Best Missouri Homeowners Insurance for 2026
State Farm has the best overall home insurance, but Farmers’ discounts also make it worth a look.
Advertising Disclosures
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- State Farm is the best homeowners insurance company in Missouri for most people, offering low rates and flexible coverages.
- On average, Missourians pay $2,936 per year for home insurance coverage.
- Although state residents have seen sizable increases in home policy premiums over the last five years, rates have increased considerably less than in several neighboring states, like Nebraska and Iowa.
Best homeowners insurance companies in Missouri
Low rates and a good range of coverage options make State Farm our top choice for home insurance for most Missouri homeowners.
Farmers has higher-than-average rates, but it offers the most discounts that can help lower the cost. Shelter has great coverage options, while military members may want to check out USAA. It offers military-centric benefits including uniform and equipment coverage along with a useful list of add-ons.
Best overall homeowners insurance in Missouri: State Farm
Average annual rate: $2,092
Why we chose it: State Farm offers a combination of low average rates and an array of coverage options that should satisfy the needs of most Missouri homeowners.
Who it’s best for: Homeowners looking for some of the most affordable rates in the state without losing the ability to customize their policy to suit their needs.
PROS
- Low average premiums
- Good amount of coverage options to choose from
CONS
- Somewhat limited discount opportunities
-
No guaranteed replacement cost
Guaranteed replacement cost pays to repair or rebuild your home, even if the cost of doing so is greater than your coverage limit.
Best for discounts: Farmers
Average annual rate: $3,703
Why we chose it: Though Farmers’ policy rates are higher than average, the company offers more discounts than the other top insurers in the state, giving Missouri homeowners the chance to potentially lower their premium to a more competitive level. Plus, the company gets 30% fewer customer complaints than other companies its size, according to the National Association of Insurance Commissioners (NAIC)
Who it’s best for: Homeowners who qualify for many discounts but don’t mind paying a bit more for good customer service.
PROS
- Tons of discount opportunities offered
- Solid customer service
CONS
- Higher-than-average annual rates
- No personal injury coverage
Best for coverage options: Shelter
Average annual rate: $3,178
Why we chose it: Compared to other top insurers in Missouri, Shelter’s homeowners insurance is extremely customizable, offering the chance to choose from many coverage options. For example, you can get personal injury coverage, which isn’t available from the other insurers we reviewed in the state.
Who it’s best for: Homeowners with very specific coverage needs that other policies may not meet.
PROS
- Lots of coverage options available
- Excellent customer service ratings
CONS
- Slightly higher-than-average rates
- Fewer discount options
Best for military families: USAA
Average annual rate: $1,535
Why we chose it: USAA has the cheapest average annual rates in the state. It also has great customer service, and since it’s primarily available to current and former military members, it offers banking and other perks specifically designed with the military community in mind. USAA also offers a range of extras including electronics coverage, which gives your devices more protection than standard home insurance.
Who it’s best for: Former and current military members looking to save on their home insurance premiums. If you’re on active duty, USAA also covers personally owned military gear with no deductible.
PROS
- Lowest average rates in the state
- Access to USAA membership perks and products
- Excellent customer service
CONS
- Few extra discounts offered
- Membership in USAA is required
Compare home insurance rates and ratings in Missouri
| Company | Annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
 | AAA | $1,900 |  2/5 | 2 |
| State Farm | $2,092 | 4/5 | 1.4 |
 | Allstate | $3,154 | 4/5 | 1.2 |
 | Nationwide | $3,160 | 3.5/5 | 1.2 |
| Shelter | $3,178 | 4.5/5 | 0.4 |
| Farmers | $3,703 | 3.5/5 | 0.7 |
 | American Family | $4,765 | 4/5 | 0.4 |
| USAA* | $1,535 | 4/5 | 0.5 |
In Missouri, rates can vary significantly between insurers — comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed home insurance quotes from every Missouri ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in Missouri?
The average cost of home insurance in Missouri is $2,936 per year, or $245 per month.
That is about 12% higher than the national average of $2,628 for $400,000 in coverage.
Despite being higher than the national average, Missouri’s average cost for home insurance still trails behind its neighbors Nebraska ($5,519), Iowa ($3,492) and Kansas ($4,595).
Average home insurance rates by dwelling coverage amount
The amount of dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| State Farm | $1,781 | $2,092 | $2,494 | $2,970 |
| Shelter | $2,518 | $3,178 | $4,168 | $5,483 |
| Farmers | $2,611 | $3,703 | $5,634 | $8,213 |
| USAA* | $1,292 | $1,535 | $1,884 | $2,327 |
| State average | $2,370 | $2,936 | $3,812 | $4,947 |
Missouri home insurance rates by city
For homeowners in the Show-Me State, the area that you live in can have a huge impact on how much you pay for a policy. In fact, all three of the cheapest cities for homeowners insurance in Missouri (Fenton, Green Park and Lakeshire) are located just southwest of St. Louis, with average costs ranging from $2,369 to $2,384 per year.
