Looking for cheap renters insurance in Missouri? Consider getting quotes from Garrison, USAA and Allstate. In our analysis these companies offer the cheapest rates of all the carriers surveyed. But it’s smart to get multiple quotes for Missouri renters insurance because the prices vary a lot among carriers. Below is the list of cheapest renters insurance companies in Missouri:
- Garrison
- USAA
- Shelter
- Allstate
- State Farm
Cheapest renters insurance companies in Missouri
According to Insure.com’s analysis, Garrison offers the cheapest renters insurance in Missouri at about $208 a year or $17 per month. USAA is in second place with an average annual rate of $227. However, the cost of your premium may vary depending on factors specific to you.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Garrison | $208 | $17 |
| USAA | $227 | $19 |
| Shelter | $233 | $19 |
| Allstate | $254 | $21 |
| State Farm | $288 | $24 |
| Travelers | $306 | $25 |
| Amco | $310 | $26 |
| American Family | $330 | $28 |
| Safeco | $337 | $28 |
| Farmers | $507 | $42 |
| Fire Ins Exch | $507 | $42 |
| Liberty | $1,155 | $96 |
Average cost of renters insurance in Missouri by coverage level
The average cost of renters insurance in Missouri is $279 per year or $23 per month. These rates are for coverage level of $20,000 for personal property, $300,000 for liability protection and $1000 as deductible.
Whereas, renters insurance costs $386 annually for coverage limit of $40,000 as personal property, $300,000 for liability and $1000 deductible.
| Coverage level | Avg. annual renters insurance rate | Avg. monthly renters insurance rate |
|---|---|---|
| $20,000 | $279 | $23 |
| $40,000 | $386 | $32 |
| $60,000 | $484 | $40 |
Most affordable ZIP codes for renters insurance in Missouri
64453 is the most affordable zip code for renters insurance in Missouri. Our insurance experts have analyzed price quotes from all the major carriers in Missouri and put together a list of the most affordable zip codes with cheapest renters insurance.
| ZIP code | Average annual rate | Average monthly rate |
|---|---|---|
| 64453 | $348 | $29 |
| 64402 | $349 | $29 |
| 65023 | $350 | $29 |
| 64437 | $351 | $29 |
| 63439 | $352 | $29 |
| 63345 | $353 | $29 |
| 63430 | $354 | $30 |
| 63350 | $355 | $30 |
| 63361 | $356 | $30 |
| 63333 | $357 | $30 |
Least affordable ZIP codes for renters insurance in Missouri
Of all the zip codes analyzed by Insure.com, 63147 is the least affordable zip code for renters insurance in Missouri. Its average annual rate for Missouri renters is $429 a year or $36 per month. The insurance rates in a city can vary depending on many factors, such as crime rate and weather. A population with a low crime rate will have much lower premiums in comparison to other areas.
| ZIP code | Average annual rate | Average monthly rate |
|---|---|---|
| 63147 | $429 | $36 |
| 63107 | $428 | $36 |
| 63113 | $427 | $36 |
| 63101 | $426 | $36 |
| 63111 | $425 | $35 |
| 63112 | $424 | $35 |
| 63110 | $416 | $35 |
| 63139 | $414 | $34 |
| 63109 | $412 | $34 |
| 64106 | $408 | $34 |
Renters and auto bundle discounts in Missouri
Bundling with your auto insurance is a great way to save money on renters coverage. If you purchase your auto and renters insurance policies from the same company you can save an average of $96 per year in Missouri.
Below is a list of companies that offer cheap rates upon bundling and you can also find how much you will have to pay if you don’t bundle your policies.
| Company | Average annual rate | Average base annual rate (without bundling) | $ bundle average savings | % bundle average savings |
|---|---|---|---|---|
| Standard Fire | $1,317 | $1,385 | $69 | 5% |
| State Farm | $1,333 | $1,399 | $66 | 5% |
| Nationwide | $1,341 | $1,397 | $56 | 4% |
| Progressive | $1,507 | $1,574 | $67 | 4% |
| Owners | $1,632 | $1,718 | $86 | 5% |
| American Family | $1,675 | $1,779 | $104 | 6% |
| Farmers | $1,979 | $2,128 | $149 | 7% |
| Allstate | $2,037 | $2,187 | $150 | 7% |
| Geico | $2,309 | $2,376 | $68 | 3% |
| Automobile Club Interins Exch | $2,511 | $2,656 | $145 | 5% |
