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Are you looking to get the best home insurance quotes in Missouri? We have analyzed all the major insurance companies to help you find an ideal homeowners insurance in Missouri.
Key Takeaways
- Missouri homeowners insurance costs $1,939 annually.
- Insurers offer home insurance policies in the state starting at around $1,417 annually.
- Always ensure to get extra coverage for flood and tornado damages.
Missouri homeowners insurance: What you need to know
On average, Missouri home insurance costs $1,939 annually, which is higher than the national average rate. Be aware that increasing inflation, labor shortages, and severe natural disasters have driven insurance companies to raise the rates recently.
The spring tornado season in Missouri and the severe summer storm make it essential for homeowners to protect their homes with a solid home insurance policy. So, even though the average homeowners insurance in Missouri is higher, you can still lower the rates. Keep reading our review to find the cheapest home insurance in Missouri!
What does a homeowners insurance policy cover?
Dwelling, Liability, Personal Property, Other Structures, Medical Payments to Others, and Additional Living Expenses are a home insurance policy's coverages. Also, you can buy these coverages in Missouri.
- Flood insurance: Missouri's standard home insurance policy does not cover flood damage. You can, however, buy additional coverage for extra protection. You can buy this as an endorsement to your home insurance policy or purchase it through FEMA's National Flood Insurance Program or private flood insurance companies.
- Disappearing deductible: If you do not anticipate making any claims in the future, you can choose disappearing deductible insurance if your insurer provides it. It can lower the cost of Missouri homeowners insurance deductibles every year if you don't file a claim.
- Replacement cost coverage: You can buy replacement cost coverage instead of a deducted reimbursement for items covered by your policy. You can buy coverage that will reimburse you for the full replacement cost of any lost or damaged items.
What isn’t covered by a typical homeowners insurance policy?
Home insurance doesn’t cover flooding, earthquakes, nuclear threats, insect and vermin infestations, power outages, war, wear and tear, sinkholes, or intentional loss. To ensure the coverages you get, you must check your policy before purchasing one.
The cheapest home insurance companies in Missouri
The cost of home insurance in Missouri varies depending on your chosen insurer. Safeco offers the most affordable home insurance policies in Missouri, with an average rate of $1,417 yearly. It is around $522 less than the state average rate. Always compare the quotes from every home insurance company to find the most affordable homeowners insurance in Missouri.
| Insurer | Average annual rate |
|---|---|
| Safeco | $1,417 |
| AAA | $1,712 |
| State Farm | $1,859 |
| Amco | $1,972 |
| Shelter | $2,078 |
The best homeowners insurance in Missouri for those with poor credit
Many insurance companies will consider your credit score when calculating your insurance premiums. Generally, the lesser your credit score, the higher your insurance premiums, and vice versa. With a yearly average rate of $2,409, USAA offers the most affordable rates for homeowners with poor credit.
| Insurer | Average annual rate |
|---|---|
| USAA | $2,409 |
| American Family | $3,374 |
| State Farm | $4,480 |
| Shelter | $4,982 |
| Farmers | $11,501 |
The best homeowners insurance in Missouri for pool owners
Because of the risk of accidents in and around pools, pools are considered a liability risk. So having one will increase the Missouri home insurance rates. USAA has the lowest home insurance rates for Missouri homes with a swimming pool, with an average yearly premium of $1,803.
| Insurer | Average annual rate |
|---|---|
| USAA | $1,803 |
| American Family | $2,470 |
| State Farm | $2,616 |
| Shelter | $3,693 |
| Farmers | $6,296 |
The best homeowners insurance in Missouri for dog owners
Some insurers consider some dog breeds ‘aggressive’ or ‘dangerous.’ Dog bites lead to liability claims, and these breeds are responsible for most of them. USAA offers the cheapest home insurance rates in Missouri for a home with a dangerous dog breed, with an average yearly premium of $1,803.
| Insurer | Average annual rate |
|---|---|
| USAA | $1,803 |
| American Family | $2,470 |
| State Farm | $2,616 |
| Shelter | $3,693 |
| Farmers | $6,296 |
Homeowners insurance deductibles in Missouri
When shopping for a home insurance policy, homeowners must make several decisions, including how much their deductible should be. A deductible is a sum a homeowner is responsible for before an insurer covers the damage expenses. The deductible level you select can affect how much you pay in insurance premiums. Be aware that the lower your deductible, the higher your premiums. So, if you want to keep your homeowners insurance rates low, keep your deductible as high as possible.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $2,260 |
| $1,000 | $2,068 |
| $1,500 | $1,959 |
| $2,000 | $1,870 |
| $5,000 | $1,573 |
Missouri home insurance prices by coverage levels
The level of coverage you choose has a substantial impact on your Missouri home insurance rates. Carrying $100,000 in dwelling coverage costs an average of $1,145 yearly. While carrying additional coverage up to $400,000 costs around $2,979 annually.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $1,145 |
| $200,000 | $1,718 |
| $250,000 | $2,068 |
| $400,000 | $2,979 |
Missouri homeowners insurance costs by city
The cost of home insurance in Missouri differs by city. Factors such as your ZIP Code, the number of claims filed in your neighboring area, and the area’s theft rate may determine how much you pay. The following are the rates in various cities.
