance company complaint ratings
| Company | Complaint Index |
|---|---|
| Allstate | 0.33 |
| American Family | 0.16 |
| Farmers | 0.30 |
| Nationwide | NA |
| Shelter | NA |
| State Farm | 0.35 |
| Travelers | NA |
| USAA | 0.31 |
| Source: National Association of Insurance Commissioners (2023) | |
The NAIC Complaint Index rates policyholders' claim-based complaints filed with state insurance departments.
Cheapest home insurance in Missouri by city
Of the 10 biggest cities in Missouri, Chesterfield has the most affordable average homeowners insurance rate, at $2,496 a year. Kansas City has the highest rate, $3,528 a year.
| City | Average annual rate |
|---|---|
| Chesterfield | $2,496 |
| O'Fallon | $2,502 |
| Florissant | $2,544 |
| Columbia | $2,577 |
| Blue Springs | $3,097 |
| Lee's Summit | $3,127 |
| Springfield | $3,199 |
| Joplin | $3,310 |
| Independence | $3,372 |
| Kansas City | $3,528 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Chesterfield
Allstate has the lowest rate for homeowners insurance in Chesterfield, $1,770 a year. Nationwide is second-cheapest, at $1,838 a year.
| Company | Average annual rate |
|---|---|
| Allstate | $1,770 |
| Nationwide | $1,838 |
| Shelter | $2,198 |
| Travelers | $2,279 |
| State Farm | $2,310 |
| American Family | $3,422 |
| Farmers | $4,574 |
| USAA | $1,575 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in O'Fallon
Allstate has the lowest rate for homeowners insurance in O'Fallon, $1,808 a year. Nationwide is second-cheapest, at $1,937 a year.
| Company | Average annual rate |
|---|---|
| Allstate | $1,808 |
| Nationwide | $1,937 |
| State Farm | $2,172 |
| Shelter | $2,184 |
| Travelers | $2,411 |
| American Family | $2,935 |
| Farmers | $4,937 |
| USAA | $1,632 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Florissant
Allstate has the cheapest average home insurance rate in Florissant, $1,567 a year. Nationwide has the next-lowest rate, $1,921 a year.
| Company | Average annual rate |
|---|---|
| Allstate | $1,567 |
| Nationwide | $1,921 |
| Shelter | $2,198 |
| State Farm | $2,365 |
| Travelers | $2,671 |
| American Family | $3,422 |
| Farmers | $4,574 |
| USAA | $1,635 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Missouri by county
Of the 10 largest counties in Missouri, St. Charles County has the most affordable average homeowners insurance rate of $2,529 a year. Jackson County is the most expensive, at $3,453 a year.
| County | Average annual rate |
|---|---|
| St. Charles | $2,529 |
| Boone | $2,578 |
| Jefferson | $2,721 |
| St. Louis | $2,748 |
| Cass | $3,181 |
| Greene | $3,200 |
| Jasper | $3,298 |
| Clay | $3,299 |
| St. Louis | $3,433 |
| Jackson | $3,453 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Frequently asked questions
How much is home insurance in Missouri?
Missouri homeowners insurance costs an average $250 a month, 57% more than the national average.
Which home insurance company has the cheapest rates in Missouri?
Allstate has the lowest rates for home insurance in Missouri, at an average $150 a month.
Why is Missouri homeowners insurance so expensive?
Missouri experiences many floods in the spring and summer. Furthermore, Missouri is susceptible to earthquakes and tornadoes. All of these factors are considered high-risk by insurance providers, which charge higher rates to offset their own costs.
Methodology
We collected quotes from every ZIP code in Missouri for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
Home insurance by city
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