Best and Cheapest Home Insurance in Missouri (2026)
Find Cheap Home Insurance Quotes in Missouri
What's the best homeowners insurance in Missouri?
Who sells the cheapest homeowners insurance in Missouri?
AAA has the cheapest home insurance rates in Missouri for most people. A policy with $350,000 in dwelling coverage costs $1,670 per year, on average, with AAA.
Find Cheap Home Insurance Quotes in Missouri
- AAA has the cheapest rates for most homeowners in Missouri. But if you have a high-value home, State Farm could be a cheaper option.
- Consider getting a quote from Allstate if you own a newly built home. At $999 per year, Allstate's average rate for new homes is 27% cheaper than the overall state average.
- USAA is often a cheap option, and it comes with great customer service. But you can only get coverage if you're a veteran, a current military member or a qualifying family member.
Best cheap home insurance in Missouri by dwelling amount
$200,000
$350,000
$500,000
$1 million
Key takeaways
- Home insurance in Missouri has gone up by about 45% since 2021. That's a bit less than the national average increase, which is 48%.
- Liberty Mutual and Auto-Owners have raised rates the most over the last five years in Missouri. Both companies increased prices by more than 80%.
- Allstate and State Farm have had the lowest rate increases since 2021. However, a policy from these companies still costs about 23% to 24% more now than it did five years ago.
Best home insurance in Missouri for most people: AAA
Pros & cons
- Cheap rates
- Good service
- Cheap rates in St. Louis
- Website can be difficult to use
- Requires a membership
Why is AAA the best?
AAA has the cheapest home insurance rates for most people in Missouri.
How much is AAA insurance in Missouri?
AAA also has good customer service, with 86% fewer complaints than expected for a company its size, according to the National Association of Insurance Commissioners (NAIC). Plus, when you're an AAA member, you get access to the company's other perks, like its roadside assistance, discounts on travel and financial products.
Potential issues
While AAA has cheap rates, you do have to pay a small membership fee to join. Membership can cost between $35 and $94 for your first year. Make sure you consider the cost of membership as you compare AAA's rates to other companies.
AAA's website can also be difficult to use. Some pages can be nearly impossible to get to because of technical glitches.
Compare rates in St. Louis
AAA has the cheapest average rates in St. Louis for most people. USAA is a bit cheaper, but you can only get a policy from USAA if you're affiliated with the military.
Best home insurance in Missouri for bundling: State Farm
Pros & cons
- Cheap rates
- Great bundling discount
- Local agents available
- More complaints than average
- Fewer discounts than some companies
Why is State Farm the best?
State Farm has cheap home and auto insurance rates in Missouri, plus a big bundling discount.
That makes it the best company for people who want to bundle their policies. You could save an average of 27% on your home insurance and 18% on your car insurance when you bundle with State Farm.
Additionally, State Farm has local agents in nearly 200 cities in Missouri. That means it's likely there's an agency near you. Local agents can help you understand your insurance needs and pick coverages that are right for you.
Potential issues
State Farm's customer service isn't the best. The company gets 23% more complaints than average for its size, according to the National Association of Insurance Commissioners (NAIC). However, your experience will likely depend on the agent you pick.
State Farm also doesn't have as many discounts as some companies. As you shop around, pay attention to the discounts you can get and compare quotes from different companies.
Compare bundling discounts
State Farm offers a large bundling discount. Combine that with State Farm's already cheap rates, and you can get some of the cheapest prices on home insurance in Missouri.
Best home insurance in Missouri for new homes: Allstate
Pros & cons
- Cheap rates for new homes
- Good coverage and discounts
- Local agents available
- More complaints than average
- Claims might be difficult
Why is Allstate the best?
Allstate has cheap rates for newly built homes, and a discount that could help you save even more.
Allstate charges $999 per year, on average, to insure a new home. That's 27% cheaper than the state average of $1,376 per year to cover a new house. Plus, Allstate offers a discount if your home is newly built, which means you can save even more.
Allstate has a good list of optional coverages, too. Adding some of these coverages to your policy can help you tailor your insurance to your unique needs. Allstate lets you add coverage for musical instruments, sports equipment and your electronic data.
Potential issues
Allstate gets 6% more complaints about its home insurance than average, adjusted for its size, according to the National Association of Insurance Commissioners (NAIC). While this is better than some companies, such as State Farm, it could still mean that customers have issues when they're dealing with Allstate.
Additionally, J.D. Power ranks Allstate as below average for claims service. This could mean it takes a long time to get your home fixed after a claim or that customers have frustrating experiences working with their adjusters.
Compare new home rates
For most people, Allstate has the cheapest rate for newly built homes. If you're affiliated with the military, you may be able to get a cheaper rate with USAA.
What are the top-rated homeowners insurance companies in Missouri?
USAA and AAA sell the best-rated home insurance in Missouri.
Both companies have cheap rates and good customer service. However, you can only get USAA if you're a current military member, veteran or qualifying family member. For everyone else, AAA could be a great option.
What's the average cost of homeowners insurance in Missouri?
Home insurance in Missouri costs $2,641 per year, on average, for a policy with $350,000 in dwelling coverage.
That's 10% higher than the national average cost for home insurance, which is $2,395 per year for $350,000 in dwelling coverage.
Average cost of home insurance in Missouri by dwelling amount
Home insurance in Missouri is cheaper than it is in the surrounding states. In Illinois, a policy with $350,000 in dwelling coverage costs $2,731 per year. In Iowa, the same coverage is $3,136. And in Kansas, homeowners pay an average of $4,095 per year for $350,000 in dwelling coverage.
