Best and Cheapest Home Insurance in Missouri

Best and Cheapest Home Insurance in Missouri

Allstate offers the cheapest home insurance in Missouri. A policy costs $896 per year, or $75 per month.

Compare Home Insurance Quotes in Missouri

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The best home insurance policy is one that strikes the right balance of affordability, reliability and coverage. To help homeowners in Missouri find the right provider, we gathered hundreds of quotes from across the state and evaluated eight major companies based on their records of meeting customer needs.

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Cheapest options for homeowners insurance in Missouri

Allstate has the cheapest average price for homeowners insurance in Missouri overall, with an annual rate of just $896 per year.

We collected thousands of home insurance quotes across Missouri to find which insurance company offers the lowest price in the state.

The average cost of homeowners insurance in Missouri is $1,492 per year. That's $3 per year less than the national average.

Graph showing home insurance rates in Missouri by company

Compare Home Insurance Quotes from Providers in Missouri

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Missouri homeowners should consider comparing quotes from Nationwide as well. A policy from the company only costs $6 per month more than one from Allstate, the cheapest insurer.

Company
Annual rate
Monthly rate
Allstate logo
Allstate$896$75
Nationwide logo
Nationwide$969$81
State Farm logo
State Farm$1,359$113
USAA logo
USAA$1,468$122
Travelers logo
Travelers$1,510$126
American Family logo
American Family$1,768$147
Shelter logo
Shelter$1,789$149
Farmers logo
Farmers$2,180$182

Best homeowners insurance companies in Missouri

We performed an in-depth review of the top homeowners insurance companies in Missouri, analyzing their prices, coverage options, customer service and more to find the best home insurance company for Missouri homeowners with a variety of different needs.

Best for most people: Allstate

Allstate offers the lowest prices we found for home insurance in Missouri.
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We recommend Allstate for Missouri homeowners focused on finding the best home insurance rates. Allstate offers a very low average cost of $896 per year in Missouri. That's 40% less expensive than the statewide average.

Allstate also offers a good home and auto insurance bundle to its customers. The company claims customers can save up to 25% by bundling their policies.

However, Allstate's customer service isn't as good as other Missouri insurers. It has a 3.07 Complaint Index from the National Association of Insurance Commissioners (NAIC), meaning that it receives three times more complaints than average based on its size.


Best-rated insurer: Shelter Insurance

Shelter offers great customer service alongside a wide range of coverage options.
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Missouri homeowners looking for great customer service should get a quote from Shelter. The company receives only 25% as many complaints as would be expected for an insurer of its size, according to the NAIC. Shelter also provides a surprising variety of coverages for a smaller insurance company, such as debris removal, inflation protection and dock protection.

Shelter's home insurance rates are some of the highest in Missouri, and the company's online tools are somewhat limited. At $1,789 per year, a policy costs $297 more per year than the statewide average. However, it's important to have an insurance company you can count on if you have to file a claim, so the additional cost may be worthwhile for homeowners who value peace of mind.


Best for military families: USAA

USAA has excellent customer service and military-specific coverage options, but it's exclusively available to service members and their families.
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USAA is the best homeowners insurer for members of the military and their families in Missouri. It has affordable rates and great customer service, alongside a few special coverage options that should be particularly appealing to people in the military. For example, USAA covers your personal property even if you're in a war zone, which most insurers don't cover — an important consideration for soldiers on active duty.

The average rate from USAA is $1,468 per year, or $24 per year cheaper than the typical price in Missouri. The biggest drawback to USAA is its eligibility requirements. In order to buy insurance from USAA, you have to have served in the military, or you must be the immediate family member (spouse or dependent) of someone who has had USAA insurance.


Missouri homeowners insurance rates by city

The cheapest cities for home insurance in Missouri are Brashear and Macon, while the most expensive insurance can typically be found in Steele.

The average cost of homeowners insurance varies by as much as $443 per year depending on where in Missouri you live.

