Home Condo insurance Condo insurance cost How much does condo insurance cost in Missouri? How much does condo insurance cost in Missouri? The average cost of condo insurance in Missouri is $485 per year, with Shelter Insurance offering the most affordable option at $283 annually. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILE | Expert insight from Brenda WellsBrenda WellsChair of the Department of Finance and Insurance at East Carolina University."The same factors that affect the rates on any other residential structure affect the rates on condominiums. The main things we look at in setting insurance rates are the buildings construction and safety features, the geographic location, and the occupancy or use of the property."Go to commentSee moreSee less | Updated onJune 2, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. If you’re shopping for condo insurance in Missouri, you can expect to pay an average of $485 a year. However, you can save on your premiums by shopping around.Shelter Insurance and State Farm offer the most affordable condo insurance rates in Missouri, with average premiums of $283 and $356, respectively. These quotes are for a policy that includes $60,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. Keep reading for a closer look at condo insurance costs in Missouri by company, coverage amount, and other key factors. Key TakeawaysCondo insurance in Missouri costs an average of $485 annually or $40 a month.Condo owners in Missouri will find the most affordable insurance rates with Shelter Insurance, State Farm, and Auto Club Enterprises (AAA).Shop around and compare your options to find the best condo insurance in Missouri.What insurance do condo and co-op owners need?According to the Insurance Information Institute (III), condo and co-op owners usually need two types of coverage: a master policy for the building and an individual policy for the unit owner. Master policy: Covers shared structures, common areas and building-owned property.Individual policy: Covers your belongings, liability, and any parts of your unit not protected by the master policy.Average cost of condo insurance in MissouriThe average cost of condo insurance in Missouri is $485 per year, or about $40 per month. That’s based on a sample policy with $60,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.Condo insurance in Missouri costs $171 less than the national average of $656.Average annual premiumAverage monthly premium$485$40Powered by:Compare condo insurance rates in Missouri by coverage levelCondo insurance rates depend on the coverage limits you select. For example, a policy with $40,000 in personal property coverage, $100,000 in liability protection, and a $1,000 deductible costs around $420 per year.If you increase the personal liability coverage from $100,000 to $300,000, your rates will increase to $434 a year.If you raise personal property coverage to $60,000 – while keeping liability at $100,000 and the deductible at $1,000 – you can expect to pay around $471 per year for condo insurance in Missouri.“Condo insurance provides a comprehensive and standardized package of coverages for the condominium owner. The insured gets coverage for both property and liability exposures, as well as assessment coverages. Assessments can result after a neighborhood association suffers damage to a piece of commonly owned property, such as the pool house or the leasing office,” says Brenda Wells, chair of the Department of Finance and Insurance at East Carolina University.How much condo insurance coverage you need will impact the price of your policy. Below, you’ll see rates for condo insurance in Missouri at various coverage levels so you know what to expect.Coverage levelAverage annual ratesAverage monthly rates40000 with 1000 Deductible and 100000 Liability and None Hurricane$420$3540000 with 1000 Deductible and 300000 Liability and None Hurricane$434$3660000 with 1000 Deductible and 100000 Liability and None Hurricane$471$3960000 with 1000 Deductible and 300000 Liability and None Hurricane$485$4080000 with 1000 Deductible and 100000 Liability and None Hurricane$517$4380000 with 1000 Deductible and 300000 Liability and None Hurricane$531$44100000 with 1000 Deductible and 100000 Liability and None Hurricane$559$47100000 with 1000 Deductible and 300000 Liability and None Hurricane$573$48Powered by:Average condo insurance cost from top companies in MissouriCondo insurance rates vary by company. Shelter Insurance offers the most affordable condo insurance rates in Missouri at an average annual cost of $283. It’s followed by State Farm at $356 and Auto Club Enterprises (AAA) at $390.Below, you’ll see rates from the top condo insurance companies in Missouri.CompanyAverage annual ratesAverage monthly ratesShelter Insurance$283 $24 State Farm$356 $30 Auto Club Enterprises (AAA)$390 $33 Allstate$471 $39 American Family$637 $53 Farmers$653 $54 Nationwide$657 $55 USAA*$471 $39 *USAA is only available to military community members and their families.Powered by: Condo insurance cost by city in MissouriWhere you live in Missouri also affects what you pay for condo insurance. Below are the average condo insurance rates for major cities in Missouri. The cheapest city for condo insurance in Missouri is St. Charles at an average rate of $455 .CityAverage annual ratesAverage monthly ratesSt. Charles$455$38Lee’s Summit$459$38Blue Springs$467$39Independence$472$39Columbia$473$39Kansas City$475$40St. Joseph$485$40St. Louis$492$41Springfield$497$41Powered by: Best condo insurance companies in MissouriRates aren’t everything; you want a condo insurance company with a good reputation and strong customer service, too. We analyzed rates, customer service ratings and financial stability scores to find the best condo insurance companies in Missouri.Shelter Insurance tops the list of the best condo insurance companies with an overall rating of 4.80 out of 5. The insurer received an A rating from AM Best and a score of 0.39 from NAIC.Apart from Shelter Insurance, State Farm and Auto Club Enterprises (AAA) made it to the top three on our best condo insurance companies rankings, with an overall ranking of 4.15 and 3.62, respectively. Company groupAnnual premiumAM