The Best Home Insurance in Missouri for 2023

We analyzed the cheapest rates and top companies for Missouri homeowners insurance.
Sarah Schlichter
Kayda Norman
By Kayda Norman and  Sarah Schlichter 
Published
Edited by Caitlin Constantine

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The average cost of homeowners insurance in Missouri is $2,735 per year, or about $228 per month, according to a NerdWallet analysis. That’s more than the national average of $1,820 per year.

We’ve analyzed rates and companies across the state to find the best homeowners insurance in Missouri. Our sample rates are for a homeowner with good credit and $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. Your rates will be different.

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.

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Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.

We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

The best homeowners insurance in Missouri

If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

$1,790

5.0

NerdWallet rating 

$4,525

4.5

NerdWallet rating 

$2,615

4.5

NerdWallet rating 

$3,280

5.0

NerdWallet rating 

$1,990

*USAA homeowners policies are available only to active-duty military members, veterans and their families.

More about the best home insurance companies in Missouri

See more details about each company to help you decide which one is best for you.

insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.

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.


insurance-product-card-logo

Farmers

5.0

NerdWallet rating 
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

Farmers

5.0

NerdWallet rating 
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings.

Some Farmers policies also come with perks that can save you money. For example, with claim forgiveness, Farmers won’t raise your rate for a claim as long as you haven’t filed one within the past five years.


insurance-product-card-logo

American Family

4.5

NerdWallet rating 
Comprehensive coverage for homeowners in 19 states, mostly in the West and Midwest.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

American Family

4.5

NerdWallet rating 
Comprehensive coverage for homeowners in 19 states, mostly in the West and Midwest.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Founded in Madison, Wisconsin, 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.


insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Close to expected
insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Close to expected

We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.

Missouri homeowners can get a discount for using Notion smart devices to monitor their home for potential water leaks, fires and break-ins. When you buy the devices through Nationwide, you can get nearly 50% off the purchase price.


insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Offers perks and affordable rates for the military community.

Coverage options

Below average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Offers perks and affordable rates for the military community.

Coverage options

Below average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

USAA sells homeowners insurance to veterans, active-duty military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy new replacements for your stuff.


How much does homeowners insurance cost in Missouri?

The average annual cost of home insurance in Missouri is $2,735. That’s 50% more than the national average of $1,820.

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 $5,510 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s more than double the average of those with good credit.

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 $2,615 per year, while homeowners in Kansas City pay $3,135 per year, on average.

City

Average annual rate

Average monthly rate

Arnold

$2,245

$187

Ballwin

$2,250

$188

Blue Springs

$2,775

$231

Cape Girardeau

$2,595

$216

Chesterfield

$2,255

$188

Columbia

$2,415

$201

Fenton

$2,200

$183

Florissant

$2,305

$192

Independence

$2,915

$243

Jefferson City

$2,340

$195

Joplin

$2,955

$246

Kansas City

$3,135

$261

Lee's Summit

$2,750

$229

Liberty

$2,905

$242

Nixa

$2,885

$240

O'Fallon

$2,170

$181

Ozark

$2,885

$240

Poplar Bluff

$2,685

$224

Sedalia

$2,755

$230

Springfield

$2,785

$232

St. Charles

$2,235

$186

St. Joseph

$2,780

$232

St. Louis

$2,615

$218

St. Peters

$2,270

$189

Wentzville

$2,235

$186

The cheapest home insurance in Missouri

Here are the insurers we found with average annual rates below the Missouri average of $2,735.

Company

NerdWallet star rating

Average annual rate

Auto Club of SoCal (AAA)

3.5

NerdWallet rating 

$1,415

5.0

NerdWallet rating 

$1,790

Shelter

4.0

NerdWallet rating 

$2,035

4.5

NerdWallet rating 

$2,615

5.0

NerdWallet rating 

$1,990

*USAA homeowners policies are available only to active-duty military members, veterans and their families.

What to know about Missouri homeowners insurance

Whether you’re a first-time home buyer or looking to renew your homeowners insurance policy in Missouri, here are a few risks you will want to consider.

Winter weather

Missouri can see severe winter weather, which brings the risk of significant damage, like collapsed roofs from the weight of ice or snow or burst pipes from freezing temperatures. A standard homeowners policy will cover most damage from winter storms.

However, you should carefully review the coverage in your policy because some types of winter weather damage may require extra coverage. 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

Missouri is susceptible to flooding, which is considered its deadliest severe weather hazard. In addition to the risk to life, flooding can cause significant property damage. Standard homeowners insurance policies typically don't cover flood damage. As a result, homeowners in flood-prone areas may need to purchase separate flood insurance to protect their property from water 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

Although Missouri isn't known for frequent earthquakes, it lies near the New Madrid Seismic Zone, which has seen significant seismic activity in the past, as well as ongoing smaller seismic events. Standard homeowners insurance policies don't typically cover structural damage due to an earthquake. However, you may have some coverage for related damage. For example, if a gas line dislodged by the earthquake starts a fire, that may be covered. Review your policy carefully, and if you live in an area with higher risk, consider purchasing additional earthquake insurance.

When purchasing earthquake insurance, pay attention to the deductibles so you know the potential out-of-pocket costs. Your 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

Missouri is no stranger to tornadoes and storms with high winds. These can cause significant damage to properties, such as roof damage, broken windows or structural issues.

A standard homeowners insurance policy often includes 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.

Wildfires

While less common than some of the other perils mentioned, wildfire can still be a hazard for Missouri homeowners. Homeowners insurance typically covers damage from fires, but it's important to review your policy to ensure you have enough coverage in case of wildfires.

Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. A significant fire can destroy your home, so talk with your insurer to ensure you have enough coverage to rebuild if necessary.

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.

Looking for more insurance in Missouri?

Amanda Shapland contributed to this story.

Frequently asked questions

Homeowners insurance is not required by Missouri state law. However, your lender may require you to purchase home insurance. For more information, read Is Homeowners Insurance Required?

Standard Missouri homeowners insurance does not cover damage from earthquakes unless you have bought additional coverage. Read more about earthquake insurance.

There are several ways to save money on homeowners insurance in Missouri:

Methodology

NerdWallet averaged 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 2019-2021. 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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