Renters Insurance

The Best Cheap Renters Insurance in Missouri

The Best Cheap Renters Insurance in Missouri

Lemonade has the best prices for renters insurance in Missouri, with an average rate of $168 per year, or $14 per month.

The average cost of renters insurance in Missouri is $21 per month. Lemonade's low rates can save you 33% compared to the state average price.

Compare Cheap Renters Insurance in Missouri

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We collected quotes from six top renters insurance companies offering coverage statewide in Missouri to help you find the most affordable rates available. When choosing a renters insurance company, you should always consider coverage options and customer service, in addition to affordability.

All quotes include $30,000 of personal property coverage with a $500 deductible, as well as $100,000 in liability protection.

Cheapest renters insurance companies in Missouri

The cheapest renters insurance in Missouri is available at Lemonade, where renters will find an average price of just $14 per month.

The average price of coverage in Missouri is $21 per month, and Lemonade is the only insurance company that offers significant savings. There is a big difference between the most and least affordable options. Allstate and Farmers are the most expensive companies by a large margin.

The Cheapest Renters Insurance in Missouri

Compare Cheap Renters Insurance in Missouri

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Missouri renters pay 16% more for renters insurance than the average American. Across the country, renters insurance costs about $18 per month, on average.

Monthly cost
Lemonade logo
Nationwide logo
Amica logo
Travelers logo
Allstate logo
Farmers logo

Best renters insurance for most people: Lemonade

Lemonade charges the lowest prices on average for renters insurance in Missouri.
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Read the full review.

The good:

  • Most affordable renters insurance in Missouri
  • Easy-to-use mobile app

The bad:

  • Hard to speak to a person for claims

Lemonade is our top recommendation for cheap renters insurance in Missouri. It has the lowest price of any insurance company in the state, at just $14 per month. That's 33% cheaper than the average rate statewide and saves renters $83 per year.

We found the experience of signing up and using Lemonade renters insurance to be convenient and straightforward. It has a best-in-class mobile app and online sign-up experience, so getting coverage is quick.

But Lemonade's focus on its mobile apps does have a drawback. It can be harder to get in touch with a person if you have a question about your policy, and Lemonade doesn't have any physical agencies at all.

We found coverage options at Lemonade to be satisfactory but not industry-leading. It offers replacement cost coverage and valuable items protection. But you'll miss out on some other options, like identity theft protection.

Best rated: Amica

Amica has the highest customer service rating of any company we reviewed in Missouri.
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The good:

  • Highly rated service
  • Good discounts

The bad:

  • Average rates

For renters willing to spend more than the minimum for great service, we recommend Amica. It's only a few dollars more per month than our top pick and is consistently well-rated by its customers.

Amica received a top score in our ratings for renters insurance, reflecting the positive experiences customers tend to have while buying a policy or making a claim. Amica receives only 12% as many complaints as an average insurance company its size, according to the National Association of Insurance Commissioners (NAIC) — suggesting customers are very likely to be satisfied with their experience.

The average price at Amica is about $20 per month, or $235 per year. That's $6 more per month than our top pick, Lemonade, but still slightly cheaper than the state average.

However, you may be able to reduce your price by taking advantage of Amica's discounts. These include savings for being claim-free and bundling your renters insurance with an auto policy.

Best renters insurance for complete coverage: Nationwide

Nationwide's varied list of endorsements gives buyers many ways to enhance their standard policies.
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Read the full review.

The good:

  • Lots of useful add-ons available
  • Competitive prices

The bad:

  • Not many ways to lower your premiums

People who want more than standard coverage should consider Nationwide renters insurance. Nationwide's prices for renters insurance are slightly cheaper than average, with an average price of $19 per month. That's 7% cheaper than the statewide average price.

Nationwide offers a number of useful ways to increase coverage through add-ons such as:

  • Water backup protection: Covers expenses that arise from water damage caused by broken or malfunctioning sinks or drains.
  • Identity theft coverage: For about $4 per month, Nationwide monitors your financial information and, in the event of a breach, covers up to $25,000 of damages and legal services.
  • Replacement cost coverage: Reimburses you for the full value of your lost or stolen property, without considering how it's depreciated over time.
  • Valuables plus insurance: You can add extra coverage to special items, such as jewelry or firearms, which aren't covered in full by a standard policy.

Unfortunately, Nationwide doesn't offer many ways to lower the price of your renters insurance. People who already have an auto policy with Nationwide stand to reduce their premiums the most. You could also save if you have a clean insurance history or live in a house outfitted with safety equipment, like smoke alarms.

Best for military families: USAA

USAA includes premium benefits in its standard policies at no additional charge.
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Read the full review.

The good:

  • Earthquake and replacement cost coverage for free
  • Top-rated service

The bad:

  • Only available to people affiliated with the military

USAA offers the best renters insurance in Missouri of any of the providers we surveyed; however, it's only available to people affiliated with the military, including the families of active and retired service members.

The coverages that come with a standard USAA policy make it the best renters insurance in the state for anyone associated with the military. A typical policy includes replacement cost coverage, flood insurance and earthquake protection. The latter two of these are especially valuable for Missourans, many of whom live near the state's large rivers or the volatile New Madrid fault line.

On top of its premium coverage, USAA renters insurance has highly satisfied customers, according to data from the National Association of Insurance Commissioners (NAIC) and J.D. Power. It receives only half of the complaints you'd expect for a company of its size, and it's one of the top-rated insurers in the country, according to J.D. Power.

Missouri renters insurance: Costs by city

The most expensive city for renters insurance in Missouri is St. Louis, where coverage costs $275 per year.

The cheapest of the state's largest cities is Columbia, where the average rate is just $234 annually. That's 7% cheaper than the state average of $251.

Renters insurance costs can change based on where you live. Your bill might be more expensive if you live in an area with a higher crime rate, or lower if your home is located on high ground, away from a flood zone.

Average annual cost
Difference from state average (%)
Blue Springs$2677%
Cape Girardeau$2614%
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Top-rated renters insurance companies in Missouri

USAA and Amica have the best customer service among renters insurance companies in Missouri.

Both companies received positive ratings from customers and few complaints according to the NAIC. They also received strong ratings from the ValuePenguin editors, and USAA is J.D. Power's top pick for customer satisfaction.


Frequently asked questions

How much is renters insurance in Missouri?

The average cost of renters insurance in Missouri is $21 per month. Missorui renters can find the cheapest rates at Lemonade, where a policy costs $14 per month.

Can a landlord require renters insurance in Missouri?

Yes, your landlord can require you to buy renters insurance. It's important to check your lease agreement to make sure you have enough coverage to satisfy your contract.

How much is renters insurance in St. Louis, MO?

Renters in St. Louis pay around $23 per month for insurance, which is 10% more than the Missouri state average. In comparison, people living in Kansas City, Mo., pay $22 per month.


We evaluated renters insurance prices from six major insurance companies in 21 of the largest cities and census-designated places across the state of Missouri. All sample quotes are for a single 25-year-old renter who lives alone and has no recent renters insurance claims.

Personal property$30,000
Personal liability$100,000
Medical payments$1,000
Loss of use$9,000

Listed coverage applied where available.

Top picks are determined by our experts, who analyze rates, customer service and coverage options.

Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) complaint index, the J.D. Power customer service satisfaction index and ValuePenguin's editors' rankings.

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.