| City | Average annual rate |
|---|---|
| Adrian | $1,587 |
| Advance | $1,554 |
| Affton | $1,334 |
| Agency | $1,512 |
| Airport Drive | $1,601 |
| Alba | $1,618 |
| Albany | $1,507 |
| Aldrich | $1,601 |
| Alexandria | $1,458 |
| Allendale | $1,517 |
| Alma | $1,468 |
| Altamont | $1,442 |
| Altenburg | $1,486 |
| Alton | $1,545 |
| Amazonia | $1,450 |
| Amity | $1,537 |
| Amoret | $1,615 |
| Amsterdam | $1,618 |
| Anabel | $1,351 |
| Anderson | $1,697 |
| Annada | $1,450 |
| Annapolis | $1,613 |
| Anniston | $1,532 |
| Appleton City | $1,626 |
| Arbela | $1,478 |
| Arbyrd | $1,686 |
| Arcadia | $1,566 |
| Archie | $1,529 |
| Arcola | $1,579 |
| Argyle | $1,488 |
| Armstrong | $1,395 |
| Arnold | $1,373 |
| Arrow Rock | $1,538 |
| Asbury | $1,601 |
| Ash Grove | $1,565 |
| Ashburn | $1,458 |
| Ashland | $1,374 |
| Atlanta | $1,385 |
| Augusta | $1,319 |
| Aurora | $1,618 |
| Auxvasse | $1,361 |
| Ava | $1,639 |
| Avilla | $1,606 |
| Bakersfield | $1,596 |
| Ballwin | $1,337 |
| Baring | $1,428 |
| Barnard | $1,411 |
| Barnett | $1,521 |
| Barnhart | $1,405 |
| Bates City | $1,467 |
| Battlefield | $1,535 |
| Beaufort | $1,402 |
| Bel-Nor | $1,476 |
| Bel-Ridge | $1,466 |
| Belgrade | $1,597 |
| Bell City | $1,569 |
| Bella Villa | $1,355 |
| Belle | $1,488 |
| Bellefontaine Neighbors | $1,460 |
| Bellerive | $1,480 |
| Belleview | $1,601 |
| Bellflower | $1,475 |
| Belton | $1,502 |
| Benton | $1,538 |
| Benton City | $1,360 |
| Berger | $1,506 |
| Berkeley | $1,453 |
| Bernie | $1,589 |
| Bertrand | $1,602 |
| Bethany | $1,455 |
| Bethel | $1,502 |
| Beulah | $1,549 |
| Beverly Hills | $1,490 |
| Bevier | $1,385 |
| Billings | $1,670 |
| Birch Tree | $1,496 |
| Bismarck | $1,504 |
| Bixby | $1,600 |
| Black | $1,579 |
| Black Jack | $1,363 |
| Blackburn | $1,513 |
| Blackwater | $1,440 |
| Blackwell | $1,526 |
| Blairstown | $1,472 |
| Bland | $1,472 |
| Blodgett | $1,542 |
| Bloomfield | $1,570 |
| Bloomsdale | $1,416 |
| Blue Eye | $1,642 |
| Blue Springs | $1,455 |
| Blythedale | $1,446 |
| Bogard | $1,497 |
| Bois D'Arc | $1,558 |
| Bolckow | $1,538 |
| Bolivar | $1,584 |
| Bonne Terre | $1,510 |
| Bonnots Mill | $1,494 |
| Boonville | $1,426 |
| Boss | $1,602 |
| Bosworth | $1,494 |
| Bourbon | $1,467 |
| Bowling Green | $1,459 |
| Bradleyville | $1,691 |
| Bragg City | $1,606 |
| Brandsville | $1,631 |
| Branson | $1,683 |
| Branson West | $1,641 |
| Brashear | $1,290 |
| Braymer | $1,475 |
| Brazeau | $1,438 |
| Breckenridge | $1,514 |
| Breckenridge Hills | $1,431 |
| Brentwood | $1,333 |
| Briar | $1,567 |
| Bridgeton | $1,381 |
| Brighton | $1,575 |
| Brinktown | $1,532 |
| Brixey | $1,578 |
| Bronaugh | $1,640 |
| Brookfield | $1,441 |
| Brookline | $1,544 |
| Broseley | $1,548 |
| Browning | $1,448 |
| Brownwood | $1,605 |
| Brumley | $1,500 |
| Bruner | $1,623 |
| Brunswick | $1,474 |
| Bucklin | $1,398 |
| Buckner | $1,467 |
| Bucyrus | $1,629 |
| Buffalo | $1,647 |
| Bunceton | $1,402 |
| Bunker | $1,564 |
| Burfordville | $1,489 |
| Burlington Junction | $1,511 |
| Butler | $1,614 |
| Byrnes Mill | $1,396 |
| Cabool | $1,677 |
| Cadet | $1,498 |
| Cainsville | $1,446 |
| Cairo | $1,390 |
| Caledonia | $1,605 |
| Calhoun | $1,501 |
| California | $1,492 |
| Callao | $1,384 |
| Calverton Park | $1,466 |
| Camden | $1,401 |
| Camden Point | $1,457 |
| Camdenton | $1,529 |
| Cameron | $1,427 |
| Campbell | $1,548 |
| Canalou | $1,691 |
| Canton | $1,389 |
| Cape Fair | $1,646 |
| Cape Girardeau | $1,439 |
| Caplinger Mills | $1,503 |
| Cardwell | $1,624 |
| Carl Junction | $1,596 |
| Carrollton | $1,379 |
| Carterville | $1,600 |
| Carthage | $1,595 |
| Caruthersville | $1,598 |
| Carytown | $1,596 |
| Cascade | $1,542 |
| Cassville | $1,590 |
| Castle Point | $1,490 |
| Catawissa | $1,370 |
| Catron | $1,635 |
| Caulfield | $1,614 |
| Cedar Hill | $1,409 |
| Cedar Hill Lakes | $1,407 |
| Cedarcreek | $1,661 |
| Center | $1,454 |
| Centertown | $1,425 |
| Centerview | $1,478 |
| Centerville | $1,609 |
| Centralia | $1,371 |
| Chadwick | $1,654 |
| Chaffee | $1,505 |
| Chamois | $1,499 |
| Charlack | $1,435 |