City
Average annual rate
Difference from state average (%)
Adrian$1,5756%
Advance$1,5423%
Affton$1,322-11%
Agency$1,5001%
Airport Drive$1,5896%
Show All Rows

Compare Rates

Best-reviewed homeowners insurance companies in Missouri

Shelter and USAA both offer the best customer service for Missouri homeowners.

We rated homeowners insurance companies based on their NAIC Complaint Index scores, J.D. Power's annual customer satisfaction study and our own ValuePenguin editor's ratings.

Company
Rating
Shelter
USAA
American Family
State Farm
Nationwide
Travelers
Allstate
Farmers

Most common home insurance perils in Missouri

Like other states in the Midwest, Missouri's most common regional insurance perils relate to seasonal storms: thunderstorms and tornadoes in the summer, and snowstorms in the winter. Damage from some of these weather events is covered by standard home insurance policies, but coverage for some types of damage requires a separate policy or endorsement.

Is wind damage from tornadoes covered by home insurance?

Tornadoes are a common occurrence in Missouri — it had 50 tornadoes in 2021, according to the National Weather Service. Wind damage from tornadoes and other storms is usually covered by home insurance. Wind is one of the home insurance perils that almost all policies cover, and you're protected whether it tears shingles off your roof, breaks windows or knocks a tree onto your house.

You can also protect yourself against wind damage by taking a few simple steps:

  • Trim trees that hang over or are near your house or garage.
  • Ensure your roof shingles are secure.
  • Secure lawn furniture before a storm.
  • Install storm shutters on windows.
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Is snow damage covered by home insurance?

During the winter, one of the more frequent sources of damage to Missouri homes is snowstorms. The most common ways winter weather damages homes are heavy snowfall on roofs and ice cracking gutters.

Snow damage is typically covered by homeowners insurance. This also includes collapsing trees. The only exception is if the damage is due to negligence on your part: for example, if snow causes roof damage after you've neglected to make necessary repairs.

Is flood damage covered by home insurance?

Flooding isn't as common in Missouri as it is in coastal states, but damage may still be a concern for homeowners who live near major rivers, like the Mississippi or Missouri.

Damage from flooding is usually not covered by homeowners insurance. You can protect against the cost of flood damage by purchasing a separate flood insurance policy.

There are two types of flood insurance: policies sold through the National Flood Insurance Program (NFIP), which is backed by the federal government, and policies sold by private insurers. Both are usually sold through private companies.

The most important differences are that you can't be rejected for an NFIP flood policy due to high risk, but a private policy may offer more flexibility when it comes to coverage limits and rates. Private flood insurance policies also generally have a shorter waiting period than the 30 days you're required to wait for NFIP flood insurance.

Frequently asked questions

How much is homeowners insurance in Missouri?

Home insurance in Missouri costs $1,492 per year, on average. However, average rates can fluctuate by up to $443 per year based on the city in which you live.

How much does home insurance cost in St. Louis, MO?

Homeowners in St. Louis can expect to pay $1,528 per year for insurance, which is 2% above the statewide average. In comparison, those living in Kansas City pay $1,622 per year.

How much is flood insurance in Missouri?

According to the NFIP, the average cost of flood insurance in Missouri is $1,215 per year. The typical policy includes $222,000 of coverage.

Methodology

We collected thousands of home insurance from eight of the top insurance companies in Missouri, across every ZIP code in the state. Our sample home was built in 1976, with $157,200 of dwelling coverage.

The insurance companies we surveyed are:

  • Allstate
  • American Family
  • Farmers
  • Nationwide
  • Shelter
  • State Farm
  • Travelers
  • USAA

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

We determined customer service ratings by analyzing data from the National Association of Insurance Commissioners (NAIC) Complaint Index, J.D. Power's 2021 home insurance customer satisfaction survey and our own ValuePenguin editor's ratings.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.