Finding renters insurance shouldn't be stressful. Compare rates from Missouri by city and carrier below.
Renters insurance isn't required, but it is important. A renters policy keeps your personal items protected. A renters policy defends belongings in the event of fire, smoke damage, a wind storm, vandalism or theft, and a number of other common mishaps.
There are surprisingly large differences in the price of renters insurance by state. Renters insurance rates by state may differ based on the value of — and frequency of — renters insurance claims in that state, and also on the value of the belongings insured on the policy.Getting a renters policy in Missouri is more expensive than the national average. The average annual cost of renters insurance in Missouri is $189, $5 more expensive than the average rate across all US states.
The best way to find affordable renters insurance in Missouri is to get quotes from as many companies as possible. Learn more about average renters insurance rates in Missouri via the below data. Remember: your rates will vary, depending on the value of your belongings and your coverage limits.
Renters insurance rates in Missouri vary based on the insurer you use. Safeco offers the best deal on renters policies in Missouri — $130 per year. This compares favorably to the state average rate of $189, providing a 32% price break on rates typical to the state.
Start shopping for cheap renters insurance by reviewing the cheapest Missouri carriers, listed below.
| Company | Average Annual Rate in Missouri |
| Safeco | $129.62 |
| Shelter | $132.06 |
| State Farm | $138.23 |
| Travelers | $156.90 |
| AAA | $160.48 |
Renters insurance rates in Missouri differ by city. Policy pricing depends on city-specific variables like the number of local claims filed, meaning your specific ZIP code impact how much you pay.
The cheapest renters insurance rates in Missouri are available in Jefferson City. The average renters insurance policy in Jefferson City runs only $177 annually — $115 less than the state average. Reference the below table to see the cheapest cities in Missouri for renters insurance.
| City | Average 12-Month Renters Insurance Rate |
| Jefferson City | $176.68 |
| Columbia | $177.70 |
| Cape Girardeau | $180.15 |
| Springfield | $183.94 |
| Liberty | $186.17 |
If you want to save on insurance, consider purchasing both your renters and auto insurance policies from one company. A renters and car insurance bundle in Missouri can save you a substantial sum each month on your auto insurance bill. Bundling policies in Missouri results in a yearly discount of $72.
| Avg. 12-Month Auto Insurance Rate (No Bundle) | Avg. Annual Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,409.60 | $1,337.91 | $71.68 | 5% |
You can save money on insurance by bundling your renters and auto policies. Compare rates today!