| Charleston | $1,505 |
| Cherryville | $1,581 |
| Chesterfield | $1,335 |
| Chestnutridge | $1,596 |
| Chilhowee | $1,487 |
| Chillicothe | $1,379 |
| Chula | $1,463 |
| Clarence | $1,422 |
| Clark | $1,417 |
| Clarksburg | $1,516 |
| Clarksdale | $1,468 |
| Clarkson Valley | $1,343 |
| Clarksville | $1,473 |
| Clarkton | $1,572 |
| Claycomo | $1,447 |
| Clayton | $1,429 |
| Clearmont | $1,461 |
| Cleveland | $1,511 |
| Clever | $1,632 |
| Clifton Hill | $1,391 |
| Climax Springs | $1,530 |
| Clinton | $1,542 |
| Clubb | $1,535 |
| Clyde | $1,437 |
| Coatsville | $1,452 |
| Coffey | $1,461 |
| Cole Camp | $1,534 |
| Collins | $1,584 |
| Columbia | $1,364 |
| Commerce | $1,612 |
| Conception | $1,437 |
| Conception Junction | $1,518 |
| Concord | $1,343 |
| Concordia | $1,463 |
| Conway | $1,587 |
| Cook Station | $1,479 |
| Cool Valley | $1,484 |
| Cooter | $1,668 |
| Corder | $1,473 |
| Cosby | $1,468 |
| Cottleville | $1,309 |
| Couch | $1,608 |
| Country Club | $1,542 |
| Country Club Hills | $1,492 |
| Cowgill | $1,438 |
| Craig | $1,542 |
| Crane | $1,639 |
| Creighton | $1,512 |
| Crestwood | $1,342 |
| Creve Coeur | $1,328 |
| Crocker | $1,579 |
| Cross Timbers | $1,599 |
| Crystal City | $1,542 |
| Crystal Lakes | $1,478 |
| Cuba | $1,511 |
| Curryville | $1,458 |
| Dadeville | $1,600 |
| Daisy | $1,491 |
| Dalton | $1,456 |
| Dardenne Prairie | $1,297 |
| Darlington | $1,487 |
| Davisville | $1,615 |
| Dawn | $1,482 |
| De Kalb | $1,482 |
| De Soto | $1,574 |
| De Witt | $1,477 |
| Dearborn | $1,493 |
| Deepwater | $1,592 |
| Deerfield | $1,540 |
| Deering | $1,628 |
| Defiance | $1,318 |
| Dellwood | $1,484 |
| Delta | $1,427 |
| Denver | $1,487 |
| Des Arc | $1,521 |
| Des Peres | $1,324 |
| Desloge | $1,505 |
| Devils Elbow | $1,554 |
| Dexter | $1,574 |
| Diamond | $1,685 |
| Dittmer | $1,476 |
| Dixon | $1,568 |
| Doe Run | $1,493 |
| Doniphan | $1,531 |
| Dora | $1,552 |
| Dover | $1,470 |
| Downing | $1,474 |
| Drexel | $1,520 |
| Drury | $1,637 |
| Dudley | $1,540 |
| Duenweg | $1,605 |
| Duke | $1,511 |
| Dunnegan | $1,634 |
| Duquesne | $1,591 |
| Durham | $1,326 |
| Dutchtown | $1,427 |
| Dutzow | $1,490 |
| Eagle Rock | $1,610 |
| Eagleville | $1,501 |
| Earth City | $1,362 |
| East Lynne | $1,474 |
| East Prairie | $1,582 |
| Easton | $1,465 |
| Edgar Springs | $1,498 |
| Edgerton | $1,466 |
| Edina | $1,358 |
| Edmundson | $1,445 |
| Edwards | $1,562 |
| El Dorado Springs | $1,606 |
| Eldon | $1,506 |
| Eldridge | $1,575 |
| Elk Creek | $1,656 |
| Elkland | $1,656 |
| Ellington | $1,544 |
| Ellisville | $1,339 |
| Ellsinore | $1,608 |
| Elmer | $1,366 |
| Elmo | $1,512 |
| Elsberry | $1,478 |
| Emden | $1,309 |
| Eminence | $1,657 |
| Emma | $1,459 |
| Eolia | $1,467 |
| Essex | $1,561 |
| Ethel | $1,366 |
| Eugene | $1,448 |
| Eunice | $1,620 |
| Eureka | $1,377 |
| Everton | $1,578 |
| Ewing | $1,496 |
| Excello | $1,366 |
| Excelsior Springs | $1,454 |
| Exeter | $1,649 |
| Fagus | $1,547 |
| Fair Grove | $1,560 |
| Fair Play | $1,593 |
| Fairdealing | $1,584 |
| Fairfax | $1,511 |
| Fairview | $1,663 |
| Falcon | $1,593 |
| Farber | $1,383 |
| Farley | $1,458 |
| Farmington | $1,539 |
| Farrar | $1,423 |
| Faucett | $1,512 |
| Fayette | $1,394 |
| Fenton | $1,364 |
| Ferguson | $1,478 |
| Ferrelview | $1,468 |
| Festus | $1,549 |
| Fillmore | $1,509 |
| Fisk | $1,544 |
| Flemington | $1,656 |
| Fletcher | $1,600 |
| Flinthill | $1,314 |
| Flordell Hills | $1,498 |
| Florence | $1,495 |
| Florissant | $1,361 |
| Foley | $1,477 |
| Fordland | $1,638 |
| Forest City | $1,531 |
| Foristell | $1,313 |
| Forsyth | $1,617 |
| Fort Leonard Wood | $1,517 |
| Fortuna | $1,481 |
| Foster | $1,615 |
| Frankford | $1,466 |
| Franklin | $1,366 |
| Fredericktown | $1,540 |
| Freeburg | $1,432 |
| Freeman | $1,525 |
| Freistatt | $1,582 |
| Fremont | $1,465 |
| Fremont Hills | $1,635 |
| French Village | $1,432 |
| Friedheim | $1,418 |
| Frohna | $1,414 |
| Frontenac | $1,325 |
| Fulton | $1,342 |
| Gainesville | $1,588 |
| Galena | $1,653 |
| Gallatin | $1,405 |
| Galt | $1,434 |
| Garden City | $1,523 |
| Garrison | $1,663 |
