The Best Home Insurance in Missouri for 2024
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The average cost of homeowners insurance in Missouri is $2,905 per year, or about $242 per month, according to a NerdWallet analysis. For comparison, the national average is $1,915 per year.
NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in Missouri in the following categories:
Best for affordability: State Farm.
Best for coverage: Openly.
Best for consumer experience: American Family and Nationwide.
The rates in our analysis are estimates based on many factors, so your rate may differ.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Best affordable homeowners insurance in Missouri: State Farm
Coverage options
Discounts
NAIC complaints
State Farm
Coverage options
Discounts
NAIC complaints
In Missouri, the average annual premium for State Farm is $2,330, which is less than the state average of $2,905.
State Farm is a great choice for homeowners who like to work directly with a representative, as the company sells policies through a wide network of agents. And its attention to customer service has paid off; the company has fewer customer complaints to state regulators than expected for a company of its size.
State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.
Learn more with our State Farm homeowners insurance review.
Note: USAA had cheaper average rates than State Farm, according to our analysis. However, USAA is only available to members of the military, veterans and their families. Read more with our USAA homeowners insurance review.
Best homeowners insurance in Missouri for coverage: Openly
Coverage options
Discounts
NAIC complaints
Openly
Coverage options
Discounts
NAIC complaints
Openly offers homeowners insurance with generous coverage. Its policies include guaranteed replacement cost coverage for the structure of your home, which means the company will pay whatever it takes to rebuild your home if it’s destroyed.
Unlike many other insurers, Openly doesn’t have dog breed restrictions that could affect your ability to get liability coverage. It may also be a good bet for homeowners with collections of jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.
Learn more with our Openly home insurance review.
Best homeowners insurance in Missouri for consumer experience: American Family and Nationwide
Coverage options
Discounts
NAIC complaints
American Family
Coverage options
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NAIC complaints
American Family receives fewer consumer complaints than expected for a company of its size. You may be able to customize your policy with optional add-ons such as identity theft, equipment breakdown or service line coverage, which pays for repairs to water, power or other underground lines that run to your house.
Homeowners may be able to save on their premiums by installing smart-home devices, bundling multiple policies or setting up automatic payments.
Get more information in our American Family homeowners insurance review.
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide offers a robust digital experience, including a website that makes it easy to manage policies, file and track claims, and set up automatic billing. It also has a highly rated app for Android and iOS that allows customers to file and track claims, review policy documents, and set up autopay.
In addition, Nationwide’s customers have several ways to get assistance, such as reaching out to their agent or calling the company’s customer service hotline. Outside of business hours, they can use the Nationwide website to get proof of insurance, pay bills and schedule callbacks. A chatbot is also available to answer basic questions.
Learn more with our Nationwide homeowners insurance review.
Full list of the best homeowners insurance in Missouri
NerdWallet analyzed home insurance companies across the state to find the best home insurance in Missouri. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
Not available | ||
Not available | ||
$3,355 | ||
Not available | ||
Not available | ||
$3,975 | ||
$2,330 | ||
$2,930 | ||
USAA* | $2,220 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
How much does homeowners insurance cost in Missouri?
The average annual cost of home insurance in Missouri is $2,905. That’s 52% more than the national average of $1,915.
In most states, including Missouri, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Missouri, those with poor credit pay an average of $6,075 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 109% more than what those with good credit pay.
Average cost of homeowners insurance in Missouri by city
How much you pay for homeowners insurance in Missouri depends on where you live. For instance, the average cost of home insurance in St. Louis is $2,745 per year, while homeowners in Kansas City pay $3,140 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Arnold | $2,620 | $218 |
Ballwin | $2,565 | $214 |
Blue Springs | $3,150 | $263 |
Cape Girardeau | $2,860 | $238 |
Chesterfield | $2,515 | $210 |
Columbia | $2,545 | $212 |
Fenton | $2,500 | $208 |
Florissant | $2,720 | $227 |
Independence | $3,150 | $263 |
Jefferson City | $2,470 | $206 |
Joplin | $3,140 | $262 |
Kansas City | $3,140 | $262 |
Lees Summit | $3,115 | $260 |
Liberty | $2,935 | $245 |
Nixa | $3,090 | $258 |
O'Fallon | $2,505 | $209 |
Ozark | $3,065 | $255 |
Poplar Bluff | $2,770 | $231 |
St. Charles | $2,670 | $223 |
St. Joseph | $3,020 | $252 |
St. Louis | $2,745 | $229 |
St. Peters | $2,725 | $227 |
Sedalia | $2,790 | $233 |
Springfield | $2,945 | $245 |
Wentzville | $2,760 | $230 |
The cheapest home insurance in Missouri
Here are the insurers we found with average annual rates below the Missouri average of $2,905.
What to know about Missouri homeowners insurance
You may face certain risks when living in Missouri. Here are a few of the most common, along with steps you can take to insure your home properly against them.
Winter weather
A standard homeowners policy will cover most damage from winter storms. However, some types of winter weather damage may require extra coverage.
For instance, if you have flood damage caused by snowmelt, you’ll typically need a separate flood insurance policy. Damage caused by negligence, such as frozen pipes if you fail to keep your heat at an adequate temperature while you’re out of town, may also not be covered.
Flooding
Standard homeowners insurance policies typically don't cover flood damage. As a result, homeowners in high-risk areas may need to purchase separate flood insurance to protect their property from flood damage.
To find out whether you’re at risk, check out the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to purchase flood insurance for extra peace of mind.
Remember that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.
Earthquakes
Standard homeowners insurance policies don't typically cover structural damage due to an earthquake. However, you may have some coverage for related damage. For instance, if a gas line dislodged by the earthquake starts a fire, that may be covered.
If you live in an area with higher risk, consider purchasing additional earthquake insurance.
Be aware that earthquake insurance often has a separate deductible, which can be around 20% of the coverage on your policy. For example, if you have a 20% deductible on $200,000 of coverage, you must pay a $40,000 deductible for earthquake damage before your insurance kicks in.
Tornadoes and high wind
A standard homeowners insurance policy often includes coverage for wind damage, but make sure to review your policy because you may have a separate wind deductible. This can be a flat rate, such as $1,000, or a percentage of your dwelling coverage. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.
Missouri insurance department
In Missouri, the Department of Insurance oversees the state’s insurance industry. Its website provides helpful resources about insurance and has information about how to file a complaint against your insurance company.
If you have questions or need assistance resolving a complaint with your insurer, call the Division of Consumer Affairs at 800-726-7390 from 8 a.m. to 5 p.m. Mondays through Fridays. You can also file a complaint online using the Consumer Complaint Form or by mail or fax.
Amanda Shapland contributed to this story.
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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