Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best homeowners insurance in Missouri of 2023

Based on our research, the best home insurance companies in Missouri include USAA, Allstate, Travelers, State Farm and American Family.
Updated Sep 01, 2023
DISCOVER YOUR PERFECT PROVIDER
We’ll just need your ZIP code to show you offers from home insurance carriers in your area.
Location-Icon
Lock Secure Your information is secure
Explore offers from trusted carriers
+ MORE
User
Find providers near you
We’ll just need your location to provide you with home insurance options available in your area.
Insurance Home
Explore your coverage options
Choose from multiple providers near you. The more quotes you compare, the more you can save!
Congrats
Pick your best policy
Once you’ve found your favorite quote, finish up the process online with the provider of your choice. And that’s it!
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Mortgage

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon
Your information is kept secure
Caret DownCaret Up
Caret DownCaret Up
Field is required
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

Compare the best homeowners insurance companies in Missouri

Based on data sourced from Quadrant Information services, the average rate for $250k in dwelling coverage in Missouri is $1,769, or about $147 a month. We based our rankings of the best homeowners insurance in Missouri on companies writing the most cost-effective policies, as well as what standard and optional coverages they offer. We also looked at digital tools, third-party scores from J.D. Power and others and more to assign a Bankrate Score out of a possible 5.0 points to help you easily compare providers. Based on our extensive research, our choices for the best homeowners insurance in Missouri are USAA, Allstate, Travelers, State Farm and American Family.

USAA
Rating: 3.7 stars out of 5
3.7
Bankrate Score
Info
AM Best
A++
J.D. Power
884
/1,000
Average monthly premium
$110
Average annual premium*
$1,323
Get a quote
Allstate
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
AM Best
A+
J.D. Power
815
/1,000
Average monthly premium
$121
Average annual premium*
$1,450
Get a quote
Travelers
Rating: 3.3 stars out of 5
3.3
Bankrate Score
Info
AM Best
A++
J.D. Power
794
/1,000
Average monthly premium
$129
Average annual premium*
$1,553
Get a quote
State Farm
Rating: 3.2 stars out of 5
3.2
Bankrate Score
Info
AM Best
A++
J.D. Power
829
/1,000
Average monthly premium
$165
Average annual premium*
$1,978
Read review
American Family
Rating: 3.1 stars out of 5
3.1
Bankrate Score
Info
AM Best
A
J.D. Power
842
/1,000
Average monthly premium
$166
Average annual premium*
$1,990
Get a quote
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

*USAA not officially ranked by J.D. Power due to eligibility restrictions.

The top five home insurance companies in Missouri

USAA

Best for military-focused coverage

Rating: 3.7 stars out of 5
3.7 Bankrate Score
JD Power: 884/1,000 AM Best: A++

Average annual premium

$ 1,323 for $250k dwelling coverage
USAA Review Get a personalized quote

Why USAA made our list: USAA consistently ranks among the best homeowners insurance companies in the nation. The biggest downside is that coverage with USAA is only available to active-duty military, veterans and their qualifying family members. The company’s claims satisfaction and overall customer satisfaction with J.D. Power consistently ranks at or toward the top of the list, although it is not officially ranked due to its eligibility requirements. Standard homeowners insurance covers most weather-related events common to Missouri, although it’s important to note that flood insurance must be purchased separately. If the policyholder makes no claims in five years, it’s possible to earn up to 10 percent off policy premiums. 

Who USAA may be good for: If you are stationed at Whiteman AFB, Fort Leonard Wood or any other Missouri military bases, USAA may be a good option. It offers unique coverage options geared specifically towards the military, such as insurance for your uniforms.

Allstate

Best for discounts

Rating: 3.5 stars out of 5
3.5 Bankrate Score
JD Power: 815/1,000 AM Best: A+

Average annual premium

$ 1,450 for $250k dwelling coverage
Allstate Review Get a personalized quote

Why Allstate made our list: If you are a first-time home buyer or looking to switch home insurance policies in Missouri, Allstate might be an attractive choice due to the benefits you could receive. For first-time homebuyers, Allstate offers the standard coverage options, as well as educational resources on home insurance for first-time homeowners and a first-time home buyers discount. For homeowners looking to switch policies, Allstate offers an early signing discount and a welcome discount, saving you extra on your home insurance. There are also a number of other potential discounts that may earn you a lower premium rate.