Meanwhile, the three most expensive cities (Craig, Rock Port and Maitland) are clustered along the northwest edge of the state, not far from the Missouri River. Rock Port and Craig have faced severe flooding in the past several years, while Maitland experiences severe storms and occasional tornadoes. There, homeowners pay an average of $3,411 to $3,455 annually.
| City | Average rate |
|---|---|
| Adrian | $3,338 |
| Advance | $2,817 |
| Affton | $2,401 |
| Agency | $3,337 |
| Airport Drive | $3,294 |
| Alba | $3,215 |
| Albany | $3,232 |
| Aldrich | $3,124 |
| Alexandria | $2,841 |
| Allendale | $3,238 |
| Alma | $3,109 |
| Altamont | $3,210 |
| Altenburg | $2,899 |
| Alton | $2,899 |
| Amazonia | $3,347 |
| Amity | $3,325 |
| Amoret | $3,322 |
| Amsterdam | $3,393 |
| Anabel | $2,920 |
| Anderson | $3,372 |
| Annada | $2,819 |
| Annapolis | $2,954 |
| Anniston | $2,831 |
| Appleton City | $3,139 |
| Arbela | $2,829 |
| Arbyrd | $2,867 |
| Arcadia | $2,882 |
| Archie | $3,316 |
| Arcola | $3,107 |
| Argyle | $2,821 |
| Armstrong | $3,004 |
| Arnold | $2,527 |
| Arrow Rock | $3,036 |
| Asbury | $3,276 |
| Ash Grove | $3,163 |
| Ashburn | $2,809 |
| Ashland | $2,824 |
| Atlanta | $2,889 |
| Augusta | $2,705 |
| Aurora | $3,124 |
| Auxvasse | $2,876 |
| Ava | $2,974 |
| Avilla | $3,146 |
| Bakersfield | $2,909 |
| Ballwin | $2,445 |
| Baring | $2,892 |
| Barnard | $3,300 |
| Barnett | $2,933 |
| Barnhart | $2,642 |
| Bates City | $3,116 |
| Battlefield | $2,958 |
| Beaufort | $2,731 |
| Bel-Nor | $3,013 |
| Bel-Ridge | $2,934 |
| Belgrade | $2,875 |
| Bell City | $2,862 |
| Bella Villa | $2,394 |
| Belle | $2,844 |
| Bellefontaine Neighbors | $3,028 |
| Bellerive | $3,018 |
| Belleview | $2,903 |
| Bellflower | $2,838 |
| Belton | $3,175 |
| Benton | $2,855 |
| Benton City | $2,872 |
| Berger | $2,720 |
| Berkeley | $3,005 |
| Bernie | $2,840 |
| Bertrand | $2,836 |
| Bethany | $3,080 |
| Bethel | $2,908 |
| Beulah | $2,764 |
| Beverly Hills | $3,005 |
| Bevier | $2,904 |
| Billings | $3,142 |
| Birch Tree | $2,785 |
| Bismarck | $2,747 |
| Bixby | $2,956 |
| Black | $2,920 |
| Black Jack | $2,516 |
| Blackburn | $3,044 |
| Blackwater | $2,914 |
| Blackwell | $2,738 |
| Blairstown | $3,095 |
| Bland | $2,776 |
| Blodgett | $2,834 |
| Bloomfield | $2,864 |
| Bloomsdale | $2,713 |
| Blue Eye | $3,052 |
| Blue Springs | $3,146 |
| Blythedale | $3,067 |
| Bogard | $3,125 |
| Bois D Arc | $3,117 |
| Bolckow | $3,293 |
| Bolivar | $3,096 |
| Bonne Terre | $2,722 |
| Bonnots Mill | $2,846 |
| Boonville | $2,827 |
| Boss | $2,790 |
| Bosworth | $3,090 |
| Bourbon | $2,750 |
| Bowling Green | $2,814 |
| Bradleyville | $2,999 |
| Bragg City | $2,880 |
| Brandsville | $2,991 |
| Branson | $2,964 |
| Branson West | $3,034 |
| Brashear | $2,907 |
| Braymer | $3,161 |
| Brazeau | $2,888 |
| Breckenridge | $3,184 |
| Breckenridge Hills | $2,582 |
| Brentwood | $2,434 |
| Briar | $2,937 |
| Bridgeton | $2,519 |
| Brighton | $3,037 |
| Brinktown | $2,863 |
| Brixey | $2,921 |
| Bronaugh | $3,320 |
| Brookfield | $3,025 |
| Brookline | $2,946 |
| Broseley | $2,884 |
| Browning | $3,100 |
| Brownwood | $2,819 |
| Brumley | $2,939 |
| Bruner | $3,054 |
| Brunswick | $3,021 |
| Bucklin | $3,036 |
| Buckner | $3,196 |
| Bucyrus | $2,911 |
| Buffalo | $3,057 |
| Bunceton | $2,929 |
| Bunker | $3,004 |
| Burfordville | $2,886 |
| Burlington Junction | $3,281 |
| Butler | $3,195 |
| Byrnes Mill | $2,650 |
| Cabool | $2,893 |
| Cadet | $2,753 |
| Cainsville | $3,055 |
| Cairo | $2,880 |
| Caledonia | $2,848 |
| Calhoun | $3,088 |
| California | $2,843 |
| Callao | $2,940 |
| Calverton Park | $2,997 |
| Camden | $3,211 |
| Camden Point | $3,326 |
| Camdenton | $2,851 |
| Cameron | $3,157 |
| Campbell | $2,858 |
| Canalou | $2,848 |
| Canton | $2,794 |
| Cape Fair | $3,150 |
| Cape Girardeau | $2,752 |
