Best Missouri Homeowners Insurance Quotes (2025)
Allstate offers the cheapest homeowners insurance in Missouri, at an average monthly rate of $157.
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In Missouri, the average cost of home insurance is $2,796 per year for a $300,000 policy — higher than the national average cost of $2,532 per year.
But just because the state’s average insurance rate is high doesn’t mean Missourians are stuck paying high premiums. Allstate, Armed Forces Insurance Exchange, American Family, and State Farm are four of the cheapest home insurers in the state.
This high premium cost may be related to the myriad of perils homes face in the Show Me State. Not only does Missouri experience extreme winter weather, but some areas may also see tornadoes, flooding, and even earthquakes. Standard homeowners insurance doesn’t cover all these perils, so it’s important for Missouri homeowners to determine if they need additional coverage to protect themselves.
Here’s what you need to know about comparing quotes and finding coverage in Missouri.
Quick Facts
Missouri has about 12,800 active-duty service members and 24,000 National Guard and Reserve members who can find cheap rates from Armed Forces Insurance Exchange or USAA.[?]
The Missouri Department of Insurance offers a number of resources and tools to help Missourians navigate their insurance needs.
As of May 2024, the average home value in Missouri is $248,331, compared to the national average home value of $360,681.[?][?]
Best home insurance companies in Missouri
A number of good homeowners insurance companies serve Missouri residents. Below are four of the best home insurance companies in Missouri — but remember that the best home insurance company for you will depend on your specific situation and coverage needs.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Average Annual Premium | Best For |
|---|---|---|---|
| Armed Forces Insurance Exchange | N/A | $1,046 | Cheapest rates |
| American Family | 8.6 | $1,513 | Online quotes |
| Allstate | 8.2 | $1,930 | Policy customization |
| State Farm | 8.2 | $2,117 | Bundling |
Cheapest rates: Armed Forces Insurance Exchange
Armed Forces Insurance Exchange — an insurer that serves veterans, active-duty members of the military, and their families — offers the cheapest home insurance rates in the Show Me State. In addition to very low rates, this insurer also provides a number of important optional coverages, including earthquake, flood, water backup and sump overflow, and animal liability coverage.
Policyholders may also be eligible for discounts and credits for installing central station burglar and fire alarms, implementing windstorm mitigation features, and living in a gated or guarded community.
Pros
A number of available online resources and tools geared toward military members’ needs
Renters, auto, business, and pet insurance available
Cons
Only available to military members and their families
No mobile app
Best insurer for getting a quote online: American Family
Best insurer for policy customization: Allstate
Best insurer for bundling: State Farm
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Cheapest home insurance in Missouri
Allstate offers the lowest price home insurance in Missouri. A policy from this insurance company costs around $157 per month.
But remember that the best home insurance company for you will meet your specific needs. If the cheapest home insurance company in Missouri isn’t right for you, consider the following insurers that also have affordable prices:
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Data reviewed by Andrew Huang)
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Chartered financial analyst
12+ years in data analysis and marketing
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Insurance Company | Average Monthly Premium |
|---|---|
| Allstate | $157 |
| Travelers | $161 |
| USAA | $165 |
| American Family | $200 |
| Nationwide | $203 |
| Foremost | $232 |
| State Farm | $245 |
| Encompass | $289 |
| Allied | $293 |
| Farmers | $593 |
Cost of homeowners insurance in Missouri
The average home insurance rate in Missouri is more expensive than the national average. A Missouri homeowner with a $300,000 home and a $1,000 deductible pays an average of $3,005 per year. But across the U.S., the average cost of home insurance is only $2,532 per year.
Though the coverage limits and deductibles you choose can make a big difference in how much you pay for insurance, Missouri homeowners might pay more than other Americans for a number of reasons. Insurance companies set insurance premiums based on factors like whether you live in an urban or rural area, the age of your home, your credit history, the coverage options you choose, and what weather risks are most likely to cause property damage where you live.
Cost of homeowners insurance by dwelling coverage amount
A standard homeowners insurance policy includes dwelling coverage, which pays to repair or replace any damage to the physical structure of your home. It’s generally a good idea to have enough dwelling coverage to cover the replacement cost of rebuilding your home, but remember that different levels of dwelling coverage have different premium amounts. The higher your dwelling coverage limit, the more you’ll pay for your premiums.