| Gatewood | $1,524 |
| Gentry | $1,498 |
| Gerald | $1,514 |
| Gibbs | $1,345 |
| Gibson | $1,621 |
| Gideon | $1,590 |
| Gilliam | $1,517 |
| Gilman City | $1,470 |
| Gipsy | $1,549 |
| Gladstone | $1,440 |
| Glasgow | $1,398 |
| Glasgow Village | $1,460 |
| Glen Echo Park | $1,485 |
| Glenallen | $1,531 |
| Glencoe | $1,352 |
| Glendale | $1,318 |
| Glenwood | $1,365 |
| Gobler | $1,588 |
| Golden | $1,631 |
| Golden City | $1,601 |
| Goodman | $1,683 |
| Gordonville | $1,410 |
| Gorin | $1,366 |
| Gower | $1,458 |
| Graff | $1,646 |
| Graham | $1,433 |
| Grain Valley | $1,463 |
| Granby | $1,700 |
| Grandin | $1,597 |
| Grandview | $1,544 |
| Granger | $1,474 |
| Grant City | $1,526 |
| Grantwood Village | $1,334 |
| Gravois Mills | $1,497 |
| Gray Summit | $1,421 |
| Grayridge | $1,532 |
| Green Castle | $1,441 |
| Green City | $1,452 |
| Green Park | $1,332 |
| Green Ridge | $1,491 |
| Greenfield | $1,605 |
| Greentop | $1,415 |
| Greenville | $1,526 |
| Greenwood | $1,469 |
| Grovespring | $1,639 |
| Grubville | $1,498 |
| Guilford | $1,500 |
| Hale | $1,479 |
| Half Way | $1,613 |
| Hallsville | $1,374 |
| Halltown | $1,563 |
| Hamilton | $1,438 |
| Hanley Hills | $1,440 |
| Hannibal | $1,374 |
| Hardenville | $1,677 |
| Hardin | $1,441 |
| Harris | $1,487 |
| Harrisburg | $1,376 |
| Harrisonville | $1,510 |
| Hartsburg | $1,365 |
| Hartshorn | $1,619 |
| Hartville | $1,551 |
| Harviell | $1,547 |
| Harwood | $1,633 |
| Hatfield | $1,488 |
| Hawk Point | $1,465 |
| Hayti | $1,584 |
| Hazelwood | $1,376 |
| Helena | $1,482 |
| Hematite | $1,526 |
| Henley | $1,398 |
| Henrietta | $1,461 |
| Herculaneum | $1,534 |
| Hermann | $1,483 |
| Hermitage | $1,652 |
| Higbee | $1,400 |
| Higginsville | $1,473 |
| High Hill | $1,474 |
| High Point | $1,498 |
| High Ridge | $1,384 |
| Highlandville | $1,645 |
| Hillsboro | $1,557 |
| Hillsdale | $1,487 |
| Holcomb | $1,565 |
| Holden | $1,480 |
| Holliday | $1,467 |
| Hollister | $1,677 |
| Holt | $1,459 |
| Holts Summit | $1,340 |
| Hopkins | $1,533 |
| Hornersville | $1,574 |
| House Springs | $1,406 |
| Houston | $1,638 |
| Houstonia | $1,499 |
| Huggins | $1,580 |
| Hughesville | $1,441 |
| Humansville | $1,653 |
| Hume | $1,615 |
| Humphreys | $1,466 |
| Hunnewell | $1,436 |
| Huntleigh | $1,322 |
| Huntsville | $1,358 |
| Hurdland | $1,331 |
| Iberia | $1,523 |
| Imperial | $1,393 |
| Independence | $1,481 |
| Innsbrook | $1,480 |
| Ionia | $1,478 |
| Iron Mountain Lake | $1,507 |
| Irondale | $1,490 |
| Ironton | $1,559 |
| Isabella | $1,606 |
| Jackson | $1,499 |
| Jacksonville | $1,401 |
| Jadwin | $1,602 |
| Jameson | $1,496 |
| Jamesport | $1,509 |
| Jamestown | $1,436 |
| Jasper | $1,610 |
| Jefferson City | $1,385 |
| Jennings | $1,495 |
| Jerico Springs | $1,650 |
| Jerome | $1,537 |
| Jonesburg | $1,467 |
| Joplin | $1,600 |
| Josephville | $1,314 |
| Kahoka | $1,468 |
| Kaiser | $1,504 |
| Kansas City | $1,634 |
| Kearney | $1,447 |
| Kennett | $1,695 |
| Kewanee | $1,567 |
| Keytesville | $1,456 |
| Kidder | $1,448 |
| Kimberling City | $1,648 |
| Kimmswick | $1,485 |
| King City | $1,424 |
| Kingdom City | $1,365 |
| Kingston | $1,505 |
| Kingsville | $1,480 |
| Kirbyville | $1,594 |
| Kirksville | $1,317 |
| Kirkwood | $1,321 |
| Kissee Mills | $1,693 |
| Knob Lick | $1,509 |
| Knob Noster | $1,423 |
| Knox City | $1,404 |
| Koeltztown | $1,515 |
| Koshkonong | $1,626 |
| La Belle | $1,480 |
| La Grange | $1,486 |
| La Monte | $1,488 |
| La Plata | $1,377 |
| La Russell | $1,593 |
| Labadie | $1,477 |
| LaBarque Creek | $1,467 |
| Laclede | $1,421 |
| Laddonia | $1,355 |
| Ladue | $1,344 |
| Lake Lotawana | $1,469 |
| Lake Ozark | $1,516 |
| Lake Spring | $1,594 |
| Lake St. Louis | $1,306 |
| Lake Tapawingo | $1,469 |
| Lake Waukomis | $1,460 |
| Lake Winnebago | $1,473 |
| Lakeshire | $1,333 |
| Lamar | $1,561 |
| Lampe | $1,646 |
| Lanagan | $1,705 |
| Lancaster | $1,480 |
| Laquey | $1,506 |
| Laredo | $1,403 |
| Latham | $1,460 |
| Lathrop | $1,475 |
| Laurie | $1,480 |
| Lawson | $1,482 |
| Lead Hill | $1,659 |
| Leadwood | $1,455 |
| Leasburg | $1,548 |
