Best Homeowners Insurance in Missouri

We analyzed data from more than 150 insurance companies to help you find cheap home insurance rates in Missouri.

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How to find cheap homeowners insurance in Missouri

 

Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. A homeowners insurance policy covers your dwelling, attached buildings, and personal property in the event of a number of calamities, including wind damage, fire, theft, vandalism, and others.

Unlike car insurance, homeowners insurance isn't priced based on state-level laws. That said, serious differences emerge in home insurance rates from state to state. Home insurance policy rates by state may differ depending on the frequency and value of home insurance claims filed in that state, and depend on the value of the belongings and property you're covering.

The easiest way to acquire cheap home insurance in Missouri is to view prices from multiple companies. Learn average home insurance rates in Missouri via the below data. Remember: your rates may differ, depending on your coverage limits.

 

Home insurance in Missouri:
  1. By insurance company
  2. Rates by city
  3. Rates by coverage amount
  4. Rates by deductible level
  5. Bundling discounts
  6. FAQs

 

Home insurance rates in Missouri by insurer

Prices for home insurance in Missouri differ based on the insurance company you select. Safeco provides the most affordable home insurance policies in Missouri — only $1,405 each year. This compares favorably to the state mean rate of $2,377, offering a $972 price break on rates typical to the state.

Begin the hunt for cheap homeowners insurance by reviewing the cheapest Missouri carriers, listed below.

 

HOMEOWNERS INSURANCE RATES IN MISSOURI: BY CARRIER
CompanyAverage Annual Rate in Missouri
Safeco$1,405
AAA$1,700
State Farm$1,847
Amco$1,960
Shelter$2,066

 

Missouri homeowners insurance by city

Home insurance rates in Missouri vary depending on the city. Policies are often priced on local variables such as the number of claims filed in the immediate area, giving your ZIP code weight in deciding how much you pay.

The cheapest homeowners insurance in Missouri is available in Ballwin. In Ballwin, the typical home insurance policy costs $2,012 each year — $365 less than the average homeowners policy in other Missouri cities. The below cities have the most affordable home insurance in Missouri.

 

AFFORDABLE CITIES FOR HOME INSURANCE IN MISSOURI
CityAverage Annual Home Insurance Rate
Ballwin$2,012
Wildwood$2,029
Chesterfield$2,056
Jefferson City$2,059
Florissant$2,072

 

Average home insurance prices in Missouri by coverage levels

How much you pay for home insurance coverage is greatly affected by the level of coverage you choose. In Missouri, carrying $100K dwelling coverage costs an average of $1,133 per year, while carrying additional coverage up to $400K costs $2,967/year.

 

HOMEOWNERS INSURANCE RATES IN MISSOURI — COMMON COVERAGE AMOUNTS
Coverage LevelAverage Annual Cost
$100,000 Dwelling$1,133
$200,000 Dwelling$1,706
$250,000 Dwelling$2,056
$400,000 Dwelling$2,967

 

Home insurance deductibles in Missouri

Homeowners have a lot of decisions to make when shopping for a home insurance policy, including how much their deductible should be. A deductible is the amount for which a homeowner is responsible before an insurance company steps in to cover costs. The deductible level you choose can impact how much you pay in insurance premiums.

When thinking about your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. Therefore, if you need your home insurance rates to be lower, you’ll want to keep your deductible higher. Remember: your homeowners deductible should not be so high that you would struggle to pay it in the event of a loss.

The following table illustrates the average premiums associated with deductibles offered by most home insurers.

 

HOMEOWNERS INSURANCE PREMIUMS BY DEDUCTIBLE TIER IN MISSOURI
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$2,248
$1,000$2,056
$1,500$1,947
$2,000$1,858
$5,000$1,561

 

Homeowners and auto insurance bundles in Missouri

If you're trying to save on insurance, consider purchasing both your homeowners and auto insurance policies from one company. Bundling auto and home insurance in Missouri can save you a substantial sum each month on your auto insurance policy. In fact, bundling policies in Missouri leads to a yearly discount of $150.

 

HOME AND AUTO INSURANCE BUNDLING SAVINGS IN MISSOURI

Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,372$1,222$15012%

 

One of the best ways to save on auto insurance is to bundle your policies. Find a policy today!

 

Seeking insights on home insurance in a particular city? Check out our breakdown of significant Missouri cities:

  1. Kansas City
  2. St. Louis

 

Missouri home insurance FAQs

 

Does GEICO insure homes in Missouri?

Yes - if you own a home in Missouri, GEICO's homeowners insurance is an option for coverage.

Which insurance companies in Missouri offer seasonal home insurance?

There are several insurance companies that offer seasonal home insurance for your vacation home in Missouri, like Foremost and Farmers.

Compare homeowners rates today!

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.

About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because: