Home Home insurance Average home insurance cost Cheapest homeowners insurance in Missouri Cheapest homeowners insurance in Missouri Written by: Les Masterson Les Masterson Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics. | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on June 3, 2022 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 TakeawaysThe 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 MissouriUSAA, 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.CompanyAverage annual premiumAverage monthly premiumUSAA$2,419$202Amco$2,519$210Allstate$2,621$218Travelers$2,942$245Garrison$3,089$257American Family$3,170$264Shelter$3,216$268Safeco$3,464$289State Farm$3,832$319Foremost$5,655$471Fire Insurance$9,311$776Compare cheap homeowners insurance in Missouri by ratingsWondering 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.CompanyJ.D. Power scoreAM Best ratingUSAA882A++State Farm835A++American Family831AAllstate829A+Safeco810ALiberty Mutual806ATravelers800A++How much is home insurance in MissouriThe 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 premiumAverage monthly premium$3,111$259Cheapest homeowners insurance in Missouri by ZIP codeLocation 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 codeAverage annual premiumAverage monthly premium63303$2,733$22863368$2,785$23263304$2,806$23463382$2,808$23463366$2,813$23463301$2,819$23563352$2,825$23563330$2,830$23663339$2,832$23663353$2,836$23663345$2,840$23763547$2,846$23763346$2,847$23763336$2,848$23763441$2,850$238 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 citySpokaneKansas CityMountain ViewHow much is home insurance in other statesAlaska$1,799/YearAlabama$2,981/YearArkansas$3,439/YearArizona$1,976/YearCalifornia$1,166/YearColorado$3,082/YearConnecticut$1,961/YearWashington D.C.$1,488/YearDelaware$1,521/YearFlorida$3,439/YearGeorgia$2,555/YearHawaii$499/YearIowa$2,540/YearIdaho$1,842/YearIllinois$2,201/YearIndiana$2,423/YearKansas$3,931/YearKentucky$2,862/YearLouisiana$3,270/YearMassachusetts$1,920/YearMaryland$1,518/YearMaine$1,833/YearMichigan$2,153/YearMinnesota$3,010/YearMississippi$3,340/YearMontana$2,809/YearNorth Carolina$2,009/YearNorth Dakota$2,601/YearNebraska$3,133/YearNew Hampshire$1,455/YearNew Jersey$1,744/YearNew Mexico$2,299/YearNevada$1,486/YearNew York$1,840/YearOhio$2,107/YearOklahoma$4,445/YearOregon$1,608/YearPennsylvania$1,720/YearRhode Island$2,125/YearSouth Carolina$2,678/YearSouth Dakota$3,172/YearTennessee$2,692/YearTexas$3,429/YearUtah$1,378/YearVirginia$1,956/YearVermont$1,212/YearWashington$1,514/YearWisconsin$1,732/YearWest Virginia$2,486/YearWyoming$2,083/YearShow moreLes MastersonContributor   . .Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. 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Most Americans don’t 1/1 Related Articles Home insurance claims – How to file and what you should know By Chris Kissell Homeowners insurance basics By Shivani Gite Guide to additional living expenses coverage By Lena Borrelli What is dwelling coverage and how much do you need? By Lena Borrelli Does homeowners insurance cover water leaks? By Nupur Gambhir Cost of living comparison by state By Chris Kissell Table of contents Cheap homeowners insurance companies in Missouri Compare cheap homeowners insurance in Missouri by ratings How much is home insurance in Missouri Cheapest homeowners insurance in Missouri by ZIP code Get instant quotes now ! Please enter valid zip Get quote