You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance. Saving money on homeowners insurance in Missouri can be challenging if you don’t know the facts.
USAA has the lowest average homeowners insurance rates in Missouri, with an average premium of $2,419 a year or $202 a month.
The good news is that Insure.com has simplified matters by carefully researching carriers and prices to find cheap homeowners insurance in Missouri. We’ve ranked the most affordable homeowners insurance providers in Missouri to help you in this process. Read further for our recommendations and for additional strategies designed to help you pay less for premiums.
Key Takeaways
- The cheapest homeowners insurance for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible in Missouri is offered by USAA at $2,419 per year.
- The homeowners insurance in Missouri is $806 more than the national average.
- The zipcode 63303 offers the cheapest homeowners insurance in Missouri at $2,733 per year.
Cheap homeowners insurance companies in Missouri
USAA, Amco and Allstate have the cheapest homeowners insurance in Missouri, on average.
There’s a large rate difference between home insurance companies. Missouri homeowners could save more by shopping around and comparing insurance quotes.
Here are average annual and monthly Missouri home insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| USAA | $2,419 | $202 |
| Amco | $2,519 | $210 |
| Allstate | $2,621 | $218 |
| Travelers | $2,942 | $245 |
| Garrison | $3,089 | $257 |
| American Family | $3,170 | $264 |
| Shelter | $3,216 | $268 |
| Liberty Mutual | $3,363 | $280 |
| Safeco | $3,464 | $289 |
| State Farm | $3,832 | $319 |
| Foremost | $5,655 | $471 |
| Fire Insurance | $9,311 | $776 |
Compare cheap homeowners insurance in Missouri by ratings
Wondering how to choose the best insurance company among the options available? We have analyzed the cheapest homeowners insurance companies in Missouri based on J.D. Power score and AM best rating. According to Insure.com’s survey, USAA received the highest J.D. power score of 882 and A++ rating from AM best.
| Company | J.D. Power score | AM Best rating |
|---|---|---|
| USAA | 882 | A++ |
| State Farm | 835 | A++ |
| American Family | 831 | A |
| Allstate | 829 | A+ |
| Safeco | 810 | A |
| Liberty Mutual | 806 | A |
| Travelers | 800 | A++ |
How much is home insurance in Missouri
The average cost of homeowners insurance in Missouri is $3,111 annually for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.
One primary driver of home insurance cost is claims history. Here are the top average home insurance percentage premium increases based on claims:
- Filing a second fire claim — 60%
- Filing a second theft claim — 55%
- Filing a second liability claim — 52%
- Filing a second water damage claim — 50%
- Filing a second medical claim — 34%
| Average annual premium | Average monthly premium |
|---|---|
| $3,111 | $259 |
Cheapest homeowners insurance in Missouri by ZIP code
Location is a crucial part of your home insurance rate. Areas with more claims pay higher rates than ones that don’t have many. Here are the average home insurance rates by ZIP codes in Missouri:
| ZIP code | Average annual premium | Average monthly premium |
|---|---|---|
| 63303 | $2,733 | $228 |
| 63368 | $2,785 | $232 |
| 63304 | $2,806 | $234 |
| 63382 | $2,808 | $234 |
| 63366 | $2,813 | $234 |
| 63301 | $2,819 | $235 |
| 63352 | $2,825 | $235 |
| 63330 | $2,830 | $236 |
| 63339 | $2,832 | $236 |
| 63353 | $2,836 | $236 |
| 63345 | $2,840 | $237 |
| 63547 | $2,846 | $237 |
| 63346 | $2,847 | $237 |
| 63336 | $2,848 | $237 |
| 63441 | $2,850 | $238 |