But rates in Missouri could be going up soon. According to the NOAA/National Weather Service Storm Prediction Center, Missouri had 667 windstorms in 2025, more than in any of the states around it. There were also a high number of hailstorms and tornadoes. The more severe weather a state gets, the higher its home insurance rates will usually be. That's because rates are higher when homes are more likely to be damaged.
Missouri homeowners insurance rates by city
Home insurance in St. Louis costs $2,493 per year, on average, for $350,000 in dwelling coverage.
That's 6% cheaper than the state average. But in Kansas City, a policy costs $3,014 per year, which is 14% more than the state average.
Craig, a small town in the northwest corner of the state, near the border with Nebraska, has the highest average home insurance rate in the state at $3,111 per year. Fenton, a suburb on the southwest side of St. Louis, has the cheapest rates in Missouri, at an average of $2,152 per year.
Find Cheap Home Insurance Quotes in Missouri
Rates tend to be cheaper on Missouri's eastern side, particularly around St. Louis. Western Missouri has higher average rates, likely because of an increased risk for wind damage.
Average annual home insurance rates by MO city
What kind of home insurance do I need in Missouri?
Like other states in the Midwest, Missouri can experience strong thunderstorms, high winds and tornadoes. Floods are also common in Missouri. Home insurance typically covers most of these types of damage, but you need a separate policy for flood damage.
Is wind damage covered by Missouri home insurance?
Most home insurance policies automatically cover wind damage, including from tornadoes. You might have a separate wind and hail deductible, though, which means you would have to pay more before your coverage kicks in. And if your home is in poor condition, your roof might not be covered.
According to the NOAA/National Weather Service Storm Prediction Center, Missouri had 667 windstorms in 2025, in addition to 120 tornadoes. Wind can damage your roof and siding, and it can also blow loose objects into your house. And if the wind damages your roof, you could also have water damage from rain.
You can lower the risk of wind damage by maintaining your home.
- Trim trees that hang over or near your house or garage.
- Make sure your roof is in good condition.
- Secure lawn furniture before a storm.
- Install storm shutters on your windows.
Does Missouri home insurance cover hail damage?
Home insurance usually covers hail damage. But if your home isn't well maintained, you might not be covered. For example, if your roof is old and already damaged, your home insurance company might decline to cover it.
Missouri had 253 hailstorms in 2025. Only Texas, Kansas, Oklahoma and Nebraska had more hailstorms. Hail can easily damage your roof and siding. If you live in Missouri, make sure you understand how your policy covers hail damage. Just like with wind damage, you might have to pay a higher deductible if your home gets hit by hail.
Is flood damage covered by Missouri home insurance?
Home insurance almost never covers flood damage. You have to buy a flood insurance policy to have coverage for floods. You can get coverage through the National Flood Insurance Program (NFIP) or through some private insurance companies.
Since 2015, the NFIP has paid over 6,500 flood claims in Missouri, which caused over $338 million in damage. It only takes an inch of water to cause $25,000 in damage, and paying for the repairs yourself can be financially devastating. Every homeowner in Missouri should at least consider buying flood insurance.
How to save on Missouri home insurance
The best way to get cheap home insurance in Missouri is to shop around and compare rates. Each company charges its own rates, so shopping around lets you find the coverage you need at the lowest price. You may also be able to save by bundling your policies, increasing your deductible and maintaining your home.
Are home insurance rates going up in Missouri?
Home insurance prices are up about 45% in Missouri over the last five years.
The biggest change was in 2024, when rates jumped by nearly 18%. In the last year, though, rates have been steadier, with just a 3.77% increase.
Home insurance rate increases in Missouri between 2021 and 2025
Liberty Mutual had the largest rate hike in the last five years. A Liberty Mutual policy costs 82% more today than it did five years ago.
Allstate raised rates the least, but its policies still cost about 23% more than they did in 2021.
Frequently asked questions
What is the average cost of homeowners insurance in Missouri?
Home insurance in Missouri costs $2,641 per year, on average, for a policy with $350,000 in dwelling coverage. Your rates will change depending on the company you pick, your age, your home's details and whether or not you have filed any home insurance claims.
Is homeowners insurance required in Missouri?
Missouri state law doesn't require home insurance. But if you have a mortgage, you'll need to have a home insurance policy. Even if your home is paid off, you should probably keep your home insurance policy, unless you can afford to rebuild your home and replace your belongings if they're destroyed.
Why is homeowners insurance so expensive in Missouri?
Because of Missouri's severe weather risk, homes in the state may be more likely to be damaged than homes in other areas. Because insurance companies know they're more likely to have to pay for home damage, they charge higher rates. That way, the companies have enough money to pay for claims when they happen.
Methodology
To find the best and cheapest home insurance in Missouri, ValuePenguin's experts got home insurance quotes from eight of the top insurance companies and from every residential ZIP code. The quotes are for a 45-year-old married man with no claims as a homeowner. The quotes are for a 1,848 square foot home built 47 years ago, which is similar to the average home in Missouri. New home data is for a home built in 2025.
Our experts used the following coverage limits to get average rates for a variety of home values:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
This data comes from Quadrant Information Services, which in turn gets its data from publicly available insurance company filings. Prices vary based on many underlying factors, and your quotes will likely be different.
ValuePenguin's ratings for Missouri home insurance companies use average costs, coverage options, discounts, customer complaint numbers from the National Association of Insurance Commissioners (NAIC) and scores from J.D. Power's home insurance customer satisfaction survey.
Sources:
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
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.