BestNAIC ratingInsure.com ratingShelter Insurance$283A0.394.8State Farm$356A++1.014.15Auto Club Enterprises (AAA)$390A+1.343.62Allstate$471A+1.323.34Farmers$653A0.813.03Nationwide$657A12.84American Family$637A1.12.82USAA*$471A++0.434.26*USAA is only available to military community members and their families.Powered by:Condo insurance rates can vary based on location, coverage limits and the insurer you choose. On average, you’ll pay $40 per month for condo insurance in Missouri, but your rate may be higher or lower depending on your situation. That’s why shopping around and comparing quotes from different insurers is important to get the best deal.What drives up condo insurance costs in Missouri?Condo insurance costs in Missouri are driven up by the risk of natural disasters, expensive repair costs, and a rise in overall insurance claims. Weather events and local construction costs play an especially big role in what condo owners pay for coverage. Knowing which disasters are most common in your area can help you choose the right coverage, whether that means raising your limits, adjusting your deductible, or adding protection for hazards like floods or earthquakes. In Missouri, the disasters most likely to affect condo owners – and your premium – include Heat wave, Ice storm and Winter weather.Check your policy before disaster seasonStandard condo insurance usually includes floods and earthquakes. If you’re in a flood zone, ask your insurer about adding separate coverage – waiting until a storm is forecast is too late, since many insurers pause issuing new policies once a named event approaches.Frequently asked questionsIs condo insurance required in Missouri?No state law requires condo insurance. However, if you have a mortgage on your condo, your lender will require that you have a condo insurance policy.What affects condo insurance costs in Missouri?Condo insurance rates are affected by several factors, including where the condo is located, your credit history, how much coverage you need and claims history (both yours and the unit’s).“A condominium is an individual unit inside a structure filled with adjoining residential units. The same factors that affect the rates on any other residential structure affect the rates on condominiums. The main things we look at in setting insurance rates are the building’s construction and safety features, the geographic location and the occupancy or use of the property,” Wells says.How does the condo association’s master policy affect my insurance coverage?The master policy of your condo association generally covers the exterior of the building and common areas, but not your unit. Your condo insurance (HO-6) covers your unit’s interior and personal belongings and liability protection in case someone is injured inside your unit.What our expert says Q: What affects condo insurance rates? Brenda WellsChair of the Department of Finance and Insurance at East Carolina University. “The same factors that affect the rates on any other residential structure affect the rates on condominiums. The main things we look at in setting insurance rates are the buildings construction and safety features, the geographic location, and the occupancy or use of the property.” MethodologyInsure.com commissioned condo insurance rates from Quadrant Data Services for condo (HO-6) insurance policies in all 50 states and Washington, D.C. Rates were fielded for a condo insurance policy with coverage levels of $40,000, $60,000 and $100,000 for personal property and at $100,000 and $300,000, with a $1,000 deductible.Rates were fielded from 34,588 ZIP codes and 145 companies and were based on a good credit tier where credit is used in calculating rates.For the best insurance companies rankings, if two companies received the same overall score, the company with the lower average rate was ranked higher and the second company was placed immediately after.Condo insurance cost in other statesAlaska$930/YearAlabama$655/YearArkansas$801/YearArizona$892/YearCalifornia$767/YearColorado$883/YearConnecticut$646/YearWashington, D.C.$503/YearDelaware$407/YearFlorida$962/YearGeorgia$872/YearIowa$435/YearIdaho$499/YearIllinois$614/YearIndiana$590/YearKansas$482/YearKentucky$476/YearLouisiana$1,093/YearMassachusetts$669/YearMaryland$642/YearMaine$362/YearMichigan$651/YearMinnesota$423/YearMississippi$765/YearMontana$486/YearNorth Carolina$882/YearNorth Dakota$373/YearNebraska$542/YearNew Hampshire$502/YearNew Jersey$484/YearNew Mexico$408/YearNevada$620/YearNew York$656/YearOhio$573/YearOklahoma$1,071/YearOregon$633/YearPennsylvania$657/YearRhode Island$581/YearSouth Carolina$569/YearSouth Dakota$389/YearTennessee$616/YearTexas$1,007/YearUtah$668/YearVirginia$548/YearVermont$289/YearWashington$616/YearWisconsin$527/YearWest Virginia$373/YearWyoming$272/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. You might find interesting Explore related topics Average homeowners insurance cost in MissouriBest and cheapest homeowners insurance companies in MissouriCost of Living in Missouri in 2025Average renters insurance cost in MissouriBest and cheapest companies for home and auto bundles in Missouri In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2026 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance premiums? Mobile home insurance cost and coverage in 2026 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Home insurance for older homes with knob and tube wiring By Erik Martin Home replacement cost calculator By Nupur Gambhir Mobile home insurance cost and coverage in 2026 By Chris Kissell How to find a homeowners insurance policy By Shivani Gite Is carpenter ant damage covered by homeowners insurance? By Ashlee Tilford Guide to the insurance claims history report (CLUE) By Alisha Ambre On this page What insurance do condo and co-op owners need?Average cost of condo insurance in MissouriCompare condo insurance rates in Missouri by coverage levelAverage condo insurance cost from top companies in MissouriCondo insurance cost by city in MissouriBest condo insurance companies in MissouriWhat drives up condo insurance costs in Missouri?Frequently asked questionsWhat our expert saysMethodology ZIP Code Please enter valid ZIP See rates 1-833-708-6021