Average homeowners insurance cost in Missouri

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Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.

On average, Missouri homeowners insurance costs $3,528 a year, based on Insure.com’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in Missouri.

Key Takeaways

Homeowners insurance costs an average of $3,528 a year, based on Insure.com analysis.
Of all the ZIP codes in Missouri, 63368 has the most affordable home insurance rates at around $2,835 annually.
In Missouri, Auto Club Enterprises (AAA) provides the most affordable home insurance at an average annual premium of $1,997.

Average home insurance cost in Missouri by coverage level

Homeowners insurance costs $3,528 a year in Missouri for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.

If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Missouri will increase to $4,354 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Missouri for dwelling coverage limits of $300,000, $400,000, and $500,000.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,625	$219
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,638	$220
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,528	$294
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,543	$295
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$4,354	$363
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$4,370	$364
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$6,406	$534
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$6,425	$535
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$10,209	$851
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$10,231	$853

Homeowners insurance companies in Missouri determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.

If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs.

According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.

Best homeowners insurance companies in Missouri

It’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.

We have compared the insurers in Missouri using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Missouri. Based on the analysis, Shelter Insurance received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Shelter Insurance	$3,292	A	0.42	5
American Family	$3,344	A	0.37	4.71
State Farm	$2,477	A++	0.95	4.02
Auto Club Enterprises (AAA)	$1,997	A+	1.05	3.9
Allstate	$3,718	A+	0.9	3.67
Farmers	$6,323	A	0.54	3.49
Nationwide	$4,571	A+	0.87	3.47

Average homeowners insurance cost by company in Missouri

Auto Club Enterprises (AAA) provides the most affordable homeowners insurance in Missouri, with an average annual premium of $1,997. State Farm and Shelter Insurance also offer cheap home insurance rates.

Shopping around for homeowners insurance can help you save hundreds of dollars annually.

Here are the average annual and monthly insurance rates for homeowners in Missouri with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Auto Club Enterprises (AAA)	$1,997	$166
State Farm	$2,477	$206
Shelter Insurance	$3,292	$274
American Family	$3,344	$279
Allstate	$3,718	$310
Nationwide	$4,571	$381
Farmers	$6,492	$541
USAA*	$2,617	$218

*USAA is only available to military community members and their families.

Missouri homeowners insurance rates by ZIP code

In Missouri, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.

Shop around and compare quotes from different insurance companies to find the best home insurance rates in Missouri. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.

Most affordable ZIP codes for home insurance rates in Missouri

Not every area in Missouri has the same home insurance cost. How much you pay for homeowners insurance in Missouri depends on many factors, including your ZIP code. Our data shows that 63368 ZIP has low-cost home insurance rates in Missouri, at about $2,835 a year or $236 monthly.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Missouri.

ZIP code	Average annual rate	Average monthly rate
63368	$2,835	$236
63144	$2,851	$238
63303	$2,853	$238
63026	$2,860	$238
63366	$2,865	$239
63125	$2,868	$239
63123	$2,874	$240
63128	$2,882	$240
63385	$2,884	$240
63011	$2,886	$241

Most expensive ZIP codes for home insurance rates in Missouri

In Missouri, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.

Homeowners in 64125 ZIP pay the highest insurance rates in Missouri, with an average annual premium of $4,571.

Below is a list of some of the most expensive ZIP codes in Missouri for homeowners insurance.

ZIP code	Average annual rate	Average monthly rate
64125	$4,571	$381
64124	$4,558	$380
64123	$4,541	$378
64108	$4,521	$377
64110	$4,508	$376
64106	$4,483	$374
64129	$4,480	$373
64128	$4,468	$372
64127	$4,434	$370
64126	$4,430	$369

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Missouri by city

See rates in your city

Kansas City

Mountain View

Home insurance rate trend in Missouri

We analyzed home insurance rate trends in Missouri and found that homeowners insurance rates experienced an overall increase of 6% or $193, from 2022 to 2023.

The below data shows how much homeowners insurance rates have changed since 2019.

2019 rates	2022 rates	2023 rates
$2,916	$3,335	$3,528

To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Missouri.

Resources & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$100,000 liability protection
$1000 deductible

We have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Shivani Gite

Contributing 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.