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Renters insurance costs in Missouri vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Missouri is $231 per year or $19 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

  • The average cost of renters insurance in Missouri is $231 per year or $19 per month.
  • State Farm provides the least expensive renters insurance in Missouri at an average rate of $202 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 month

In Missouri, the average monthly cost of renters insurance is $19. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.

Average renters ins cost per monthDifference compared to national average
$19$3 less

Average renters insurance cost in Missouri by company

According to our data, State Farm provides the most affordable renters insurance in Missouri, with an average annual rate of $202, followed by Auto Club Enterprises (AAA) and Shelter Insurance.

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 rate
State Farm$202$17
Auto Club Enterprises (AAA)$219$18
Shelter Insurance$221$18
Nationwide$320$27
Allstate$332$28
Farmers$357$30
American Family$395$33
USAA$124$10

Renters insurance calculator in Missouri

$210/year
Estimated renters insurance rates in Missouri
$17
Monthly renters insurance cost in Missouri
-15%
Compared to national average

Average cost of renters insurance in Missouri by coverage level

On average, Missouri renters pay $231 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Missouri to $170 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are the average annual renters insurance costs in Missouri for personal property coverage 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$165$14
$20,000 with $500 Deductible and $300,000 Liability$185$15
$20,000 with $1,000 Deductible and $100,000 Liability$150$13
$20,000 with $1,000 Deductible and $300,000 Liability$170$14
$40,000 with $500 Deductible and $100,000 Liability$232$19
$40,000 with $500 Deductible and $300,000 Liability$254$21
$40,000 with $1,000 Deductible and $100,000 Liability$210$17
$40,000 with $1,000 Deductible and $300,000 Liability$231$19
$60,000 with $500 Deductible and $100,000 Liability$290$24
$60,000 with $500 Deductible and $300,000 Liability$313$26
$60,000 with $1,000 Deductible and $100,000 Liability$262$22
$60,000 with $1,000 Deductible and $300,000 Liability$285$24

Average cost of renters insurance in Missouri by city

Renters 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 vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below.

Renters insurance rates in Missouri by city

Average cost of renters insurance in Missouri by ZIP code

In 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 Missouri

In Missouri, your ZIP code plays a major role in determining your premiums. Based on our data, 63501 is the most affordable ZIP code for renters insurance, with an average annual cost of $222.

Comparing quotes from multiple insurers in Missouri is a smart way to find the best renters insurance rates for your ZIP code.

ZIP codeCityAverage annual rateAverage monthly rate
63501Kirksville$222$18
63556Milan$222$18
63432Arbela$222$19
63442Granger$222$19
63543Gorin$222$19
63555Memphis$222$19
63563Rutledge$222$19
64645Harris$222$19
64646Humphreys$222$19
64667Newtown$222$19

Least affordable ZIP codes for renters insurance in Missouri

63869 is the most expensive ZIP code for renters insurance in Missouri, at an average cost of $255 annually or $21 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Missouri. The table below shows the average annual renters insurance rates by ZIP code.

ZIP codeCityAverage annual rateAverage monthly rate
63869New Madrid$255$21
63862Lilbourn$255$21
63833Catron$255$21
63828Canalou$255$21
63134Berkeley$254$21
63135Calverton Park$254$21
63878Tallapoosa$254$21
63874Risco$254$21
63866Marston$254$21
63867Matthews$253$21

Final thoughts: Average renters insurance in Missouri

Renters 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.

How much is renters insurance in other states

Alaska$257/Year
Alabama$324/Year
Arkansas$363/Year
Arizona$260/Year
California$271/Year
Colorado$191/Year
Connecticut$292/Year
Delaware$181/Year
Florida$248/Year
Georgia$352/Year
Hawaii$247/Year
Iowa$203/Year
Idaho$184/Year
Illinois$246/Year
Indiana$269/Year
Kansas$251/Year
Kentucky$207/Year
Louisiana$504/Year
Massachusetts$262/Year
Maryland$256/Year
Maine$198/Year
Michigan$340/Year
Minnesota$211/Year
Mississippi$387/Year
Montana$275/Year
North Dakota$192/Year
Nebraska$295/Year
New Hampshire$173/Year
New Jersey$207/Year
New Mexico$201/Year
Nevada$246/Year
New York$293/Year
Ohio$252/Year
Oklahoma$281/Year
Oregon$288/Year
Pennsylvania$274/Year
Rhode Island$476/Year
South Dakota$202/Year
Tennessee$290/Year
Texas$226/Year
Utah$204/Year
Virginia$235/Year
Vermont$182/Year
Washington$222/Year
Wisconsin$167/Year
West Virginia$248/Year
Wyoming$136/Year
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Shivani Gite
Contributing Writer

 
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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.

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