Homeowners Insurance in Missouri

Finding homeowners insurance shouldn't be stressful. Compare rates from Missouri by city and carrier below.

Find affordable homeowners insurance in Missouri


Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. A home insurance policy protects your dwelling, attached buildings, and personal property in the event of a variety of misfortunes, such as wind damage, fire, theft, vandalism, and more.

Major discrepancies exist in homeowners insurance rates on a state-by-state basis. Home insurance policy rates in a given state diverge depending on the frequency and value of homeowners policy claims filed across the state, and also on the value of the belongings and dwelling you're insuring.

The easiest way to find a cheap homeowners insurance policy in Missouri is to view prices from as many companies as possible. Learn more about homeowners insurance costs in Missouri by reviewing the below data. Remember: your home insurance rates will vary, depending on your coverage limits.


Missouri homeowners insurance:
  1. Rates by company
  2. Homeowners rates by city
  3. Insurance bundling discounts

Home insurance rates in Missouri by carrier

Rates for homeowners insurance in Missouri vary based on the insurance company you use. Safeco offers the most affordable home insurance in Missouri — $1,405 per year. This compares favorably to the state mean cost of $2,377, providing a $972 discount on the typical rates in the state.

Begin the hunt for a home insurance policy by reviewing the cheapest Missouri carriers, listed below.


HOME INSURANCE RATES IN MISSOURI: BY CARRIER
CompanyAverage Annual Rate in Missouri
Safeco$1,404.94
AAA$1,700.21
State Farm$1,846.91
Amco$1,960.31
Shelter$2,065.51

Missouri homeowners insurance by city

Homeowners insurance rates in Missouri differ by city. Pricing depends on local variables such as the likelihood of weather-related claims in the area, giving your ZIP code weight in deciding how much you pay.

The cheapest home insurance in Missouri is found in Ballwin. An average homeowners insurance policy in Ballwin costs just $2,012 annually — $365 less than the average Missouri rate. The below cities have the most affordable home insurance in Missouri.


AFFORDABLE CITIES FOR HOME INSURANCE IN MISSOURI
CityAverage Annual Home Insurance Rate
Ballwin$2,012.31
Wildwood$2,029.00
Chesterfield$2,056.11
Jefferson City$2,059.49
Florissant$2,071.79

Save by bundling home and auto insurance in Missouri

If you want to save on insurance, consider purchasing your homeowners and car insurance policies from the same company. Bundling homeowners and auto insurance in Missouri can save you a substantial sum each month on your auto insurance policy. Purchasing bundled policies in Missouri may generate average annual savings of $150.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN MISSOURI
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,372.00$1,222.00$150.0012%

Bundling home and auto policies is a great way to save. Start shopping today!


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