Cheapest homeowners insurance in Missouri 2022

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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
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

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

Kansas City

Mountain View

Spokane

How much is home insurance in other states

Alaska$1,799/Year

Alabama$2,981/Year

Arkansas$3,439/Year

Arizona$1,976/Year

California$1,166/Year

Colorado$3,082/Year

Connecticut$1,961/Year

Washington D.C.$1,488/Year

Delaware$1,521/Year

Florida$3,439/Year

Georgia$2,555/Year

Hawaii$499/Year

Iowa$2,540/Year

Idaho$1,842/Year

Illinois$2,201/Year

Indiana$2,423/Year

Kansas$3,931/Year

Kentucky$2,862/Year

Louisiana$3,270/Year

Massachusetts$1,920/Year

Maryland$1,518/Year

Maine$1,833/Year

Michigan$2,153/Year

Minnesota$3,010/Year

Mississippi$3,340/Year

Montana$2,809/Year

North Carolina$2,009/Year

North Dakota$2,601/Year

Nebraska$3,133/Year

New Hampshire$1,455/Year

New Jersey$1,744/Year

New Mexico$2,299/Year

Nevada$1,486/Year

New York$1,840/Year

Ohio$2,107/Year

Oklahoma$4,445/Year

Oregon$1,608/Year

Pennsylvania$1,720/Year

Rhode Island$2,125/Year

South Carolina$2,678/Year

South Dakota$3,172/Year

Tennessee$2,692/Year

Texas$3,429/Year

Utah$1,378/Year

Virginia$1,956/Year

Vermont$1,212/Year

Washington$1,514/Year

Wisconsin$1,732/Year

West Virginia$2,486/Year

Wyoming$2,083/Year

Les Masterson

Contributor

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.