| Caplinger Mills | $3,139 |
| Cardwell | $2,847 |
| Carl Junction | $3,282 |
| Carrollton | $3,000 |
| Carterville | $3,268 |
| Carthage | $3,122 |
| Caruthersville | $2,850 |
| Carytown | $3,183 |
| Cascade | $2,942 |
| Cassville | $3,128 |
| Castle Point | $3,031 |
| Catawissa | $2,722 |
| Catron | $2,858 |
| Caulfield | $2,947 |
| Cedar Hill | $2,685 |
| Cedar Hill Lakes | $2,684 |
| Cedarcreek | $2,975 |
| Center | $2,854 |
| Centertown | $2,935 |
| Centerview | $3,178 |
| Centerville | $2,971 |
| Centralia | $2,829 |
| Chadwick | $3,087 |
| Chaffee | $2,848 |
| Chamois | $2,855 |
| Charlack | $2,578 |
| Charleston | $2,830 |
| Cherryville | $2,795 |
| Chesterfield | $2,460 |
| Chestnutridge | $3,065 |
| Chilhowee | $3,196 |
| Chillicothe | $2,977 |
| Chula | $3,059 |
| Clarence | $2,887 |
| Clark | $2,921 |
| Clarksburg | $2,936 |
| Clarksdale | $3,341 |
| Clarkson Valley | $2,443 |
| Clarksville | $2,796 |
| Clarkton | $2,865 |
| Claycomo | $3,342 |
| Clayton | $2,507 |
| Clearmont | $3,337 |
| Cleveland | $3,346 |
| Clever | $3,128 |
| Clifton Hill | $2,936 |
| Climax Springs | $2,890 |
| Clinton | $3,003 |
| Clubb | $2,929 |
| Clyde | $3,330 |
| Coatsville | $2,940 |
| Coffey | $3,131 |
| Cole Camp | $2,967 |
| Collins | $3,117 |
| Columbia | $2,767 |
| Commerce | $2,849 |
| Conception | $3,318 |
| Conception Junction | $3,362 |
| Concord | $2,394 |
| Concordia | $3,036 |
| Conway | $2,951 |
| Cook Sta | $2,795 |
| Cool Valley | $2,978 |
| Cooter | $2,875 |
| Corder | $3,120 |
| Cosby | $3,325 |
| Cottleville | $2,543 |
| Couch | $2,929 |
| Country Club | $3,210 |
| Country Club Hills | $3,010 |
| Cowgill | $3,175 |
| Craig | $3,455 |
| Crane | $3,043 |
| Creighton | $3,187 |
| Crestwood | $2,413 |
| Creve Coeur | $2,458 |
| Crocker | $2,889 |
| Cross Timbers | $3,079 |
| Crystal City | $2,605 |
| Crystal Lakes | $3,251 |
| Cuba | $2,712 |
| Curryville | $2,827 |
| Dadeville | $3,147 |
| Daisy | $2,888 |
| Dalton | $3,003 |
| Dardenne Prairie | $2,476 |
| Darlington | $3,273 |
| Davisville | $2,833 |
| Dawn | $3,076 |
| De Kalb | $3,382 |
| De Soto | $2,690 |
| De Witt | $3,023 |
| Dearborn | $3,391 |
| Deepwater | $3,113 |
| Deerfield | $3,243 |
| Deering | $2,839 |
| Defiance | $2,665 |
| Dellwood | $3,032 |
| Delta | $2,881 |
| Denver | $3,235 |
| Des Arc | $2,893 |
| Des Peres | $2,450 |
| Desloge | $2,743 |
| Devils Elbow | $2,772 |
| Dexter | $2,817 |
| Diamond | $3,262 |
| Dittmer | $2,730 |
| Dixon | $2,829 |
| Doe Run | $2,746 |
| Doniphan | $2,901 |
| Dora | $2,970 |
| Dover | $3,091 |
| Downing | $2,878 |
| Drexel | $3,341 |
| Drury | $2,914 |
| Dudley | $2,898 |
| Duenweg | $3,287 |
| Duke | $2,773 |
| Dunnegan | $3,142 |
| Duquesne | $3,295 |
| Durham | $2,879 |
| Dutchtown | $2,880 |
| Dutzow | $2,692 |
| Eagle Rock | $3,141 |
| Eagleville | $3,116 |
| Earth City | $2,596 |
| East Lynne | $3,298 |
| East Prairie | $2,812 |
| Easton | $3,334 |
| Edgar Springs | $2,837 |
| Edgerton | $3,363 |
| Edina | $2,881 |
| Edmundson | $2,992 |
| Edwards | $2,907 |
| El Dorado Springs | $3,106 |
| Eldon | $2,883 |
| Eldridge | $2,830 |
| Elk Creek | $2,825 |
| Elkland | $3,068 |
| Ellington | $2,947 |
| Ellisville | $2,444 |
| Ellsinore | $2,956 |
| Elmer | $2,912 |
| Elmo | $3,284 |
| Elsberry | $2,778 |
| Emden | $2,866 |
| Eminence | $2,784 |
| Emma | $2,953 |
| Eolia | $2,821 |
| Essex | $2,890 |
| Ethel | $2,911 |
| Eugene | $2,910 |
| Eunice | $2,900 |
| Eureka | $2,472 |
| Everton | $3,137 |
| Ewing | $2,837 |
| Excello | $2,911 |
| Excelsior Springs | $3,209 |
| Exeter | $3,199 |
| Fagus | $2,870 |
| Fair Grove | $3,043 |
| Fair Play | $3,228 |
| Fairdealing | $2,949 |
| Fairfax | $3,403 |
| Fairview | $3,151 |
| Falcon | $2,762 |
| Farber | $2,847 |
| Farley | $3,259 |
| Farmington | $2,627 |
| Farrar | $2,877 |
| Faucett | $3,364 |