| Leawood | $1,667 |
| Lebanon | $1,576 |
| Lee's Summit | $1,474 |
| Leeton | $1,432 |
| Lemay | $1,347 |
| Lenox | $1,489 |
| Lentner | $1,449 |
| Leonard | $1,452 |
| Leopold | $1,535 |
| Leslie | $1,422 |
| Lesterville | $1,603 |
| Levasy | $1,511 |
| Lewistown | $1,396 |
| Lexington | $1,464 |
| Liberal | $1,600 |
| Liberty | $1,426 |
| Licking | $1,583 |
| Liguori | $1,402 |
| Lilbourn | $1,594 |
| Lincoln | $1,521 |
| Linn | $1,539 |
| Linn Creek | $1,530 |
| Linneus | $1,446 |
| Livonia | $1,447 |
| Loch Lloyd | $1,500 |
| Lock Springs | $1,494 |
| Lockwood | $1,598 |
| Lodi | $1,508 |
| Lohman | $1,400 |
| Lone Jack | $1,476 |
| Lonedell | $1,464 |
| Long Lane | $1,596 |
| Loose Creek | $1,482 |
| Louisburg | $1,607 |
| Louisiana | $1,465 |
| Lowndes | $1,488 |
| Lowry City | $1,557 |
| Lucerne | $1,475 |
| Ludlow | $1,469 |
| Luebbering | $1,506 |
| Luray | $1,373 |
| Lynchburg | $1,639 |
| Macks Creek | $1,519 |
| Macomb | $1,706 |
| Macon | $1,290 |
| Madison | $1,312 |
| Maitland | $1,517 |
| Malden | $1,671 |
| Malta Bend | $1,537 |
| Manchester | $1,338 |
| Mansfield | $1,683 |
| Mapaville | $1,524 |
| Maplewood | $1,390 |
| Marble Hill | $1,541 |
| Marceline | $1,389 |
| Marionville | $1,585 |
| Marlborough | $1,335 |
| Marquand | $1,570 |
| Marshall | $1,502 |
| Marshfield | $1,618 |
| Marston | $1,562 |
| Marthasville | $1,494 |
| Martinsburg | $1,365 |
| Martinsville | $1,425 |
| Maryland Heights | $1,325 |
| Maryville | $1,430 |
| Matthews | $1,609 |
| Maysville | $1,469 |
| Mayview | $1,449 |
| Maywood | $1,426 |
| McBride | $1,423 |
| McFall | $1,477 |
| McGee | $1,536 |
| McGirk | $1,493 |
| Meadville | $1,458 |
| Mehlville | $1,358 |
| Memphis | $1,475 |
| Mendon | $1,447 |
| Mercer | $1,458 |
| Merriam Woods | $1,647 |
| Meta | $1,508 |
| Mexico | $1,341 |
| Miami | $1,531 |
| Middle Brook | $1,571 |
| Middletown | $1,474 |
| Milan | $1,477 |
| Milford | $1,474 |
| Mill Spring | $1,573 |
| Miller | $1,612 |
| Millersville | $1,411 |
| Milo | $1,598 |
| Mindenmines | $1,575 |
| Miner | $1,574 |
| Mineral Point | $1,505 |
| Missouri City | $1,425 |
| Moberly | $1,401 |
| Mokane | $1,362 |
| Moline Acres | $1,493 |
| Monett | $1,635 |
| Monroe City | $1,447 |
| Montgomery City | $1,469 |
| Monticello | $1,470 |
| Montier | $1,625 |
| Montreal | $1,419 |
| Montrose | $1,597 |
| Moody | $1,587 |
| Mooresville | $1,485 |
| Mora | $1,532 |
| Morehouse | $1,546 |
| Morrison | $1,479 |
| Morrisville | $1,577 |
| Morse Mill | $1,524 |
| Mosby | $1,444 |
| Moscow Mills | $1,446 |
| Mound City | $1,541 |
| Moundville | $1,640 |
| Mount Sterling | $1,491 |
| Mount Vernon | $1,610 |
| Mountain Grove | $1,657 |
| Mountain View | $1,611 |
| Murphy | $1,382 |
| Myrtle | $1,580 |
| Napoleon | $1,477 |
| Naylor | $1,615 |
| Neck City | $1,619 |
| Neelyville | $1,585 |
| Nelson | $1,468 |
| Neosho | $1,676 |
| Nevada | $1,617 |
| New Bloomfield | $1,364 |
| New Boston | $1,442 |
| New Cambria | $1,334 |
| New Florence | $1,456 |
| New Franklin | $1,379 |
| New Hampton | $1,488 |
| New Haven | $1,499 |
| New London | $1,465 |
| New Madrid | $1,574 |
| New Melle | $1,311 |
| Newark | $1,434 |
| Newburg | $1,468 |
| Newtown | $1,466 |
| Niangua | $1,576 |
| Nixa | $1,640 |
| Noble | $1,585 |
| Noel | $1,705 |
| Norborne | $1,470 |
| Normandy | $1,488 |
| North Kansas City | $1,452 |
| Northwoods | $1,498 |
| Norwood | $1,611 |
| Norwood Court | $1,491 |
| Novelty | $1,449 |
| Novinger | $1,361 |
| O'Fallon | $1,297 |
| Oak Grove | $1,451 |
| Oak Grove Village | $1,512 |
| Oak Ridge | $1,500 |
| Oakland | $1,319 |
| Oakville | $1,363 |
| Odessa | $1,470 |
| Old Appleton | $1,427 |
| Old Jamestown | $1,365 |
| Old Monroe | $1,455 |
| Oldfield | $1,482 |
| Olean | $1,462 |
| Olivette | $1,373 |
| Olney | $1,467 |
| Oran | $1,551 |
| Oregon | $1,488 |
| Oronogo | $1,622 |
| Orrick | $1,432 |
| Osage Beach | $1,521 |
| Osborn | $1,443 |
| Osceola | $1,619 |
| Otterville | $1,442 |
| Overland | $1,431 |
| Owensville | $1,516 |
| Oxly | $1,519 |
| Ozark | $1,642 |
| Pacific | $1,359 |
| Pagedale | $1,449 |
| Palmyra | $1,400 |
| Paris | $1,454 |
