Average Cost of Homeowners Insurance in Missouri (2025)

The average cost of homeowners insurance in Missouri in 2024 is $2,835. This is $412 more than the national average of $2,423.

Aside from the amount of coverage you get, credit rating plays a big role in premium costs in Missouri. The premium difference between the best and worst credit ratings is about $3,483.

If your rates have recently gone up, our analysis of the cheapest policies in Missouri could help you find more affordable options. Remember, the insurance provider you choose can also affect your premiums.

In Missouri, the average homeowners insurance premium is $2,835 for standard coverage amounts. This rate is higher than the national average home insurance rate of $2,423.

When deciding how much coverage you need, your insurance should cover the cost to rebuild your home and replace your belongings after a total loss. A policy with $100K in dwelling coverage costs $1,592 annually. If you own a larger home needing $500K in dwelling coverage, the annual cost jumps to $5,019.

Premiums for homeowners insurance in Missouri vary significantly among providers, even for comparable coverage. Some insurers offer rates well below the state average, while others charge considerably higher premiums.

Missouri residents have access to a variety of great providers, each with unique underwriting standards. These differences influence your policy pricing.

Homeowners in Missouri with excellent credit pay an annual premium of $2,355 for homeowners insurance, $480 less than the state average. Those with poor credit pay rates as high as $5,838, $3,003 above the average. Credit scores directly correlate with insurance costs, and a low credit score leads to substantially higher premiums.

While you may not be able to improve your credit score immediately, you can gradually improve it to reduce your insurance rates. In the short term, comparing insurers helps manage costs. It takes less than 15 minutes to see which will save you the most, and you might find a better rate even with your current credit standing.

Your roof type influences your homeowners insurance premium in Missouri. Homes with tile roofs see lower insurance costs due to their resilience. Less durable materials like composition shingles result in higher premiums.

Your home's construction materials also determine insurance rates. Homes built with superior, more resistant materials benefit from reduced insurance costs. Standard frame construction, which is less resistant to certain perils like severe weather events, leads to higher insurance premiums.

The table helps you see how premiums change based on your home's materials:

Insuring a newly constructed home in Missouri costs less than an existing one due to modern materials and current building codes. The average annual premium for a new home is $1,473, $1,362 lower than the $2,835 average for older homes. The table below shows how premiums vary across coverage levels in new versus existing homes:

In Missouri, homeowners who maintained a claim-free record for over five years pay an average annual premium of $2,835 for homeowners insurance. If you filed one claim within the past five years, the average premium rises to $3,532, an increase of $697 from the claim-free baseline. With two claims in the past five years, the average jumps to $4,168, $1,333 more than the average for homeowners without recent claims.

Premiums range from $2,566 to $3,217 across the cities we analyzed. Columbia has the lowest premium at $2,566, while Kansas City is the highest at $3,217. Independence and St. Louis are near the average at $3,110 and $2,828. Location impacts premiums due to varying risks like weather and crime. City-based rates are influenced by local factors, but personal factors like credit score also play a role.

Finding affordable homeowners insurance in Missouri is easier when you understand what affects your premiums. Here's how to find it:

Homeowners in Missouri can trim insurance costs by bundling home and auto policies. Missourians save up to 16% with multipolicy bundles. The savings on combined auto and home insurance can reach $1,595 annually.

For a detailed analysis of the best and cheapest home and auto bundle companies in Missouri, explore MoneyGeek's study on the best and cheapest home and auto bundle companies in Missouri. This strategy simplifies your insurance management and leads to substantial savings.

Missouri homeowners can access various insurance discounts. To maximize savings, ask about discounts when requesting a quote:

• Loyalty Discount: Insurers offer price reductions for long-term customers.
• Protective Devices: Installing security systems or smoke detectors lowers premiums.
• Roof Upgrade: A fortified roof leads to discounted rates.

For more on saving with discounts, explore our guide on discounts.

Missouri homeowners have access to resources for understanding homeowners insurance. Whether you're a new homeowner, considering purchasing a home or looking to better understand your current policy, these tools provide valuable guidance.

• Missouri Department of Insurance: Official state resource for insurance regulations.
• Affordable Home Insurance in Missouri: Find cost-effective options for your home.
• Missouri Homeowners Insurance Calculator: Estimate your potential insurance costs.
• High-Risk Home Insurance Coverage: Understand insurance for homes in high-risk areas.
• Top Home Insurance Options in Missouri: Compare the best insurance providers.
• Personal Property Coverage Essentials: Guide to personal property insurance needs.
• Report Insurance Fraud: Online system for reporting insurance fraud.