| Fayette | $2,960 |
| Fenton | $2,369 |
| Ferguson | $3,029 |
| Ferrelview | $3,386 |
| Festus | $2,631 |
| Fillmore | $3,388 |
| Fisk | $2,876 |
| Flemington | $3,139 |
| Fletcher | $2,817 |
| Flinthill | $2,632 |
| Flordell Hills | $3,004 |
| Florence | $2,922 |
| Florissant | $2,517 |
| Foley | $2,764 |
| Fordland | $3,047 |
| Forest City | $3,352 |
| Foristell | $2,587 |
| Forsyth | $3,000 |
| Fort Leonard Wood | $2,775 |
| Fortuna | $2,912 |
| Foster | $3,305 |
| Frankford | $2,823 |
| Franklin | $2,990 |
| Fredericktown | $2,904 |
| Freeburg | $2,857 |
| Freeman | $3,332 |
| Freistatt | $3,122 |
| Fremont | $2,910 |
| Fremont Hills | $2,950 |
| French Village | $2,743 |
| Friedheim | $2,888 |
| Frohna | $2,897 |
| Frontenac | $2,442 |
| Fulton | $2,790 |
| Gainesville | $2,966 |
| Galena | $3,069 |
| Gallatin | $3,179 |
| Galt | $3,128 |
| Garden City | $3,194 |
| Garrison | $2,993 |
| Gatewood | $2,955 |
| Gentry | $3,274 |
| Gerald | $2,678 |
| Gibbs | $2,901 |
| Gibson | $2,826 |
| Gideon | $2,862 |
| Gilliam | $3,010 |
| Gilman City | $3,094 |
| Gipsy | $2,943 |
| Gladstone | $3,309 |
| Glasgow | $2,995 |
| Glasgow Village | $3,019 |
| Glen Echo Park | $3,026 |
| Glenallen | $2,945 |
| Glencoe | $2,480 |
| Glendale | $2,440 |
| Glenwood | $2,920 |
| Gobler | $2,868 |
| Golden | $3,176 |
| Golden City | $3,186 |
| Goodman | $3,307 |
| Gordonville | $2,849 |
| Gorin | $2,849 |
| Gower | $3,332 |
| Graff | $2,931 |
| Graham | $3,318 |
| Grain Valley | $3,130 |
| Granby | $3,245 |
| Grandin | $2,990 |
| Grandview | $3,319 |
| Granger | $2,795 |
| Grant City | $3,286 |
| Grantwood Village | $2,410 |
| Gravois Mills | $2,871 |
| Gray Summit | $2,628 |
| Grayridge | $2,865 |
| Green Castle | $3,039 |
| Green City | $3,027 |
| Green Park | $2,383 |
| Green Ridge | $3,070 |
| Greenfield | $3,119 |
| Greentop | $2,884 |
| Greenville | $2,975 |
| Greenwood | $3,152 |
| Grovespring | $2,992 |
| Grubville | $2,744 |
| Guilford | $3,315 |
| Hale | $3,082 |
| Half Way | $3,037 |
| Hallsville | $2,886 |
| Halltown | $3,169 |
| Hamilton | $3,175 |
| Hanley Hills | $2,766 |
| Hannibal | $2,690 |
| Hardenville | $2,940 |
| Hardin | $3,196 |
| Harris | $3,127 |
| Harrisburg | $2,912 |
| Harrisonville | $3,261 |
| Hartsburg | $2,804 |
| Hartshorn | $2,883 |
| Hartville | $2,988 |
| Harviell | $2,893 |
| Harwood | $3,170 |
| Hatfield | $3,168 |
| Hawk Point | $2,754 |
| Hayti | $2,856 |
| Hazelwood | $2,562 |
| Helena | $3,290 |
| Hematite | $2,590 |
| Henley | $2,917 |
| Henrietta | $3,248 |
| Herculaneum | $2,642 |
| Hermann | $2,753 |
| Hermitage | $3,043 |
| Higbee | $2,918 |
| Higginsville | $3,098 |
| High Hill | $2,828 |
| High Point | $2,864 |
| High Ridge | $2,470 |
| Highlandville | $3,076 |
| Hillsboro | $2,691 |
| Hillsdale | $2,993 |
| Holcomb | $2,869 |
| Holden | $3,101 |
| Holliday | $2,896 |
| Hollister | $2,996 |
| Holt | $3,260 |
| Holts Summit | $2,762 |
| Hopkins | $3,348 |
| Hornersville | $2,858 |
| House Springs | $2,672 |
| Houston | $2,869 |
| Houstonia | $3,002 |
| Huggins | $2,857 |
| Hughesville | $3,058 |
| Humansville | $3,188 |
| Hume | $3,269 |
| Humphreys | $3,069 |
| Hunnewell | $2,842 |
| Huntleigh | $2,443 |
| Huntsville | $2,885 |
| Hurdland | $2,897 |
| Iberia | $2,941 |
| Imperial | $2,600 |
| Independence | $3,256 |
| Innsbrook | $2,656 |
| Ionia | $2,952 |
| Iron Mountain Lake | $2,740 |
| Irondale | $2,715 |
| Ironton | $2,837 |
| Isabella | $2,919 |
| Jackson | $2,800 |
| Jacksonville | $2,925 |
| Jadwin | $2,796 |
| Jameson | $3,145 |
| Jamesport | $3,096 |
| Jamestown | $2,911 |
| Jasper | $3,227 |
| Jefferson City | $2,713 |
| Jennings | $3,020 |
| Jerico Springs | $3,147 |
| Jerome | $2,767 |
| Jonesburg | $2,865 |
| Joplin | $3,305 |
| Josephville | $2,572 |
| Kahoka | $2,786 |
| Kaiser | $2,897 |
| Kansas City | $3,362 |
| Kearney | $3,189 |
| Kennett | $2,838 |
| Kewanee | $2,837 |
| Keytesville | $2,975 |
| Kidder | $3,201 |
| Kimberling City | $3,044 |
| Kimmswick | $2,807 |
| King City | $3,301 |
| Kingdom City | $2,846 |
| Kingston | $3,207 |
| Kingsville | $3,258 |
| Kirbyville | $2,994 |
| Kirksville | $2,812 |
| Kirkwood | $2,439 |
| Kissee Mills | $2,994 |
| Knob Lick | $2,844 |
| Knob Noster | $3,123 |
| Knox City | $2,927 |
| Koeltztown | $2,826 |
| Koshkonong | $2,925 |
| La Belle | $2,889 |
| La Grange | $2,771 |
| La Monte | $3,058 |
| La Plata | $2,890 |
| La Russell | $3,185 |
| Labadie | $2,662 |
| LaBarque Creek | $2,672 |
| Laclede | $3,044 |
| Laddonia | $2,856 |
| Ladue | $2,431 |
| Lake Lotawana | $3,128 |
| Lake Ozark | $2,876 |
| Lake Spring | $2,709 |
| Lake St. Louis | $2,562 |
| Lake Tapawingo | $3,201 |
| Lake Waukomis | $3,302 |
| Lake Winnebago | $3,127 |
| Lakeshire | $2,384 |
| Lamar | $3,120 |
| Lampe | $3,024 |
| Lanagan | $3,335 |
| Lancaster | $2,896 |
| Laquey | $2,853 |
| Laredo | $3,094 |
| Latham | $2,919 |
| Lathrop | $3,289 |
| Laurie | $3,008 |
| Lawson | $3,215 |
| Lead Hill | $2,896 |
| Leadwood | $2,731 |
| Leasburg | $2,758 |
| Leawood | $3,331 |
| Lebanon | $2,713 |
| Lee’s Summit | $3,125 |
| Leeton | $3,153 |
| Lemay | $2,392 |
| Lenox | $2,777 |
| Lentner | $2,867 |
| Leonard | $2,946 |
| Leopold | $2,939 |
| Leslie | $2,666 |
| Lesterville | $2,932 |
| Levasy | $3,198 |
| Lewistown | $2,868 |
| Lexington | $3,055 |
| Liberal | $3,299 |
| Liberty | $3,311 |
| Licking | $2,803 |
| Liguori | $2,861 |
| Lilbourn | $2,843 |
| Lincoln | $2,927 |
| Linn | $2,825 |
| Linn Creek | $2,861 |
| Linneus | $3,051 |
| Livonia | $3,033 |
| Loch Lloyd | $3,218 |
| Lock Springs | $3,119 |
| Lockwood | $3,159 |
| Lodi | $2,927 |
| Lohman | $2,833 |
| Lone Jack | $3,140 |
| Lonedell | $2,716 |
| Long Lane | $3,047 |
| Loose Creek | $2,817 |
| Louisburg | $3,085 |
| Louisiana | $2,766 |
| Lowndes | $2,978 |
| Lowry City | $3,114 |
| Lucerne | $3,022 |
| Ludlow | $3,091 |
| Luebbering | $2,718 |
| Luray | $2,794 |
| Lynchburg | $2,788 |
| Macks Creek | $2,967 |
| Macomb | $2,991 |
| Macon | $2,832 |
| Madison | $2,892 |
| Maitland | $3,411 |
| Malden | $2,801 |
| Malta Bend | $3,034 |
| Manchester | $2,443 |
| Mansfield | $2,962 |
| Mapaville | $2,764 |
| Maplewood | $2,466 |
| Marble Hill | $2,918 |
| Marceline | $3,036 |
| Marionville | $3,197 |
| Marlborough | $2,392 |
| Marquand | $2,996 |
| Marshall | $2,951 |
| Marshfield | $2,985 |
| Marston | $2,843 |
| Marthasville | $2,712 |
| Martinsburg | $2,879 |
| Martinsville | $3,153 |
| Maryland Heights | $2,513 |
| Maryville | $3,213 |
| Matthews | $2,863 |
| Maysville | $3,317 |
| Mayview | $3,124 |
| Maywood | $2,868 |
| Mc Bride | $2,625 |
| Mc Fall | $3,273 |
| Mc Gee | $2,952 |
| Mc Girk | $2,934 |
| Meadville | $3,056 |
| Mehlville | $2,401 |
| Memphis | $2,854 |
| Mendon | $3,061 |
| Mercer | $3,043 |
| Merriam Woods | $2,990 |
| Meta | $2,829 |
| Mexico | $2,792 |
| Miami | $2,988 |
| Middle Brook | $2,834 |
| Middletown | $2,866 |
| Milan | $3,008 |
| Milford | $3,282 |
| Mill Spring | $2,978 |
| Miller | $3,225 |
| Millersville | $2,857 |
| Milo | $3,174 |
| Mindenmines | $3,285 |
| Miner | $2,818 |
| Mineral Point | $2,728 |
| Missouri City | $3,132 |
| Moberly | $2,830 |
| Mokane | $2,884 |
| Moline Acres | $3,029 |
| Monett | $3,177 |
| Monroe City | $2,832 |
| Montgomery City | $2,774 |
| Monticello | $2,847 |
| Montier | $2,870 |
| Montreal | $2,895 |
| Montrose | $3,132 |
| Moody | $2,937 |
| Mooresville | $3,078 |
| Mora | $3,005 |
| Morehouse | $2,870 |
| Morrison | $2,782 |
| Morrisville | $3,092 |
| Morse Mill | $2,764 |
| Mosby | $3,132 |
| Moscow Mills | $2,685 |
| Mound City | $3,407 |
| Moundville | $3,306 |
| Mount Sterling | $2,836 |
| Mount Vernon | $3,224 |
| Mountain Grove | $2,898 |