| Park Hills | $1,507 |
| Parkville | $1,448 |
| Parkway | $1,488 |
| Parma | $1,548 |
| Parnell | $1,523 |
| Pasadena Park | $1,488 |
| Patterson | $1,557 |
| Patton | $1,506 |
| Pattonsburg | $1,434 |
| Peace Valley | $1,524 |
| Peculiar | $1,484 |
| Perkins | $1,488 |
| Perry | $1,409 |
| Perryville | $1,443 |
| Pevely | $1,546 |
| Philadelphia | $1,480 |
| Phillipsburg | $1,622 |
| Pickering | $1,533 |
| Piedmont | $1,559 |
| Pierce City | $1,625 |
| Pilot Grove | $1,443 |
| Pilot Knob | $1,551 |
| Pine Lawn | $1,499 |
| Pineville | $1,705 |
| Pittsburg | $1,654 |
| Plato | $1,640 |
| Platte City | $1,461 |
| Plattsburg | $1,454 |
| Pleasant Hill | $1,469 |
| Pleasant Hope | $1,569 |
| Pleasant Valley | $1,419 |
| Plevna | $1,428 |
| Pocahontas | $1,432 |
| Point Lookout | $1,648 |
| Polk | $1,582 |
| Pollock | $1,397 |
| Polo | $1,445 |
| Pomona | $1,598 |
| Ponce de Leon | $1,538 |
| Pontiac | $1,662 |
| Poplar Bluff | $1,574 |
| Portage Des Sioux | $1,347 |
| Portageville | $1,593 |
| Portland | $1,364 |
| Potosi | $1,576 |
| Pottersville | $1,563 |
| Powell | $1,647 |
| Powersite | $1,610 |
| Powersville | $1,475 |
| Prairie Home | $1,420 |
| Preston | $1,656 |
| Princeton | $1,466 |
| Protem | $1,666 |
| Purcell | $1,608 |
| Purdin | $1,442 |
| Purdy | $1,648 |
| Puxico | $1,572 |
| Queen City | $1,461 |
| Quincy | $1,582 |
| Qulin | $1,538 |
| Racine | $1,669 |
| Ravenwood | $1,400 |
| Raymondville | $1,610 |
| Raymore | $1,473 |
| Raytown | $1,511 |
| Rayville | $1,457 |
| Rea | $1,543 |
| Redford | $1,586 |
| Redings Mill | $1,668 |
| Reeds | $1,603 |
| Reeds Spring | $1,640 |
| Renick | $1,409 |
| Republic | $1,541 |
| Revere | $1,458 |
| Reynolds | $1,586 |
| Rhineland | $1,472 |
| Rich Hill | $1,616 |
| Richards | $1,587 |
| Richland | $1,585 |
| Richmond | $1,458 |
| Richmond Heights | $1,440 |
| Richwoods | $1,557 |
| Ridgedale | $1,690 |
| Ridgeway | $1,497 |
| Risco | $1,637 |
| Riverside | $1,440 |
| Riverview | $1,461 |
| Rives | $1,641 |
| Roach | $1,525 |
| Robertsville | $1,497 |
| Roby | $1,503 |
| Rocheport | $1,365 |
| Rock Hill | $1,344 |
| Rock Port | $1,467 |
| Rockaway Beach | $1,647 |
| Rockbridge | $1,644 |
| Rockville | $1,589 |
| Rocky Comfort | $1,646 |
| Rocky Mount | $1,489 |
| Rogersville | $1,568 |
| Rolla | $1,469 |
| Rombauer | $1,510 |
| Rosebud | $1,505 |
| Rosendale | $1,485 |
| Rothville | $1,460 |
| Rueter | $1,630 |
| Rush Hill | $1,358 |
| Rushville | $1,475 |
| Russellville | $1,457 |
| Rutledge | $1,472 |
| Saginaw | $1,583 |
| Salem | $1,580 |
| Salisbury | $1,426 |
| Santa Fe | $1,415 |
| Sappington | $1,346 |
| Sarcoxie | $1,628 |
| Savannah | $1,439 |
| Schell City | $1,622 |
| Scott City | $1,574 |
| Sedalia | $1,501 |
| Sedgewickville | $1,546 |
| Seligman | $1,617 |
| Senath | $1,646 |
| Seneca | $1,685 |
| Seymour | $1,646 |
| Shelbina | $1,411 |
| Shelbyville | $1,402 |
| Sheldon | $1,611 |
| Shell Knob | $1,645 |
| Sheridan | $1,519 |
| Shrewsbury | $1,353 |
| Sibley | $1,476 |
| Sikeston | $1,589 |
| Silex | $1,475 |
| Silva | $1,539 |
| Silver Creek | $1,663 |
| Skidmore | $1,520 |
| Slater | $1,529 |
| Smithton | $1,513 |
| Smithville | $1,462 |
| Solo | $1,511 |
| South Greenfield | $1,606 |
| South West City | $1,698 |
| Spanish Lake | $1,433 |
| Sparta | $1,613 |
| Spickard | $1,471 |
| Spokane | $1,662 |
| Springfield | $1,533 |
| Squires | $1,627 |
| St. Albans | $1,478 |
| St. Ann | $1,429 |
| St. Charles | $1,309 |
| St. Clair | $1,490 |
| St. Elizabeth | $1,500 |
| St. George | $1,334 |
| St. James | $1,513 |
| St. John | $1,436 |
| St. Joseph | $1,484 |
| St. Louis | $1,540 |
| St. Martins | $1,387 |
| St. Mary | $1,447 |
| St. Patrick | $1,458 |
| St. Peters | $1,308 |
| St. Robert | $1,548 |
| St. Thomas | $1,397 |
| Stanberry | $1,503 |
| Stanton | $1,509 |
| Stark City | $1,709 |
| Ste. Genevieve | $1,440 |
| Steedman | $1,358 |
| Steele | $1,733 |
| Steelville | $1,549 |
| Stella | $1,684 |
| Stet | $1,470 |
| Stewartsville | $1,471 |
| Stockton | $1,644 |
| Stotts City | $1,615 |
| Stoutland | $1,525 |
| Stoutsville | $1,396 |
| Stover | $1,514 |