Who Allstate may be good for: If you're looking to save money after your home purchase, take a look at Allstate. You could, for example, save up to 25 percent if you bundle your home and car insurance, while there are savings of up to 20 percent if you are claims-free.

Travelers

Best for green homes

Rating: 3.3 stars out of 5
3.3 Bankrate Score
JD Power: 794/1,000 AM Best: A++

Average annual premium

$ 1,553 for $250k dwelling coverage
Travelers Review Get a personalized quote

Why Travelers made our list: Travelers offers robust standard coverage options and it excels when it comes to endorsements. There are eight different options that allow you to customize your policy to fit your particular needs. One unique add-on will allow you to upgrade to green materials when rebuilding after a covered claim. Other endorsements include contents replacement coverage, water backup and sump pump and a personal articles floater. The company also offers several discount options, including a green home discount that will save you up to 5 percent if you live in a LEED-certified home. The company does rank below average on J.D. Power’s 2022 U.S. Home Insurance Study as well its 2023 U.S. Property Claims Satisfaction Study.

Who Travelers may be good for: If caring for the environment and living in an environmentally-responsible manner is important to you, you may want to consider Travelers for its green home discount and endorsement.

State Farm

Best digital tools

Rating: 3.2 stars out of 5
3.2 Bankrate Score
JD Power: 829/1,000 AM Best: A++

Average annual premium

$ 1,978 for $250k dwelling coverage
State Farm Review Get a personalized quote

Why State Farm made our list: State Farm offers a substantial variety of options to add to your basic policy, including additional coverage for earthquakes and coverage for the homeowner’s portion of a loss that affects all homeowner association members. State Farm is regarded as one of the best in overall customer satisfaction. The company has exclusive local agents in communities across Missouri as well as user-friendly digital tools to make it easy to get a quote quickly and manage your policy. The company's mobile apps for iOS and Android are highly-rated and the website is well-organized and effective.

Who State Farm may be good for: State Farm might be a good choice for Missouri residents who prefer to do their insurance business online or via an app. Having said that, the company also has numerous local agents in most Missouri towns if you prefer the personal touch when managing your policy.

American Family

Best for customer service

Rating: 3.1 stars out of 5
3.1 Bankrate Score
JD Power: 842/1,000 AM Best: A

Average annual premium

$ 1,990 for $250k dwelling coverage
American Family Review Get a personalized quote

Why American Family made our list: On average, Missouri homeowners pay more for AmFam home insurance than the state average of $1,769. However, the company receives above-average ratings for customer satisfaction with J.D. Power. Missouri homeowners who sign up with AmFam home insurance receive coverage for fire, falling objects, hail, lightning, smoke, water damage and windstorms or tornadoes, to name a few. AmFam offers all of the standard coverage options as well as additional policies or endorsements for things like flooding, sump pump failure and water backup—options that Missouri homeowners may want to consider due to the risk of severe weather hazards in the state.

Who American Family may be best for: AmFam's high score with J.D. Power indicates a company that values its customer relationships, so if that is important to you, you may want to consider asking for a quote.

How Bankrate chose the best home insurance companies in Missouri

To help you find the best homeowners insurance in Missouri, Bankrate’s insurance editorial team first analyzed average rate data from Quadrant Information Services. Next, we looked at coverage options and potential discount, as well as how third-party organizations, including J.D. Power and AM Best, rate the carriers for customer service and financial strength. We compiled this information into a Bankrate Score along with several other metrics. The better a company performed in each category, the higher its Bankrate Score, for a maximum score of 5.0 out of 5.0. By using our Bankrate Score as a starting place in your search, you can get a quick sense of the big picture surrounding home insurance companies in your area before requesting quotes.

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

How much is home insurance in Missouri?

Bankrate’s research on the cost of Missouri home insurance for $250,000 in dwelling coverage indicates that the state’s residents pay an average of $1,769 per year, which is higher than the national average cost of $1,428 per year. Extreme weather plays a big part in why rates are higher than average — tornadoes and severe convective storms can cause serious damage to your property. The EF-5 tornado in 2011 in Joplin was one of the deadliest and largest property loss events from a tornado in U.S. history, according to the Insurance Information Institute (Triple-I).  In addition, Missouri has one of the highest crime rates in the country, increasing the odds of burglary or theft.

