Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Missouri Average homeowners insurance cost in Missouri Homeowners insurance in Missouri costs $3,528 per year or $294 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: November 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. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Missouri homeowners insurance costs $3,528 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Missouri. Key Takeaways Homeowners insurance costs an average of $3,528 a year, based on Insure.com analysis.Of all the ZIP codes in Missouri, 63368 has the most affordable home insurance rates at around $2,835 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 $3,528 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,477 per year for homeowners insurance in Missouri for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Missouri for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$2,625$219200000 with 1000 Deductible and 300000 Liability and None Deductible$2,638$220300000 with 1000 Deductible and 100000 Liability and None Deductible$3,528$294300000 with 1000 Deductible and 300000 Liability and None Deductible$3,543$295400000 with 1000 Deductible and 100000 Liability and None Deductible$4,354$363400000 with 1000 Deductible and 300000 Liability and None Deductible$4,370$364600000 with 1000 Deductible and 100000 Liability and None Deductible$6,406$534600000 with 1000 Deductible and 300000 Liability and None Deductible$6,425$5351000000 with 1000 Deductible and 100000 Liability and None Deductible$10,209$8511000000 with 1000 Deductible and 300000 Liability and None Deductible$10,231$853Homeowners insurance companies in Missouri decide rates based on risk. They consider your location, claims history and coverage limit when calculating 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.According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in MissouriIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Missouri using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Missouri. Based on the analysis, Shelter Insurance received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreShelter Insurance$3,292A0.425American Family$3,344A0.374.71State Farm$2,477A++0.954.02Auto Club Enterprises (AAA)$1,997A+1.053.9Allstate$3,718A+0.93.67Farmers$6,323A0.543.49Nationwide$4,571A+0.873.47Average homeowners insurance cost by company in MissouriAuto Club Enterprises (AAA) has the cheapest homeowners insurance rates in Missouri. Its average annual cost for Missouri homeowners is $1,997. State Farm and Shelter Insurance also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Missouri with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateAuto Club Enterprises (AAA)$1,997$166State Farm$2,477$206Shelter Insurance$3,292$274American Family$3,344$279Allstate$3,718$310Nationwide$4,571$381Farmers$6,492$541USAA$2,617$218Missouri homeowners insurance rates by ZIP codeIn Missouri, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Missouri. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in MissouriHomeowners insurance costs in Missouri can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 63368 area has the most affordable insurance rates, at $2,835 annually or $236 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Missouri.ZIP codeAverage annual rateAverage monthly rate63368$2,835$23663144$2,851$23863303$2,853$23863026$2,860$23863366$2,865$23963125$2,868$23963123$2,874$24063128$2,882$24063385$2,884$24063011$2,886$241Most expensive ZIP codes for home insurance rates in MissouriYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Missouri, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.64125 has the most expensive homeowners insurance rates in Missouri at an average annual cost of $4,571.Below, we’ve highlighted some of the most expensive ZIP codes in Missouri for home insurance:ZIP codeAverage annual rateAverage monthly rate64125$4,571$38164124$4,558$38064123$4,541$37864108$4,521$37764110$4,508$37664106$4,483$37464129$4,480$37364128$4,468$37264127$4,434$37064126$4,430$369Home 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 ViewSpokaneHome insurance rate trend in MissouriWe analyzed home insurance rate trends in Missouri and found that homeowners insurance rates experienced an overall increase of 6% or $193, from 2022 to 2023.The following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$2,916$3,335$3,528Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in Missouri.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.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 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The 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$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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