| Strafford | $1,591 |
| Strasburg | $1,489 |
| Sturdivant | $1,545 |
| Sturgeon | $1,383 |
| Success | $1,570 |
| Sugar Creek | $1,498 |
| Sullivan | $1,530 |
| Summersville | $1,644 |
| Sumner | $1,448 |
| Sunrise Beach | $1,516 |
| Sunset Hills | $1,342 |
| Sweet Springs | $1,512 |
| Sycamore Hills | $1,433 |
| Syracuse | $1,426 |
| Tallapoosa | $1,625 |
| Taneyville | $1,604 |
| Taos | $1,388 |
| Tarkio | $1,468 |
| Taylor | $1,411 |
| Tebbetts | $1,363 |
| Tecumseh | $1,609 |
| Terre du Lac | $1,512 |
| Thayer | $1,570 |
| Theodosia | $1,617 |
| Thompson | $1,371 |
| Thornfield | $1,649 |
| Tiff | $1,565 |
| Tiff City | $1,682 |
| Tina | $1,490 |
| Tipton | $1,498 |
| Town and Country | $1,329 |
| Treloar | $1,489 |
| Trenton | $1,464 |
| Trimble | $1,550 |
| Triplett | $1,446 |
| Troy | $1,458 |
| Truesdale | $1,489 |
| Truxton | $1,491 |
| Tunas | $1,640 |
| Turners | $1,543 |
| Turney | $1,431 |
| Tuscumbia | $1,512 |
| Udall | $1,648 |
| Ulman | $1,486 |
| Union | $1,489 |
| Union Star | $1,411 |
| Uniontown | $1,414 |
| Unionville | $1,472 |
| University City | $1,411 |
| Urbana | $1,653 |
| Urich | $1,545 |
| Utica | $1,469 |
| Valles Mines | $1,506 |
| Valley Park | $1,335 |
| Van Buren | $1,595 |
| Vandalia | $1,364 |
| Vanduser | $1,436 |
| Vanzant | $1,674 |
| Velda City | $1,487 |
| Velda Village Hills | $1,487 |
| Verona | $1,615 |
| Versailles | $1,522 |
| Viburnum | $1,576 |
| Vichy | $1,527 |
| Vienna | $1,571 |
| Villa Ridge | $1,401 |
| Village of Four Seasons | $1,517 |
| Vinita Park | $1,433 |
| Vulcan | $1,561 |
| Waldron | $1,448 |
| Walker | $1,624 |
| Walnut Grove | $1,591 |
| Walnut Shade | $1,676 |
| Wappapello | $1,568 |
| Wardell | $1,567 |
| Warrensburg | $1,451 |
| Warrenton | $1,479 |
| Warsaw | $1,552 |
| Warson Woods | $1,320 |
| Washburn | $1,656 |
| Washington | $1,473 |
| Wasola | $1,611 |
| Watson | $1,522 |
| Waverly | $1,472 |
| Wayland | $1,430 |
| Waynesville | $1,562 |
| Weatherby | $1,400 |
| Weatherby Lake | $1,446 |
| Weaubleau | $1,587 |
| Webb City | $1,603 |
| Webster Groves | $1,351 |
| Weldon Spring | $1,302 |
| Wellington | $1,470 |
| Wellston | $1,455 |
| Wellsville | $1,468 |
| Wentworth | $1,645 |
| Wentzville | $1,313 |
| Wesco | $1,586 |
| West Alton | $1,358 |
| West Plains | $1,604 |
| Westboro | $1,514 |
| Weston | $1,466 |
| Westphalia | $1,477 |
| Westwood | $1,322 |
| Wheatland | $1,636 |
| Wheaton | $1,643 |
| Wheeling | $1,361 |
| Whiteman AFB | $1,471 |
| Whiteoak | $1,619 |
| Whiteside | $1,496 |
| Whitewater | $1,424 |
| Wildwood | $1,346 |
| Willard | $1,554 |
| Williamsburg | $1,372 |
| Williamstown | $1,377 |
| Williamsville | $1,577 |
| Willow Springs | $1,599 |
| Winchester | $1,335 |
| Windsor | $1,427 |
| Windyville | $1,599 |
| Winfield | $1,464 |
| Winigan | $1,456 |
| Winona | $1,660 |
| Winston | $1,392 |
| Wolf Island | $1,609 |
| Woodson Terrace | $1,441 |
| Wooldridge | $1,419 |
| Worth | $1,510 |
| Worthington | $1,459 |
| Wright City | $1,479 |
| Wyaconda | $1,396 |
| Wyatt | $1,560 |
| Yukon | $1,611 |
| Zalma | $1,553 |
| Zanoni | $1,626 |
Home and auto insurance bundling in Missouri
How can you buy cheap home insurance in Missouri? One way is by bundling your home andauto insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $1,939 | $1,777 | $162 | 8.35% |
Home insurance discounts in Missouri
Using the discounts provided by your insurer is another way by which you can lower the average homeowners insurance in Missouri. But ensure to check which discounts you qualify for.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| American Family | ✓ | ✓ | - | ✓ | - | ✓ |
| Lemonade | ✓ | ✓ | - | - | - | ✓ |
Comparing common features across top companies
Are you trying to buy the best home insurance in Missouri? Then ensure whether your insurer offers these features.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| American Family | ✓ | Optional | Optional | ✓ | No |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
Common causes of home insurance claims in Missouri
These are a few reasons that lead to home insurance claims in the state.
- Severe storms and flooding: Missouri residents face a bigger risk of severe storms and flooding due to its landscape. High winds often result in trees and powerlines falling, which can cause expensive damage if the twigs or power lines fall on your home.
- Tornadoes: Too many tornadoes impacted the country in 2019, with five of the deadliest ever recorded striking the state. Tornadoes significantly impact homeowners insurance premiums in the state.
- Crime: According to the Insurance Information Institute, crime typically accounts for a minor portion of annual homeowners insurance losses. Missouri has one of the biggest crime rates in the country, which can increase the risk of filing a crime-related claim.
Does homeowners insurance cover flooding in Missouri?
A home insurance policy does not cover flood damage. You should purchase flood insurance for your home from a private flood insurance company or through the National Flood Insurance Program of FEMA. The coverage offered by private flood insurers may vary; however, NFIP flood insurance offers the following coverage.
- Your home's structure - $250,000
- Personal property - $100,000
Does homeowners insurance cover snow damage in Missouri?
Snowstorms cause damage to Missouri homes during the winter. Winter weather causes damage to homes due to heavy snowfall on roofs and ice-cracking gutters. A home insurance policy normally covers snow-related damages, including collapsing trees. You won’t have coverage if it happens due to negligence, such as if snow caused roof damage after you neglected to make necessary repairs.
Factors that affect home insurance rates in Missouri
Do you want to buy the best homeowners insurance in Missouri? Then check for these factors before buying one.
- Your location: Your ZIP Code and the area's theft rate influence the cost of Missouri homeowners insurance.
- Replacement cost: The rate of Missouri homeowners insurance varies according to local labor and construction material costs.
- Age/condition : Older properties are costlier to insure than newer properties.
- Claims history: If you file claims frequently, insurers will consider you a risk. So, you can expect an increase in your insurance premiums.
- Credit history: Most insurance companies will check your credit score before providing you with a home insurance policy. If your credit score is poor, you should expect to pay more for Missouri homeowners insurance.
- Dog breed: Many insurers classify certain dog breeds as 'dangerous.' If your insurer regards your dog that way, the cost of Missouri home insurance will increase.
Tips for buying homeowners insurance
Do you wish to buy the best home insurance in Missouri? Then follow these tips!
- Assess your rebuilding costs: Talk with your insurance agent or a reputed builder to check how much it would cost to renovate your home with inexpensive building materials and local labor.
- Review the advantage of replacement cost over actual cash value: You may need to buy replacement cost insurance for your house and other belongings.
- Consider add-on coverage for your expensive items: Buy personal property coverage if you own pricey items like musical instruments, high-end electronics, athletic gear, or old antiques.
- Evaluate your liability coverage needs: Calculate your required minimum liability insurance limit.
- Assess coverage gaps:Many home insurers offer high coverage limits for landscaping elements like trees and bushes.
- Check financial ratings: Most home insurers will have ratings from organizations like AM Best and Standard & Poor's. For instance, some companies won't let you apply for a mortgage if your insurance company doesn't have a minimum 'A' financial strength rating.
- Check for discounts: Use all the discounts the insurer offers that you qualify for.
- Compare quotes from various insurance companies: The Missouri home insurance rates may differ depending on the insurer. To find the best home insurance policy in Missouri, you must compare quotes from several insurers.
How to get Missouri home insurance with Way.com
You have to use our app or website to get quotes from all insurers in the state. Then compare quotes and buy the policy with the cheapest Alaska homeowners insurance rate. But do you need additional help? Then our insurance agents in Alaska can help you. They will make you understand the state's most complex home insurance terms, laws, coverages, and discounts. So, contact one of our insurance agents if you want to buy the best homeowners insurance in Alaska.
FAQs
What is the average cost of homeowners insurance in Missouri?
The average homeowners insurance in Missouri costs around $1,939 annually.
How much is homeowners insurance in Missouri per month?
On average, it costs around $162 per month.
Is it better to pay homeowners insurance monthly or yearly?
Yearly payment will be more feasible as you save on your home insurance by making a lump sum payment.
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