Finding homeowners insurance shouldn't be stressful. Compare rates from Missouri by city and carrier below.
Get Free QuotesHomeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A homeowners policy protects your dwelling and property from a number of calamities, including fire, theft, vandalism, or wind damage.
Unlike car insurance, homeowners policies aren’t priced based on state laws. Even so, there are major differences in home insurance rates from state to state. Insurance policy costs in a given state differ based on the number and cost homeowners claims filed in the state, and also on the value of the belongings and home insured on the policy.
The easiest way to get a cheap home insurance policy in Missouri is to view prices from multiple insurance companies. Learn home insurance rates in Missouri by reviewing the below data. Individual rates may vary depending on coverage options.
Rates for homeowners insurance in Missouri can vary depending on which insurer you select. Safeco underwrites the most affordable home insurance policies in Missouri — just $1,405 yearly. This compares favorably to the state average cost of $2,377, offering a $972 discount on the state's average rate.
Begin your search for cheap homeowners insurance by checking out the cheapest Missouri carriers, detailed below.
| Insurance Company | Average 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 |
Not all Missouri cities have the same homeowners insurance rates. Policy pricing depends on city-specific variables, such as the number of claims filed nearby, meaning your specific ZIP code impact how much you pay.
The most affordable homeowners insurance in Missouri is found in Ballwin. A typical home insurance term in Ballwin totals just $2,012 per year — $365 less than the average policy in other Missouri cities. The below cities have the most affordable home insurance in Missouri.
| City | Average Yearly Home Insurance Rate |
| Ballwin | $2,012.31 |
| Wildwood | $2,029.00 |
| Chesterfield | $2,056.11 |
| Jefferson City | $2,059.49 |
| Florissant | $2,071.79 |
If you're trying to save on insurance, consider purchasing both your homeowners and auto insurance policies from one company. Bundling homeowners and auto insurance in Missouri can lead to substantial savings on car insurance. Purchasing bundled policies in Missouri leads to yearly savings of $150.
| Avg. 12-Month Auto Insurance Rate (No Bundle) | Avg. 12-Month Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,372.00 | $1,222.00 | $150.00 | 12% |
A great way to save is to bundle your auto and homeowners insurance policies. Find a policy today!
Seeking information on homeowners insurance in a specific city? Check out our analysis of large Missouri cities:
Yes - if you own a home in Missouri, GEICO's homeowners insurance is an option for coverage.
There are several insurance companies that offer seasonal home insurance for your vacation home in Missouri, like Foremost and Farmers.
