Average renters insurance cost in Missouri

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Renters insurance in Missouri costs an average of $249 per year, or $21 per month. That’s for a standard policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible – a solid starting point for most renters.

Your actual rate depends on how much coverage you choose, which insurance company you go with, and personal factors like your ZIP code, claims history, and in some states, credit score

How much does renters insurance cost in Missouri?

The average monthly cost of renters insurance in Missouri is $21 for a policy with $40,000 in personal property coverage and $300,000 in liability protection. Premiums can shift depending on where you live, how much coverage you need, and the total value of your belongings – which is why getting quotes from several insurers is a smart move.

Generally speaking, raising your deductible lowers your monthly premium, while adding coverage for valuables like jewelry or electronics increases it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Missouri: Where to start

Renters insurance in Missouri averages $249 per year, or $21 per month for a standard policy
If you’re looking for the lowest price, Shelter Insurance tends to offer the most competitive rates in Missouri, averaging around $221 per year
Since pricing varies widely between providers, it pays to compare a few options before making a decision

Which companies offer the cheapest renters insurance in Missouri?

The most affordable renters insurance in Missouri comes from Shelter Insurance, which averages $221 per year. State Farm and Nationwide are also competitive options for budget-conscious renters.

Keep in mind that the cheapest policy isn’t always the right one – coverage limits, deductibles, and available discounts all matter. The table below compares average annual and monthly rates from leading insurers in Missouri.

Company	Average annual rate	Average monthly rate
Shelter Insurance	$221	$18
State Farm	$222	$19
Nationwide	$294	$24
Farmers	$369	$31
Allstate	$393	$33
American Family	$423	$35
USAA*	$142	$12

*USAA is only available to military community members and their families.

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

Renters insurance calculator in Missouri

$226/year

Estimated renters insurance rates in Missouri

$19

Monthly renters insurance cost in Missouri

-16%

Compared to national average

How much does renters insurance cost by coverage level in Missouri?

The average annual renters insurance premium in Missouri is $249, based on $40,000 in personal property coverage, $300,000 in liability, and a $1,000 deductible.

Dropping your personal property coverage from $40,000 to $20,000 could bring your annual cost down to around $183. Just make sure $20,000 would actually be enough to replace what you own before making that change.

The table below shows average annual premiums in Missouri at both the $20,000 and $40,000 personal property coverage levels.

Coverage level	Average annual renters insurance rate	Average 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	$25

People also ask: How much renters insurance coverage do I need?

The right amount of coverage depends on the value of your belongings and how much financial risk you’re willing to take on. Most renters do well with $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. If you own high-value items like jewelry or electronics, you may want to add endorsements on top of your base policy.

How much does renters insurance cost by city in Missouri?

Renters insurance rates in Missouri aren’t the same across the board – where you live within the state can make a noticeable difference. Local factors like crime rates, weather exposure, and population density all influence what insurers charge.

Here’s a look at how average rates compare across major cities in Missouri.

Renters insurance rates in Missouri by city

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Kansas City

Mountain View

Does your ZIP code affect renters insurance rates in Missouri?

Your ZIP code is one of the most significant factors in how insurers price your policy. Areas with higher rates of theft, more frequent weather events, or a greater number of past claims tend to see higher premiums – even for the same level of coverage.

In Missouri, annual rates range from roughly $238 in 63501 to $282 in 63828. Below are the cheapest and most expensive ZIP codes for renters insurance in Missouri.

Why your ZIP code affects renters insurance costs

Insurers use neighborhood-level risk data when calculating your premium, which means rates can differ significantly from one ZIP code to the next.

Key factors include:

Theft and vandalism rates in your area
Exposure to weather risks like hurricanes, wildfires, or flooding
Historical fire claims and local rebuilding costs

Even shifting a few ZIP codes can change what you pay each month.

What are the most affordable ZIP codes for renters insurance in Missouri

63501 has the lowest average annual renters insurance cost at $238.

Areas with fewer theft incidents and lower weather-related claim activity tend to have more affordable premiums overall.

ZIP code	City	Average annual rate	Average monthly rate
63501	Kirksville	$238	$20
65340	Marshall	$238	$20
63556	Milan	$238	$20
64420	Allendale	$239	$20
63432	Arbela	$239	$20
64423	Barnard	$239	$20
64424	Bethany	$239	$20
64426	Blythedale	$239	$20
63533	Brashear	$239	$20
64428	Burlington Junction	$239	$20

What are the least affordable ZIP codes for renters insurance in Missouri

At the other end of the spectrum, 63828 has the highest average renters insurance cost in Missouri, at $282 per year or $23 per month.

Below are average annual rates across all ZIP codes in Missouri, based on quotes from major providers.

ZIP code	City	Average annual rate	Average monthly rate
63828	Canalou	$282	$23
63833	Catron	$282	$23
63862	Lilbourn	$282	$23
63869	New Madrid	$282	$23
63866	Marston	$281	$23
63873	Portageville	$281	$23
63874	Risco	$281	$23
63878	Tallapoosa	$281	$23
63867	Matthews	$280	$23
63845	East Prairie	$279	$23

How to lower your renters insurance, even in a high-cost ZIP code

Get quotes from at least 3 insurers – rates for identical coverage can differ by $100 or more within the same ZIP code
Bundle your renters and auto insurance to cut 5% to 15% off your premium
Ask about discounts for safety features like smoke detectors, deadbolts, security systems, or smart home devices
Raise your deductible from $500 to $1,000 – this alone can reduce your premium by around 10%
If you haven’t filed a claim in 3 or more years, ask about a claims-free discount

Is renters insurance worth it in Missouri?

For most renters in Missouri, renters insurance is well worth having. It protects your belongings against fire, theft, vandalism, and certain natural disasters, while also providing liability coverage if someone is injured in your home.

According to the US Department of Commerce, the US Census Bureau and American Community Survey – over 48% of renter households in the US spend more than 30% of their income on rent and utilities, which means even smaller ongoing expenses like insurance are worth managing carefully.

Finding the right policy comes down to shopping around. Price matters, but it’s also important to review coverage options, deductibles, and customer satisfaction. Paying slightly more for better coverage can make a real difference when you need to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance generally covers three things: your personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable after a covered event. It can help with losses from fire, theft, and vandalism, as well as legal or medical costs if a visitor is injured on your property. Coverage specifics differ by policy, so reviewing your limits and exclusions carefully is important.

Do I really need renters insurance in Missouri?

There’s no universal legal requirement for renters insurance, but the protection it offers is hard to replicate on your own. A single incident – whether it’s a break-in, a fire, or accidental damage – can result in thousands of dollars in losses. Renters insurance covers those costs so you’re not paying out of pocket. It’s also increasingly common for landlords in Missouri to require it as part of the lease agreement.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

How much is renters insurance in other states

$269/Year

$390/Year

$406/Year

$275/Year

$300/Year

$224/Year

$325/Year

$207/Year

$215/Year

$353/Year

$252/Year

$216/Year

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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.