Average homeowners insurance cost in Missouri

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Homeowners in Missouri pay an average of $3,528 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. Auto Club Enterprises (AAA) offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Our data puts the average homeowners insurance cost in Missouri at $3,528 per year.
Of all ZIP codes analyzed in Missouri, 63368 has the lowest average home insurance rates at around $2,835 annually.
On the insurer side, Auto Club Enterprises (AAA) offers the most affordable average premiums in Missouri, coming in at $1,997 per year.

What is the average cost of homeowners insurance in Missouri?

The average homeowners insurance premium in Missouri is $3,528 per year. That figure is based on 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 $3,528 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 $4,354 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 $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

Average home insurance cost in Missouri by insurer

The most affordable homeowners insurance in Missouri comes from Auto Club Enterprises (AAA), which averages $1,997 per year. State Farm and Shelter Insurance 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
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.

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 shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in Missouri.

Most affordable ZIP codes for home insurance in Missouri

63368 has the lowest average home insurance rates in Missouri, with homeowners paying around $2,835 per year.

Home insurance rates aren’t uniform across Missouri. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

Below are average 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 in Missouri

At the other end of the spectrum, 64125 has the highest average rates in Missouri at $4,571 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
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

What are the best homeowners insurance companies in Missouri?

Based on our data, Shelter Insurance stands out as the top choice in Missouri. It earns an AM Best rating of A and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in Missouri by annual premium, financial rating, and complaint history.

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

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 is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources & methodology

Source

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

Methodology

Insure.com worked with Quadrant Information Services 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.

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.