Who Has The Cheapest Renters Insurance Quotes in Missouri?

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Many of the roughly 6 million residents are renters and live in or nearby one of the major metropolitan areas in the state, such as St. Louis, Kansas City or Springfield. To see who has the cheapest and most expensive renters insurance rates, we evaluated quotes for a sample property (a rental property with roughly 1,000 square feet of living space and $100,000 in liability coverage). The results showed the most expensive renters insurance rates were 22% higher than the cheapest. Since we used one sample property, the rates have comparative value, but are not indicative of what all tenants can expect to pay for their renters insurance.

Cheapest Renters Insurance in Missouri

In our study, we examined five companies who provide renters insurance in Missouri. We collected quotes from these companies for a 1,000 square-foot residence and found that for our sample renters policy, State Farm had the most affordable renters insurance in the state. It had an annual rate of $225, which is about 37% lower than the average rate. Here are the five major companies, ranked from cheapest to most expensive:

RankCheapest Renters Insurance CompanyAverage Annual Rates
1 State Farm $225
2 Allstate 313
3 Nationwide 374
4 Farmers 403
5 Liberty Mutual 475
Average 358

These rates were for a sample property. To find the best rates for yourself, we recommend you look up quotes from various insurance companies and compare.

Best Renters Insurance Rates in Missouri: by City

The five places with the best renters insurance in Missouri are all located in the southern half of the state. Four of the top five are smaller cities located outside of major metropolitan areas and one (Ellsville) is located adjacent to a major metropolis. The place with the cheapest renters insurane rates is Boonville where premiums are 4.62% lower than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Boonville $376 -4.62%
2 Fredericktown 376 -4.58%
3 Houston 376 -4.56%
4 Ellisville 376 -4.54%
5 Sedalia 378 -4.12%
*The Average Annual Rate is rounded to the nearest whole dollar amount.

Boonville, MO

The place with the best renters insurance rates in Missouri is Boonville. The city was the site of a battle early in American Civil War in 1861, when Union forces defeated an ill-equipped Missouri State Guard force. Today, the city has more than 8,300 residents and more than 400 buildings listed with the National Register of Historic Places. Boonville also is known for Warm Springs Ranch just west of the city, which is the primary breeding farm for the Anheuser-Busch Budweiser Clydesdale horses. Renters insurance premiums in Boonville are 4.62% lower than the state average. 

Fredericktown, MO

Fredericktown, Missouri was founded in 1719 by French settlers hoping to find silver. Instead, they found lead, the metal that resulted in the growth of the city as a mining town. It's located just outside of the St. Francois Mountains, surrounded on three sides by the Mark Twain National Forest. Fredericktown ranks with the second cheapest renters insurance rates in Missouri, with premiums 4.58% lower than the state average.

Houston, MO

Coming in third on our list of the most affordable renters insurance rates in MO is Houston. Houston is a city of about 2,000 residents and has remained that size for more than 50 years. In Texas County, where the city of Houston is located, is the Texas County Technical Institute, a not-for-profit vocational and technical school specializing in adult education. It also is not far from the Mark Twain National Forest. Renters insurance premiums in Houston are 4.56% lower than the state average. 

Ellisville, MO

Located in the St. Louis metro area, the city of Ellisville was named by William Hereford after a post office in Virginia. Today, the city has more than 9,100 residents and was ranked the 25th best place to live by Money Magazine in 2009. With renters insurance rates 4.54% lower than the state average, Ellisville also places with the 4th lowest renters insurance rates in our Missouri study.

Sedalia, MO

Seldalia has hosted the Missouri State Fair since 1899 and the annual event is as popular as ever. More than 400,000 visitors attend the fair, which spans nearly 400 acres of land. The annual Scott Joplin Festival, which celebrates composers of the ragtime era, happens annually in Sedalia as well. Renters insurance quotes in Sedalia also are 4.12% lower than the state average, which ranks it with the fifth least expensive rates for insuring a rental property in the Show Me State.

Most Expensive Renters Insurance in Missouri 

The five places with the most expensive renters insurance in Missouri are scattered throughout the state and include teh two largest cities as well as smaller ones. The place with the most expensive rates is St. Louis, where premiums are 16.57% higher than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 St. Louis $459 16.57%
2 Macon 436 10.58%
3 Park Hills 431 9.41%
4 Eminence 430 9.26%
5 Kansas City 423 7.31%
*The Average Annual Rate is rounded to the nearest whole dollar amount.

St. Louis, MO

The city with the most expensive renters insurance in Missouri is St. Louis. Although it is not the capital or the largest city in the state, it has more than 310,000 residents and has a significant port along the Mississippi River. It’s one of only a few cities have have lost more than 60% of its population since 1950. Premiums for renters insurance are 16.57% higher in St. Louis than the state average. 

Macon, MO

Macon was first settled in 1852 by James T. Haley. The city was named after a Revolutionary War veteran named Nathaniel Macon. Today, it has more than 5,500 residents and beautiful prairie land surrounding it. The city once was rich with coal. Renters insurance rates in Macon are 10.58% higher than the state average. 

