Home Renters insurance Renters insurance cost Average renters insurance cost in Missouri Average renters insurance cost in Missouri Discover the average cost of renters insurance in Missouri and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: February 10, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Missouri, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $249 annually or $21 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.Key TakeawaysThe average cost of renters insurance in Missouri is $249 per year or $21 per month.Shelter Insurance provides the least expensive renters insurance in Missouri at an average rate of $221 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Missouri. Average renters insurance cost in Missouri per monthIn Missouri, the average cost of renters insurance is $21 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$21$3 lessPowered by:Average renters insurance cost in Missouri by companyAccording to our data, Shelter Insurance provides the most affordable renters insurance in Missouri, with an average annual rate of $221, followed by State Farm and Nationwide.Getting quotes from multiple renters insurance companies in Missouri is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Missouri.CompanyAverage annual rateAverage monthly rateShelter Insurance$221$18State Farm$222$19Nationwide$294$24Farmers$369$31Allstate$393$33American Family$423$35USAA*$142$12*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Missouri Select your state Missouri Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $226/year Estimated renters insurance rates in Missouri $19 Monthly renters insurance cost in Missouri -16% Compared to national average Get quotes Average cost of renters insurance in Missouri by coverage levelAs we discussed above, the average cost of renters insurance in Missouri is $249 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $183 per year for renters insurance in Missouri, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in Missouri for personal property coverage amounts of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$177$15$20,000 with $500 Deductible and $300,000 Liability$198$17$20,000 with $1,000 Deductible and $100,000 Liability$162$14$20,000 with $1,000 Deductible and $300,000 Liability$183$15$40,000 with $500 Deductible and $100,000 Liability$247$21$40,000 with $500 Deductible and $300,000 Liability$270$23$40,000 with $1,000 Deductible and $100,000 Liability$226$19$40,000 with $1,000 Deductible and $300,000 Liability$249$21$60,000 with $500 Deductible and $100,000 Liability$305$25$60,000 with $500 Deductible and $300,000 Liability$331$28$60,000 with $1,000 Deductible and $100,000 Liability$280$23$60,000 with $1,000 Deductible and $300,000 Liability$306$25Powered by:Average cost of renters insurance in Missouri by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Missouri.Renters insurance rates in Missouri by citySee rates in your cityKansas CityMountain ViewAverage cost of renters insurance in Missouri by ZIP codeIn Missouri, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in MissouriThe amount Missouri renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 63501 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $238.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Missouri.ZIP codeCityAverage annual rateAverage monthly rate63501Kirksville$238$2065340Marshall$238$2063556Milan$238$2064420Allendale$239$2063432Arbela$239$2064423Barnard$239$2064424Bethany$239$2064426Blythedale$239$2063533Brashear$239$2064428Burlington Junction$239$20Powered by:Least affordable ZIP codes for renters insurance in MissouriAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Missouri is 63828, with an average cost of $282 a year or $23 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Missouri. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate63828Canalou$282$2363833Catron$282$2363862Lilbourn$282$2363869New Madrid$282$2363866Marston$281$2363873Portageville$281$2363874Risco$281$2363878Tallapoosa$281$2363867Matthews$280$2363845East Prairie$279$23Powered by:Final thoughts: Average renters insurance in MissouriRenters insurance is a must-have for renters in Missouri. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.How much is renters insurance in other statesAlaska$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearColorado$224/YearConnecticut$325/YearDelaware$207/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIowa$216/YearIdaho$190/YearIllinois$294/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMaine$211/YearMichigan$471/YearMinnesota$218/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNebraska$314/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNevada$263/YearNew York$328/YearOhio$255/YearOklahoma$299/YearOregon$295/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearVermont$181/YearWashington$249/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in MissouriBest and cheapest homeowners insurance companies in MissouriCost of Living in Missouri in 2025How much does condo insurance cost in Missouri in 2025? 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Most Americans don’t 1/1 Related Articles $400K home insurance cost calculator By Zack Sigel Cost of living by state By Chris Kissell Cost of living calculator By Nupur Gambhir How much do claims increase home insurance premiums? By Les Masterson How to file a successful mold claim By Chris Kissell Home and auto insurance bundle: Best companies and rates By Chris Kissell On this page Average renters insurance cost in Missouri per monthAverage renters insurance cost in Missouri by companyAverage cost of renters insurance in Missouri by coverage levelAverage cost of renters insurance in Missouri by cityAverage cost of renters insurance in Missouri by ZIP codeFinal thoughts: Average renters insurance in Missouri ZIP Code Please enter valid ZIP See rates (844) 761-9316