The average cost of homeowners insurance in Missouri with a $1,000 deductible will change depending on the dwelling coverage options, as shown in the table below.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Featured in
Insurance Company | Average Monthly Premium |
|---|---|
| Travelers | $125 |
| Allstate | $131 |
| USAA | $139 |
| Nationwide | $153 |
| Foremost | $169 |
| American Family | $170 |
| State Farm | $206 |
| Allied | $240 |
| Encompass | $243 |
| Farmers | $400 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Featured in
Insurance Company | Average Monthly Premium |
|---|---|
| Allstate | $169 |
| Travelers | $173 |
| USAA | $177 |
| American Family | $215 |
| Nationwide | $218 |
| Foremost | $249 |
| State Farm | $263 |
| Encompass | $311 |
| Allied | $315 |
| Farmers | $637 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Featured in
Insurance Company | Average Monthly Premium |
|---|---|
| Allstate | $200 |
| USAA | $250 |
| Travelers | $282 |
| American Family | $297 |
| Nationwide | $322 |
| State Farm | $354 |
| Encompass | $399 |
| Allied | $464 |
| Foremost | $482 |
| Farmers | $1,100 |
Cost of homeowners insurance by deductible
If you have to file a claim on your homeowners policy, you’ll likely have to pay a certain amount of money before your coverage kicks in. This money is called the deductible, and it directly affects your premiums. A higher deductible comes with lower rates since you’ll have to pay more to fix damage to your home after a covered loss, while a lower deductible means paying higher premiums.
Here are the average annual premium costs in Missouri based on deductible amount.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $3,305 |
| $1,000 | $3,005 |
How to get cheap homeowners insurance in Missouri
Savvy homeowners can lower their homeowners insurance costs without sacrificing necessary coverage by using one or more of these strategies:
Shop around. Insurance companies don’t all use the same factors to determine your premiums. Getting quotes from multiple home insurance companies is the best option for finding the best coverage level at the lowest rate.
Bundle multiple insurance products. Many insurers offer discounts to consumers who purchase multiple types of insurance from the same company. Lower your insurance rates for everything from auto and home insurance to life insurance and personal liability coverage if you get all your policies from the same insurer.
Increase your deductible. A higher deductible will lower your premium rates but cost you more if you have to make a claim. Just be sure you have enough money to cover the deductible if something happens to your house.
How much homeowners insurance do you need in Missouri?
Unlike the requirement to carry minimum levels of auto insurance, Missouri doesn’t mandate homeowners insurance. But if you have a mortgage on your home, your mortgage lender will require you to purchase a home insurance policy as a condition of your loan.
Make sure you know exactly what your home insurance policy covers since not all perils are considered a covered loss. For example, standard homeowners insurance policies almost never include coverage for flood damage. Homeowners living in areas prone to flooding must purchase separate flood insurance coverage to protect themselves.
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What are some of the biggest risks when owning a home in Missouri?
How much you pay for homeowners insurance can vary greatly depending on your ZIP code since severe weather patterns, local climate, theft and property crime statistics, and proximity to fire stations can all affect the types of risk your home is exposed to.
As a landlocked state, Missouri doesn’t face the same natural disasters coastal homeowners might experience, but residents should be aware of these common risks in the Show Me State:
Missouri homeowners insurance FAQs
Finding the right homeowners insurance can be a difficult decision. Check out these answers below if you still have questions.
How much is home insurance in Missouri?
In Missouri, the average cost of home insurance is $2,796 per year for a $300,000 policy. Your rate will depend on many factors, including your ZIP code, age of your home, square footage of your home, and the coverage levels you choose.
What companies have the cheapest homeowners insurance in Missouri?
Allstate offers the cheapest homeowners insurance in Missouri, at an average monthly rate of $157.
Does Missouri require homeowners insurance?
No. Missouri law doesn’t require homeowners insurance, but your mortgage lender may require you to have it. Even if you’ve paid off your mortgage, it’s still important to protect your home and property.
In the event of a tornado or severe weather damage, home insurance can help cover the cost of repairs or replacement that you otherwise may not be able to afford out of pocket.
Does AAA offer home insurance in Missouri?
Yes. Missouri is one of the only states in which AAA offers homeowners insurance. Contact a AAA agent to learn more about the company’s offerings.
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