| Mountain View | $2,894 |
| Murphy | $2,414 |
| Myrtle | $2,905 |
| Napoleon | $3,094 |
| Naylor | $2,945 |
| Neck City | $3,164 |
| Neelyville | $2,907 |
| Nelson | $3,014 |
| Neosho | $3,195 |
| Nevada | $3,221 |
| New Bloomfield | $2,806 |
| New Boston | $3,054 |
| New Cambria | $2,933 |
| New Florence | $2,813 |
| New Franklin | $2,813 |
| New Hampton | $3,177 |
| New Haven | $2,717 |
| New London | $2,813 |
| New Madrid | $2,815 |
| New Melle | $2,750 |
| Newark | $2,914 |
| Newburg | $2,750 |
| Newtown | $3,087 |
| Niangua | $3,010 |
| Nixa | $2,972 |
| Noble | $2,857 |
| Noel | $3,341 |
| Norborne | $3,097 |
| Normandy | $2,993 |
| North Kansas City | $3,311 |
| Northwoods | $3,042 |
| Norwood | $2,969 |
| Norwood Court | $2,992 |
| Novelty | $2,924 |
| Novinger | $2,959 |
| O Fallon | $2,509 |
| O’Fallon | $2,507 |
| Oak Grove | $3,156 |
| Oak Grove Village | $2,616 |
| Oak Ridge | $2,893 |
| Oakland | $2,421 |
| Oakville | $2,422 |
| Odessa | $3,081 |
| Old Appleton | $2,907 |
| Old Jamestown | $2,539 |
| Old Monroe | $2,693 |
| Oldfield | $2,964 |
| Olean | $2,869 |
| Olivette | $2,537 |
| Olney | $2,810 |
| Oran | $2,857 |
| Oregon | $3,399 |
| Oronogo | $3,286 |
| Orrick | $3,263 |
| Osage Beach | $2,857 |
| Osborn | $3,319 |
| Osceola | $3,131 |
| Otterville | $2,921 |
| Overland | $2,575 |
| Owensville | $2,721 |
| Oxly | $2,946 |
| Ozark | $2,982 |
| Pacific | $2,600 |
| Pagedale | $2,975 |
| Palmyra | $2,803 |
| Paris | $2,875 |
| Park Hills | $2,744 |
| Parkville | $3,336 |
| Parkway | $2,609 |
| Parma | $2,850 |
| Parnell | $3,314 |
| Pasadena Park | $2,985 |
| Patterson | $2,928 |
| Patton | $2,962 |
| Pattonsburg | $3,302 |
| Peace Valley | $2,896 |
| Peculiar | $3,224 |
| Perkins | $2,865 |
| Perry | $2,879 |
| Perryville | $2,590 |
| Pevely | $2,645 |
| Philadelphia | $2,864 |
| Phillipsburg | $2,876 |
| Pickering | $3,351 |
| Piedmont | $2,912 |
| Pierce City | $3,230 |
| Pilot Grove | $2,931 |
| Pilot Knob | $2,837 |
| Pine Lawn | $3,010 |
| Pineville | $3,369 |
| Pittsburg | $3,053 |
| Plato | $2,851 |
| Platte City | $3,277 |
| Plattsburg | $3,306 |
| Pleasant Hill | $3,218 |
| Pleasant Hope | $3,051 |
| Pleasant Valley | $3,276 |
| Plevna | $2,931 |
| Pocahontas | $2,856 |
| Point Lookout | $2,955 |
| Polk | $2,999 |
| Pollock | $3,060 |
| Polo | $3,201 |
| Pomona | $2,898 |
| Ponce De Leon | $3,029 |
| Pontiac | $2,894 |
| Poplar Bluff | $2,740 |
| Portage Des Sioux | $2,702 |
| Portageville | $2,838 |
| Portland | $2,841 |
| Potosi | $2,745 |
| Pottersville | $2,936 |
| Powell | $3,229 |
| Powersite | $2,984 |
| Powersville | $3,016 |
| Prairie Home | $2,918 |
| Preston | $3,104 |
| Princeton | $3,083 |
| Protem | $3,074 |
| Purcell | $3,140 |
| Purdin | $3,080 |
| Purdy | $3,227 |
| Puxico | $2,895 |
| Queen City | $2,891 |
| Quincy | $3,045 |
| Qulin | $2,934 |
| Racine | $3,165 |
| Ravenwood | $3,361 |
| Raymondville | $2,826 |
| Raymore | $3,117 |
| Raytown | $3,326 |
| Rayville | $3,183 |
| Rea | $3,369 |
| Redford | $2,934 |
| Redings Mill | $3,340 |
| Reeds | $3,213 |
| Reeds Spring | $3,031 |
| Renick | $2,873 |
| Republic | $3,039 |
| Revere | $2,813 |
| Reynolds | $2,934 |
| Rhineland | $2,800 |
| Rich Hill | $3,223 |
| Richards | $3,251 |
| Richland | $2,858 |
| Richmond | $3,251 |
| Richmond Heights | $2,829 |
| Richwoods | $2,773 |
| Ridgedale | $3,004 |
| Ridgeway | $3,115 |
| Risco | $2,799 |
| Riverside | $3,319 |
| Riverview | $3,023 |
| Rives | $2,811 |
| Roach | $2,884 |
| Robertsville | $2,710 |
| Roby | $2,797 |
| Rocheport | $2,890 |
| Rock Hill | $2,422 |
| Rock Port | $3,424 |
| Rockaway Beach | $2,990 |
| Rockbridge | $2,885 |
| Rockville | $3,215 |
| Rocky Comfort | $3,271 |
| Rocky Mount | $2,881 |
| Rogersville | $3,000 |
| Rolla | $2,706 |
| Rombauer | $2,899 |
| Rosebud | $2,752 |
| Rosendale | $3,333 |