Although Missouri home insurance rates are high, residents in neighboring states have higher premiums due to the even greater frequency of severe convective storms and tornadoes, including Arkansas, where the average is $2,123 for $250,000 in dwelling coverage, and Oklahoma, where residents pay an average of $3,659, the most expensive average rates in the nation.

Average annual premium by dwelling coverage level in Missouri

$150K
$954
$250K
$1,323
$350K
$1,660
$450K
$1,981
$750K
$2,930
$150K
$1,181
$250K
$1,450
$350K
$1,706
$450K
$1,929
$750K
$2,723
$150K
$1,115
$250K
$1,553
$350K
$2,082
$450K
$2,532
$750K
$3,615
$150K
$1,403
$250K
$1,978
$350K
$2,412
$450K
$2,981
$750K
$4,653
$150K
$1,452
$250K
$1,990
$350K
$2,512
$450K
$3,040
$750K
$4,583
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Some Missouri cities feature average home insurance rates well below the state average. Reasons for this may be complex, and are likely related to lower crime rates and fewer natural disasters, leading to fewer claims. Here are some of the cities where you will pay an annual average of 11 percent less than the state average for your policy:

  • Lake Saint Louis: $1,570
  • Saint Charles: $1,572
  • Foristell: $1,576
  • Arnold: $1,577
  • Eureka: $1, 578

Some cities in Missouri have much higher average home insurance rates than the rest of the state, and you could pay more if you live in one of them because of the increased chance that you will need to file a claim. Keep in mind, however, that your own rate is likely to differ from the average, based on multiple factors that are unique to your own situation. The following cities all have average annual rates that are 13-14 percent higher than the state average.

  • South West City: $2,009
  • Noel: $2,000
  • Pineville: $1,999
  • Anderson: $1,995
  • Amsterdam: $1,993

*Rates are for $250,000 in dwelling coverage.

How to find the best cheap home insurance in Missouri

It's understandable if you are looking for the most affordable Missouri homeowners insurance companies. No one wants to pay more than they have to for their home insurance, of course. The good news is that there are strategies you can use that may help you lower the cost of your premium. Consider the following:

  1. Ask for multiple quotes: Even if you've settled on a company that you think will be best, consider getting quotes from other insurers. You may be surprised to find a wide range of possible premiums and multiple quotes will allow you to compare and make the best decision.
  2. Choose a higher deductible: Your deductible is the amount you agree to pay toward the cost of a covered claim before your insurance kicks in. If you can afford to choose a higher deductible—$1,000 rather than $500, for example—you are likely to pay less for your policy. Just be sure you could afford to pay it in the event of a claim.
  3. Bundle policies: Most insurers will offer fairly significant savings if you purchase more than one policy from them. In most cases, this would mean car plus home, but your insurance company may offer other bundling opportunities as well. 
  4. Keep your roof in good repair: Roof damage can be the cause of high-cost claims, which is why your insurer is likely to ask the age of your roof when you request a quote. A newer, well-maintained roof may earn you some savings on your policy.

Common home insurance discounts in Missouri

In addition to our suggestions above, you may save significantly if you make use of any home insurance discounts to which you are entitled. Most Missouri homeowners insurance companies offer at least a few discounts; some of them are quite easy to qualify for. Here are a few you might see listed on your insurer's website:

Home insurance coverage options in Missouri

The most common types of homeowners insurance coverage in Missouri typically include dwelling coverage, personal property, loss-of-use coverage, personal liability and medical payments. Many people find that these additional coverage types and endorsements offer better financial protection against the perils Missouri homeowners face, so you may want to consider adding one or more of these to your insurance portfolio.

  • Flood insurance: Flooding is not covered by standard homeowners insurance in Missouri or anywhere else. Given the state’s propensity for catastrophic flooding, you may want to seriously consider it, regardless of whether you live in a flood zone, as water damage can be financially devastating. Policies are available both from the National Flood Insurance Program (NFIP) and private insurers. 
  • Replacement cost coverage: Instead of receiving a depreciated reimbursement amount for items covered by your policy, you might want to upgrade to replacement cost coverage, which covers the full, current replacement cost for damaged or lost items after a covered loss.
  • Disappearing deductible: If you do not foresee having claims in the future, you may want to opt for disappearing deductible insurance if your insurer offers it. It could reduce the cost of Missouri homeowners insurance deductibles every year without a claim.

Frequently asked questions

Savings

Compare rates and save on home insurance today!

ZIP code
Close X
Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Senior Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute