Average homeowners insurance cost in Missouri

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Home insurance in Missouri costs an average of $3,940 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. Allstate offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Our data puts the average homeowners insurance cost in Missouri at $3,940 per year.
Of all ZIP codes analyzed in Missouri, 63005 has the lowest average home insurance rates at around $3,087 annually.
On the insurer side, Allstate offers the most affordable average premiums in Missouri, coming in at $2,822 per year.

What is the average cost of homeowners insurance in Missouri?

The average homeowners insurance premium in Missouri is $3,940 annually for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Missouri? Cost by coverage level

The typical homeowners insurance policy in Missouri runs $3,940 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $4,792 in Missouri.

The table below shows average homeowners insurance costs in Missouri for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,025	$252
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,059	$255
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,940	$328
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,979	$332
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$4,792	$399
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$4,836	$403
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$6,449	$537
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$6,505	$542
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$9,400	$783
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$9,480	$790

Average home insurance cost in Missouri by insurer

The most affordable homeowners insurance in Missouri comes from Allstate, which averages $2,822 per year. Nationwide and State Farm are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Missouri homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Allstate	$2,822	$235
Nationwide	$3,175	$265
State Farm	$3,559	$297
Shelter Insurance	$4,039	$337
Farmers	$4,138	$345
American Family	$5,861	$488

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Missouri.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in Missouri?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Missouri

Most affordable ZIP codes for home insurance in Missouri

The lowest rates in Missouri are found in 63005, where homeowners pay an average of $3,087 per year.

Where you live in Missouri has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Missouri.

ZIP code	Average annual rate	Average monthly rate
63005	$3,087	$257
63124	$3,100	$258
63044	$3,147	$262
63042	$3,150	$262
63131	$3,166	$264
63119	$3,189	$266
63084	$3,273	$273
63080	$3,290	$274
63077	$3,295	$275
63552	$3,299	$275

Most expensive ZIP codes for home insurance in Missouri

At the other end of the spectrum, 64437 has the highest average rates in Missouri at $5,102 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Missouri.

ZIP code	Average annual rate	Average monthly rate
64437	$5,102	$425
64496	$4,966	$414
64451	$4,947	$412
64446	$4,942	$412
64466	$4,920	$410
64449	$4,871	$406
64779	$4,842	$404
64861	$4,818	$401
64804	$4,803	$400
64473	$4,785	$399

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

How has home insurance pricing shifted in Missouri?

From 2023 to 2025, home insurance rates in Missouri increase by 20%, mirroring the broader direction of the state’s insurance market over that period.

Here’s how rates have moved year over year since 2022:

2022 rates	2023 rates	2025 rates
$3,085	$3,285	$3,940

What are the best homeowners insurance companies in Missouri?

Based on our data, Allstate stands out as a top choice in Missouri. It earns an AM Best rating of A+ and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in Missouri by average annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Allstate	$2,822	A+	1.26	4.51
State Farm	$3,559	A+	1.15	4.41
Nationwide	$3,175	A	1.34	4.36
Shelter Insurance	$4,039	A	0.39	4.29
Farmers	$4,138	A	0.89	4.25
American Family	$5,861	A	1.07	4.01

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.