| Rothville | $3,059 |
| Rueter | $3,021 |
| Rush Hill | $2,866 |
| Rushville | $3,372 |
| Russellville | $2,869 |
| Rutledge | $2,880 |
| Saginaw | $3,216 |
| Salem | $2,746 |
| Salisbury | $2,869 |
| Santa Fe | $2,894 |
| Sappington | $2,406 |
| Sarcoxie | $3,217 |
| Savannah | $3,319 |
| Schell City | $3,139 |
| Scott City | $2,802 |
| Sedalia | $2,969 |
| Sedgewickville | $2,914 |
| Seligman | $3,184 |
| Senath | $2,865 |
| Seneca | $3,357 |
| Seymour | $3,030 |
| Shelbina | $2,813 |
| Shelbyville | $2,880 |
| Sheldon | $3,226 |
| Shell Knob | $3,140 |
| Sheridan | $3,326 |
| Shrewsbury | $2,425 |
| Sibley | $3,228 |
| Sikeston | $2,818 |
| Silex | $2,807 |
| Silva | $2,953 |
| Silver Creek | $3,333 |
| Skidmore | $3,347 |
| Slater | $2,962 |
| Smithton | $3,000 |
| Smithville | $3,227 |
| Solo | $2,799 |
| South Greenfield | $3,162 |
| South West City | $3,356 |
| Spanish Lake | $2,623 |
| Sparta | $3,057 |
| Spickard | $3,128 |
| Spokane | $3,106 |
| Springfield | $2,956 |
| Squires | $2,938 |
| St. Albans | $2,714 |
| St. Ann | $2,583 |
| St. Charles | $2,549 |
| St. Clair | $2,643 |
| St. Elizabeth | $2,919 |
| St. George | $2,411 |
| St. James | $2,715 |
| St. John | $2,586 |
| St. Joseph | $3,267 |
| St. Louis | $2,778 |
| St. Martins | $2,736 |
| St. Mary | $2,699 |
| St. Patrick | $2,813 |
| St. Peters | $2,538 |
| St. Robert | $2,765 |
| St. Thomas | $2,850 |
| Stanberry | $3,324 |
| Stanton | $2,702 |
| Stark City | $3,227 |
| Ste. Genevieve | $2,628 |
| Steedman | $2,899 |
| Steele | $2,887 |
| Steelville | $2,783 |
| Stella | $3,358 |
| Stet | $3,069 |
| Stewartsville | $3,318 |
| Stockton | $3,116 |
| Stotts City | $3,243 |
| Stoutland | $2,898 |
| Stoutsville | $2,881 |
| Stover | $2,908 |
| Strafford | $3,062 |
| Strasburg | $3,190 |
| Sturdivant | $2,908 |
| Sturgeon | $2,923 |
| Success | $2,822 |
| Sugar Creek | $3,334 |
| Sullivan | $2,667 |
| Summersville | $2,939 |
| Sumner | $3,021 |
| Sunrise Beach | $2,853 |
| Sunset Hills | $2,417 |
| Sweet Springs | $2,992 |
| Sycamore Hills | $2,588 |
| Syracuse | $2,950 |
| Tallapoosa | $2,801 |
| Taneyville | $2,996 |
| Taos | $2,738 |
| Tarkio | $3,365 |
| Taylor | $2,821 |
| Tebbetts | $2,853 |
| Tecumseh | $2,974 |
| Terre du Lac | $2,714 |
| Thayer | $2,882 |
| Theodosia | $2,943 |
| Thompson | $2,872 |
| Thornfield | $2,969 |
| Tiff | $2,861 |
| Tiff City | $3,307 |
| Tina | $3,097 |
| Tipton | $2,882 |
| Town and Country | $2,457 |
| Treloar | $2,770 |
| Trenton | $2,994 |
| Trimble | $3,303 |
| Triplett | $3,007 |
| Troy | $2,683 |
| Truesdale | $2,698 |
| Truxton | $2,815 |
| Tunas | $3,011 |
| Turners | $3,141 |
| Turney | $3,271 |
| Tuscumbia | $2,931 |
| Udall | $2,932 |
| Ulman | $2,918 |
| Union | $2,578 |
| Union Star | $3,345 |
| Uniontown | $2,899 |
| Unionville | $3,028 |
| University City | $2,537 |
| Urbana | $3,117 |
| Urich | $3,125 |
| Utica | $3,040 |
| Valles Mines | $2,760 |
| Valley Park | $2,432 |
| Van Buren | $2,951 |
| Vandalia | $2,755 |
| Vanduser | $2,823 |
| Vanzant | $3,000 |
| Velda City | $3,007 |
| Velda Village Hills | $3,007 |
| Verona | $3,218 |
| Versailles | $2,896 |
| Viburnum | $2,926 |
| Vichy | $2,847 |
| Vienna | $2,893 |
| Villa Ridge | $2,694 |
| Village of Four Seasons | $2,876 |
| Vinita Park | $2,570 |
| Vulcan | $2,926 |
| Waldron | $3,398 |
| Walker | $3,206 |
| Walnut Grove | $3,132 |
| Walnut Shade | $3,015 |
| Wappapello | $2,939 |
| Wardell | $2,822 |
| Warrensburg | $3,075 |
| Warrenton | $2,685 |
| Warsaw | $2,913 |
| Warson Woods | $2,407 |
| Washburn | $3,248 |
| Washington | $2,581 |
| Wasola | $2,966 |
| Watson | $3,375 |
| Waverly | $3,106 |
| Wayland | $2,836 |
| Waynesville | $2,841 |
| Weatherby | $3,205 |
| Weatherby Lake | $3,338 |
| Weaubleau | $3,056 |
| Webb City | $3,282 |
| Webster Groves | $2,397 |
| Weldon Spring | $2,525 |