Park Hills, MO

Flat River, Elvins, Esther and the village of Rivermines joined together to form the city of Park Hills in 1994. Today, the city has more than 8,500 residents who enjoy local metro parks and area outdoor recreation. Renters insurance premiums in Park Hills are 9.41% higher than the average in the state. 

Eminence, MO

Eminence has about 600 residents and at the center of the Ozark National Scenic Riverways - the nation’s first protected river system. Thomas Dale Akers, a NASA astronaut, attorney and politician is from Eminence. Quotes for the study sample property were 9.26% higher than the state average. 

Kansas City, MO

The largest city in Missouri has more than 470,000 residents and the attractions that most major cities have - industry, entertainment, dining, professional sports teams and more. American explorers Lewis and Clark passed through the area where Kansas City now stands and noted that the river confluence would be a good place to build a fort. Premiums are 7.31% higher than the state average.

Average Cost of Renters Insurance in Missouri: by City

Our comparative study of renters insurance premiums in Missouri was done by gathering and analyzing quotes from five major carriers across 89 cities in the state. Our analysis showed premiums from the most expensive place were 22% higher than the cheapest place in the state. 

Study Methodology

Our study examined renters insurance quotes for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. We then collected quotes for that sample residence from five of the major carriers that offer a renters insurance product in the state of Missouri. We averaged rates for the sample home in each city as a benchmark to show which cities are relatively cheaper or more expensive. Those comparative values are not indicative of what tenants can expect to pay for an annual renters insurance premium.

RankCityAverage Annual Rate% Difference vs State Average
68 Ashland $401 1.66%
71 Bethany 402 1.94%
48 Bolivar 391 -0.68%
1 Boonville 376 -4.62%
61 Bowling Green 397 0.88%
10 Branson 380 -3.66%
49 Brookfield 391 -0.67%
72 Buffalo 402 1.94%
26 California 386 -2.10%
51 Camdenton 391 -0.64%
13 Cape Girardeau 381 -3.39%
44 Carthage 390 -0.99%
47 Caruthersville 391 -0.71%
21 Chillicothe 383 -2.85%
65 Columbia 399 1.18%
58 Cuba 396 0.59%
17 Dexter 381 -3.26%
38 El Dorado Springs 389 -1.20%
9 Eldon 379 -3.92%
4 Ellisville 376 -4.54%
79 Elsberry 409 3.82%
86 Eminence 430 9.26%
2 Fredericktown 376 -4.58%
30 Fulton 386 -1.99%
69 Gainesville 401 1.72%
84 Gallatin 420 6.62%
80 Hamilton 409 3.83%
18 Hannibal 381 -3.21%
35 Harrisonville 389 -1.36%
64 Hermann 398 1.10%
3 Houston 376 -4.56%
75 Independence 402 2.14%
14 Jackson 381 -3.39%
63 Jefferson City 398 0.98%
42 Joplin 390 -1.05%
85 Kansas City 423 7.31%
74 Kennett 402 1.97%
81 Kirksville 410 4.07%
45 Lake Ozark 391 -0.79%
66 Lamar 399 1.24%
8 Lebanon 378 -3.99%
82 Lees Summit 412 4.50%
54 Louisiana 392 -0.39%
88 Macon 436 10.58%
6 Marshall 378 -4.04%
36 Marshfield 389 -1.35%
33 Maryville 388 -1.45%
76 Memphis 403 2.25%
28 Mexico 386 -2.00%
Missouri Average 394 -0.10%
55 Moberly 394 0.05%
39 Monett 389 -1.20%
32 Monroe City 387 -1.85%
25 Mound City 386 -2.11%
70 Neosho 401 1.73%
37 Nevada 389 -1.34%
57 New Haven 396 0.55%
19 Nixa 382 -3.17%
20 Ozark 382 -3.09%
56 Paris 395 0.23%
87 Park Hills 431 9.41%
16 Perryville 381 -3.38%
50 Piedmont 391 -0.66%
78 Pineville 404 2.55%
83 Platte City 414 5.11%
46 Poplar Bluff 391 -0.73%
24 Raytown 384 -2.45%
40 Republic 390 -1.09%
62 Richmond 398 0.98%
43 Rogersville 390 -1.02%
29 Rolla 386 -2.00%
12 Saint Joseph 381 -3.40%
27 Saint Robert 386 -2.05%
73 Sainte Genevieve 402 1.96%
5 Sedalia 378 -4.12%
22 Sikeston 383 -2.80%
15 Springfield 381 -3.39%
89 St. Louis 459 16.57%
59 Steelville 396 0.59%
67 Stockton 399 1.32%
52 Stover 391 -0.64%
60 Sullivan 397 0.74%
7 Tipton 378 -4.04%
41 Trenton 390 -1.07%
53 Troy 392 -0.48%
77 Versailles 403 2.40%
34 Warrensburg 388 -1.42%
23 Washington 384 -2.51%
31 Waynesville 386 -1.96%
11 Webster Groves 380 -3.62%
*The Average Annual Rate is rounded to the nearest whole dollar amount.

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