Home Home insurance Average home insurance cost Average homeowners insurance cost in Missouri Average homeowners insurance cost in Missouri View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's EditorUpdated on: February 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. But home insurance policies can get expensive, depending on the coverage level you choose and your insurer.On average, Missouri homeowners insurance costs $3,335 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Missouri.Key TakeawaysHomeowners insurance costs an average of $3,335 a year, based on Insure.com analysis.Amongst all the ZIP codes in Missouri, 63368 has the most affordable home insurance rates, around $2,623 annually.In Missouri, Auto Club Enterprises (AAA) provides the most affordable home insurance at an average annual premium of $1,997.Average home insurance cost in Missouri by coverage levelThe average cost of homeowners insurance in Missouri is $3,335 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1000 deductible.However, if you increase the dwelling coverage from $300,000 to $400,000, you will pay $3,937 per year for homeowners insurance in Missouri for $100,000 in liability protection and $1000 deductible.Find below the average cost of homeowners insurance in Missouri for dwelling coverage of $300,000, $400,000 and $500,000CoverageAverage annual rateAverage monthly rate$3,00,000 with $1,000 Deductible and $1,00,000 Liability$3,335$278$4,00,000 with $1,000 Deductible and $1,00,000 Liability$3,937$328$5,00,000 with $1,000 Deductible and $1,00,000 Liability$4,315$360Homeowners insurance companies in Missouri decide rates based on risks. They consider your location, claims history, credit history and coverage limits, etc., to calculate premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs.Best homeowners insurance companies in MissouriIt’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Missouri using their J.D. Power score and AM Best rating and put together a list of the best homeowners insurance in Missouri. Based on the analysis, USAA received the highest J.D. power score of 884 and A++ rating from AM Best.CompanyA.M. Best ratingJ.D. Power ratingOverall scoreUSAAA++8844.83State FarmA++8293.94Auto Club Enterprises (AAA)A+8173.78American FamilyA8423.49AllstateA+8153.29NationwideA+8163.14Farmers InsuranceA7921.93Average homeowners insurance cost by company in MissouriAuto Club Enterprises (AAA) offers the most affordable homeowners insurance in Missouri, at an average annual premium of $1,997 a year, followed by USAA and State Farm.You can save hundreds— if not thousands of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for Missouri homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1000 deductible.CompanyAverage annual rateAverage monthly rateAuto Club Enterprises (AAA)$1,997$166USAA$2,447$204State Farm$2,956$246American Family$3,024$252Shelter Insurance$3,292$274Allstate$3,453$288Nationwide$3,975$331Farmers$5,821$485Missouri homeowners insurance rates by ZIP codeInsurance companies in Missouri assess the risk associated with a specific location. ZIP codes with higher crime rates, instances of natural disasters, or poor road conditions may be deemed higher risk, resulting in higher insurance rates. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a home insurance policy.Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Missouri. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in MissouriNot every area in Missouri has the same home insurance cost. How much is home insurance in Missouri depends on a lot of different factors and one of them is your ZIP code. 63368 ZIP has low cost home insurance rates in Missouri, at about $2,623 a year or $219, based on Insure.com data.Find below the homeowners insurance rates for some of the most affordable ZIP codes in Missouri. ZIP codeAverage annual rateAverage monthly rate63368$2,623$21963366$2,634$22063303$2,637$22063385$2,670$22363367$2,703$22563144$2,713$22663341$2,721$22763376$2,724$22763348$2,726$22763304$2,728$227 Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Missouri by cityKansas CityMountain ViewSpokaneFinal thoughtsFinding the right homeowners insurance company takes some digging and comparing quotes from various insurers.Home insurance companies gauge risk differently from one another. That’s why getting quotes from at least three homeowners insurance companies is important for getting affordable homeowners insurance in Missouri.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. To determine the average premiums, we analyzed 14,723,760 insurance quotes from 147 insurance companies across 34,587 ZIP codes.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level$300,000 dwelling coverage$100,000 liability protection$1000 deductibleThe quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Missouri Average renters insurance cost in Missouri Average car insurance cost in Missouri Non-owner auto insurance in Missouri How much is home insurance in other statesAlaska$1,867/YearAlabama$2,882/YearArkansas$4,062/YearArizona$1,947/YearCalifornia$1,357/YearColorado$3,376/YearConnecticut$2,165/YearWashington D.C.$1,203/YearDelaware$1,230/YearFlorida$2,260/YearGeorgia$2,375/YearHawaii$562/YearIowa$2,389/YearIdaho$1,879/YearIllinois$2,589/YearIndiana$2,707/YearKansas$4,648/YearKentucky$3,153/YearLouisiana$2,843/YearMassachusetts$1,583/YearMaryland$1,685/YearMaine$1,420/YearMichigan$2,306/YearMinnesota$2,307/YearMississippi$3,541/YearMontana$2,857/YearNorth Carolina$2,689/YearNorth Dakota$2,931/YearNebraska$4,614/YearNew Hampshire$1,190/YearNew Jersey$1,245/YearNew Mexico$2,530/YearNevada$1,433/YearNew York$1,727/YearOhio$2,005/YearOklahoma$4,934/YearOregon$1,491/YearPennsylvania$1,820/YearRhode Island$1,534/YearSouth Carolina$2,751/YearSouth Dakota$3,514/YearTennessee$2,857/YearTexas$3,977/YearUtah$1,411/YearVirginia$2,043/YearVermont$1,158/YearWashington$1,643/YearWisconsin$1,495/YearWest Virginia$1,781/YearWyoming$1,846/YearShow more In case you missed it What is HO-6 condo insurance and how much does it cost? 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Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2024 By Shivani Gite Condo and co-op homeowners insurance: What you should know By Mark Vallet Cost of living calculator By Nupur Gambhir Homeowners insurance rates by state in 2024 By Jake Safane Homeowners insurance calculator: Estimate the cost of homeowners insurance By Jessica Olson Mobile home insurance cost and coverage in 2024 By Chris Kissell On this page Average home insurance cost in Missouri by coverage levelBest homeowners insurance companies in MissouriAverage homeowners insurance cost by company in MissouriMissouri homeowners insurance rates by ZIP codeFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates