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: January 16, 2025 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. Renters insurance costs in Missouri vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Missouri pay $231 per year or $19 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. 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 monthThe average cost of renters insurance in Missouri is $19 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$19$3 lessAverage renters insurance cost in Missouri by companyState Farm offers the most affordable renters insurance in Missouri at an average annual rate of $202, followed by Auto Club Enterprises (AAA) and Shelter Insurance, based on our data.However, you should get multiple quotes from various renters insurance companies in Missouri because the prices vary greatly among carriers.Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Missouri.CompanyAverage annual rateAverage monthly rateState Farm$202$17Auto Club Enterprises (AAA)$219$18Shelter Insurance$221$18Nationwide$320$27Allstate$332$28Farmers$357$30American Family$395$33USAA$124$10 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 $210/year Estimated renters insurance rates in Missouri $17 Monthly renters insurance cost in Missouri -15% Compared to national average Get quotes Average cost of renters insurance in Missouri by coverage levelOn 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$24Average cost of renters insurance in Missouri by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Missouri and find the best fit for your budget.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 cityKansas CityMountain ViewSpokaneAverage cost of renters insurance in Missouri by ZIP codeRenters insurance costs in Missouri vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.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 $222.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$222$1863556Milan$222$1863432Arbela$222$1963442Granger$222$1963543Gorin$222$1963555Memphis$222$1963563Rutledge$222$1964645Harris$222$1964646Humphreys$222$1964667Newtown$222$19Least 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 63869, with an average cost of $255 a year or $21 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 rate63869New Madrid$255$2163862Lilbourn$255$2163833Catron$255$2163828Canalou$255$2163134Berkeley$254$2163135Calverton Park$254$2163878Tallapoosa$254$2163874Risco$254$2163866Marston$254$2163867Matthews$253$21Final 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Missouri Average homeowners insurance cost in Missouri Average car insurance cost in Missouri Non-owner auto insurance in Missouri 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. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Mobile home insurance cost and coverage in 2025 By Chris Kissell Best renters insurance companies in 2025 By Shivani Gite How to prevent tornado damage By Ashlee Tilford Does homeowners insurance cover code upgrades? By Nupur Gambhir Homeowners insurance rates by state in 2025 By Jake Safane The 10 costliest wildfires By Zack Sigel 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