| Wellington | $3,140 |
| Wellston | $2,980 |
| Wellsville | $2,791 |
| Wentworth | $3,225 |
| Wentzville | $2,553 |
| Wesco | $2,753 |
| West Alton | $2,629 |
| West Plains | $2,796 |
| Westboro | $3,344 |
| Weston | $3,337 |
| Westphalia | $2,845 |
| Westwood | $2,439 |
| Wheatland | $3,071 |
| Wheaton | $3,225 |
| Wheeling | $3,097 |
| Whiteman AFB | $3,078 |
| Whiteoak | $2,821 |
| Whiteside | $2,939 |
| Whitewater | $2,896 |
| Wildwood | $2,465 |
| Willard | $3,068 |
| Williamsburg | $2,897 |
| Williamstown | $2,837 |
| Williamsville | $2,990 |
| Willow Springs | $2,911 |
| Winchester | $2,459 |
| Windsor | $3,037 |
| Windyville | $2,952 |
| Winfield | $2,712 |
| Winigan | $3,055 |
| Winona | $2,758 |
| Winston | $3,166 |
| Wolf Island | $2,794 |
| Woodson Terrace | $2,785 |
| Wooldridge | $2,906 |
| Worth | $3,235 |
| Worthington | $3,003 |
| Wright City | $2,653 |
| Wyaconda | $2,835 |
| Wyatt | $2,794 |
| Yukon | $2,788 |
| Zalma | $2,967 |
| Zanoni | $2,929 |
Current state of homeowners insurance in Missouri
Like most of the country, Missouri homeowners have seen significant increases in their policy premiums over the last five years. Rates in the state have increased by close to 45%, which is just shy of the national average of 48%.
From a regional standpoint, Missouri fared significantly better than some of its neighboring Midwestern states, which saw much higher increases in rates. Illinois homeowners’ rates increased by an average of 65% during that same time period, Nebraska’s rates rose by close to 68%, while Iowa’s rates shot up by a whopping 91%.
How to compare homeowners insurance in Missouri
When comparing options, don’t just look at rates, but also consider:
- Coverage limits: Make sure your home is fully covered in case of major, expensive damage.
- Deductibles: Choosing a higher deductible will lower your premiums, but you’ll be on the hook for a higher amount when filing claims. Be sure to factor in how much cash you would have on hand when figuring out your deductible.
- Exclusions: Check what is and isn’t covered (like floods) — you may need a separate policy for certain types of damage.
- Add-ons: Consider extra coverage for high-value items, as these may not be fully covered by a typical homeowners policy.
If you own one or more vehicles, you may also consider bundling your home and auto insurance. Many insurance companies offer sizable discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Missourians pay an average of $2,936 per year for coverage on a $400,000 home. However, your coverage costs may vary depending on factors like where your home is located, what insurer you choose and what coverage options you decide to add on.
Although termites are fairly common in Missouri, damage from termites is not covered by a standard homeowners policy. This is because home insurance does not cover damage that could be avoided through regular maintenance, such as inspecting your property for pests and taking measures to address any infestations. That’s why it’s essential to keep up with routine maintenance to help avoid unnecessary expenses.
The Missouri FAIR Plan is a “last resort” program designed to allow state residents to get coverage if they haven’t been able to secure coverage through the regular insurance market. While it offers a coverage option to those who have been denied previously, there are drawbacks. For example, these policies are typically more expensive than normal ones, and the Missouri FAIR Plan limits the amount of dwelling coverage you can get to $200,000.
Methodology
How we chose the best homeowners insurance in Missouri
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Missouri ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included the NAIC’s complaint index scores and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.