How to Compare Home Insurance Quotes
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Aaron Besson
- Expertise: Auto insurance, home insurance and renters insurance
- Education: Sonoma State University (BA in English)
Aaron Besson has worked at LendingTree for more than seven years and has been a staff writer for the last five years. He specializes in producing research-backed content about auto, home and renters insurance. Aaron enjoys the deep dig into insurance data to get the right answers to hard questions. His work has been cited by CBS, iHeart Radio, the Sacramento Bee and Yahoo.
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Bryan Ochalla
Bryan Ochalla has worked as a writer and editor for over 20 years across several industries.
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Key Takeaways
- Allstate is the best home insurance company for most Missouri homeowners.
- Shelter has the state’s best complaint rating.
- USAA offers the best home insurance options for members of the military and their families.
Find the Cheapest Home Insurance Quotes in Missouri
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Allstate is the cheapest home insurance option in Missouri, offering an average rate of $2,356 a year.
USAA is the second-cheapest option in the state, at $2,424 a year. However, USAA only provides home insurance to active-duty and veteran military members, as well as their families.
American Family is the second-best option for most Missouri homeowners, at $3,159 a year.
To compare, the average home insurance rate in Missouri is $3,387 a year.
Cheapest home insurance companies in Missouri
| Company | Average annual rate |
|---|---|
| Allstate | $2,356 |
| Shelter | $2,870 |
| American Family | $3,159 |
| State Farm | $3,321 |
| Travelers | $4,081 |
| Nationwide | $5,496 |
| USAA* | $2,424 |
Best homeowners insurance companies in Missouri
Allstate is the best homeowners insurance company in Missouri for cheap rates. USAA has the best policy options for homeowners in the military, and Shelter has the best complaint rating.
Missouri home insurance company comparison
| Company | Average annual rate | Overall satisfaction (higher is better) | Complaint index (lower is better) |
|---|---|---|---|
| Cheapest rates: Allstate | $2,356 | 868 (below average) | 1.79 (below average) |
| Best for military: USAA* | $2,424 | 899 (above average) | 0.50 (above average) |
| Best complaint index: Shelter | $2,870 | NA | 0.31 (above average) |
| Average | $3,387 | 869 | 1.0 |
Sources: J.D. Power’s 2024 Property Claims Satisfaction Study and 2023 complaint data from the National Association of Insurance Commissioners (NAIC).
Cheapest average home insurance rates: Allstate
Allstate has the cheapest rates of the major home insurance companies we surveyed in Missouri, at an average of $2,356 a year. This is 30% cheaper than the average Missouri home insurance rate of $3,387 a year.
| Pros | Cons |
|---|---|
| Cheapest average rate in Missouri | Need to upgrade to Allstate’s Enhanced Package to take part in RateGuard and Deductible Rewards programs |
| Rateguard program lets you file one claim every five years without a rate increase | High complaint rating |
| Deductible Rewards program can lower your deductible if you don’t make a claim | Over satisfaction lower than national average |
| Many discounts for qualified homeowners |
Best for military members: USAA
USAA offers home insurance rates that are cheaper than the state average. It also has policy offerings tailored to active-duty and veteran military members. Both USAA’s claims satisfaction and complaint index rating are excellent.
| Pros | Cons |
|---|---|
| Second-cheapest home insurance rates in Missouri | May not get the same agent every time you contact USAA |
| Active-duty service members get coverage for military equipment and uniforms with no deductible | Only available to active-duty and veteran military and their families |
| Personal property coverage at replacement cost |
Best complaint index rating: Shelter
Shelter has a National Association of Insurance Commissioners (NAIC) Complaint Index rating of 0.31, the best complaint rating of the homeowners insurance companies we surveyed in Missouri.
| Pros | Cons |
|---|---|
| Excellent complaint rating | No 24/7 customer service |
| Below-average home insurance premium | No J.D. Power rating |
| Good discounts |
Find the Cheapest Home Insurance Quotes in Missouri
It's free, simple and secure.
The average cost of homeowners insurance in Missouri is $3,387 a year. This is 21% higher than the national average home insurance rate of $2,801.
There are a few different reasons for Missouri’s high home insurance rates. The state’s high flood risk combined with frequent tornadoes and earthquakes all increase the risk of homeowners filing claims. Companies raise rates to offset costs when a claim is filed.
Other factors that affect your final home insurance quote include:
- Age of your home
- ZIP code
- Construction materials used
- Your claim history
Home insurance companies consider these factors differently when calculating your quote. For example, one company may think your neighborhood is more of a risk than another company, and that could raise your rate.
To get the best combination of cost and coverage, compare home insurance quotes from several different companies online before buying a policy.
Missouri home insurance rates by city
Of the 15 most populated cities in Missouri, O’Fallon has the lowest average home insurance rate of $2,894 a year. Joplin has the highest average rate of $3,978 a year.
Average cost of home insurance by city
| City | Average annual rate |
|---|---|
| Ballwin | $2,943 |
| Blue Springs | $3,633 |
| Cape Girardeau | $3,246 |
| Chesterfield | $2,941 |
| Columbia | $3,154 |
| Florissant | $2,960 |
| Independence | $3,685 |
| Jefferson City | $3,024 |
| Joplin | $3,978 |
| Kansas City | $3,832 |
| Kirkwood | $2,912 |
| Lee's Summit | $3,707 |
| Liberty | $3,659 |
| Mehlville | $2,948 |
| O’Fallon | $2,894 |
Methodology
The rates shown in this article are based on nonbinding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Missouri.
The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
*USAA is only available to active-duty and veteran military members and their families.
On this page
- Cheapest home insurance companies
- Best homeowners insurance companies
- Cost of homeowners insurance in Missouri
- Missouri home insurance rates by city
