Missouri's average home insurance premium costs $245 monthly or $2,939 annually. That's $44 less per month than the national average, making Missouri 15% cheaper for coverage. The state ranks 19th most expensive nationwide for home insurance costs.
Average Home Insurance Cost in Missouri
Updated: January 15, 2026
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Key Takeaways: Missouri Home Insurance Rates
Missouri homeowners pay an average of $245 per month, or $2,939 annually, ranking the state as the 19th most expensive nationwide for home insurance.
Determine your coverage needs, gather multiple quotes and research providers and costs to find the best home insurance in Missouri.
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How Much Is Home Insurance in Missouri?
| Missouri | $2,939 | $3,467 | -15% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
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$220
High
$144
Average
$104
Low
Rates updated:
Jan 23, 2026
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What Affects Average Missouri Home Insurance Costs?
Multiple factors determine your Missouri home insurance costs, including your location, coverage limits, home construction type, insurance company, credit score and claims record. Let's examine how each of these elements impacts what you'll pay for coverage.
Average Missouri Home Insurance Cost by City
Missouri home insurance prices vary widely by location, with monthly costs ranging from $219 to $262. Homeowners in Wentzville see the lowest average annual cost at $2,628, while those in Kansas City pay closer to $3,144 each year. That $516 difference shows how much your ZIP code alone can influence what you pay for coverage.
| Blue Springs | $254 | $3,045 |
| Branson | $243 | $2,918 |
| Columbia | $230 | $2,766 |
| Independence | $260 | $3,120 |
| Kansas City | $262 | $3,144 |
| Lilbourn | $244 | $2,925 |
| Morrisville | $246 | $2,956 |
| Saint Louis | $241 | $2,898 |
| Springfield | $240 | $2,886 |
| Wentzville | $219 | $2,628 |
Average Missouri Homeowners Insurance Pricing by Coverage Level
Missouri homeowners see a wide spread in insurance costs depending on how much coverage they choose. Annual premiums range from about $1,661 to $8,905. Policies with higher coverage limits and smaller deductibles cost more, while opting for lower limits and a higher deductible brings premiums down.
| $100K Dwelling / $50K Personal Property / $100K Liability | $138 | $1,661 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $245 | $2,939 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $411 | $4,931 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $575 | $6,899 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $742 | $8,905 |
Average Cost of Missouri Home Insurance by Company
Your insurer can make a major difference in Missouri home insurance costs. American Family averages about $4,340 per year, while AAA comes in much lower at $1,617 annually.
| AAA | $135 | $1,617 |
| USAA | $205 | $2,464 |
| Foremost Insurance | $211 | $2,534 |
| Nationwide | $215 | $2,584 |
| State Farm | $245 | $2,944 |
| Shelter | $291 | $3,489 |
| Allstate | $295 | $3,539 |
| American Family | $362 | $4,340 |
Missouri Homeowners Insurance Costs by House Age
Home age has a clear impact on insurance costs in Missouri. Houses built in 1980 or earlier average about $3,001 per year, compared with $2,110 for homes built in 2020. That $891 difference reflects how newer construction, updated wiring and current building standards lower the likelihood of claims.
| Newer | $176 | $2,110 |
| Middle Age | $245 | $2,939 |
| Older | $250 | $3,001 |
Average Missouri Home Insurance Cost by Credit Score
Your credit score influences what you pay for home insurance in Missouri. Insurers price policies lower for homeowners with solid credit and charge more when credit is weaker. Yearly premiums fall between $1,886 and $4,514 across credit tiers.
| Excellent | $157 | $1,886 |
| Good | $245 | $2,939 |
| Below Fair | $292 | $3,507 |
| Poor | $376 | $4,514 |
Why Is Home Insurance So Expensive in Missouri?
Missouri ranks as the 19th most expensive state for home insurance, even though its rates sit about 15% below the national average. Several factors help explain why premiums remain relatively high.
Tornado Alley Location
Missouri sits within Tornado Alley, experiencing an average of 47 tornadoes annually, according to Ozarks First. Springfield News Leader reports that the 2024 season brought 121 confirmed tornadoes. This severe weather pattern creates consistent claim activity, forcing insurers to maintain higher premium rates to cover tornado damage payouts. The Kansas City and Springfield metro areas have especially high exposure to these weather events.
Claims Frequency Impact
Missouri homeowners with clean five-year claims histories pay $2,939 annually on average. Filing just one claim increases premiums to $3,407, a $468 jump. Two claims push annual costs to $3,800, adding $861 to baseline rates. This claims sensitivity reflects insurers' risk assessment models. The state's weather patterns generate higher-than-average claim frequencies, creating upward pressure on premiums across all Missouri homeowners.
Midwest Wind and Hail Damage
Missouri experiences frequent hail and wind damage events beyond tornadoes. These events damage roofs, siding and windows, generating consistent insurance claims. Insurers account for this elevated hail and wind risk when setting Missouri premium rates, particularly in the state's northern and western regions where severe thunderstorms occur most frequently.
Tips to Save on Missouri Home Insurance
As home insurance prices rise across Missouri, finding reasonably priced coverage matters more than ever. These tips can help you find the cheapest home insurance in Missouri while still keeping your home properly covered.
- 1Calculate Coverage Needs
Figure out your home's replacement cost using current construction prices, not its market value. Count up your belongings to determine how much personal property coverage you need. Missouri homeowners in areas like Kansas City should consider extras such as water backup coverage for basement flooding or increased replacement cost coverage for older homes that might exceed standard policy limits.
- 2Research Rates and Discounts
Use MoneyGeek's Missouri home insurance calculator to estimate fair pricing for your location and home. Ask insurers about available discounts when gathering quotes. Missouri providers often offer savings for security systems, newer construction, claim-free history and protective devices like smoke detectors or storm shutters. These discounts matter given the state's severe weather patterns.
- 3Compare Multiple Providers
Get quotes from at least three insurers. Look beyond just price. Review customer satisfaction ratings, claims processing speed and financial strength ratings. A lower premium from a company with poor claims service can cost more in the long run. This matters especially for Missouri homeowners who may file storm-related claims in areas like Springfield.
- 4Bundle Home and Auto
Buy your home and auto insurance from the same company. Missouri homeowners save 10% to 25% by bundling both policies. Families in suburban areas like St. Charles County benefit most since they typically own multiple vehicles and carry comprehensive coverage on both.
- 5Lower Your Risk Profile
Add safety features like security systems, smoke detectors and storm shutters for premium discounts. Keep a claim-free record and save $468 to $861 annually. Boost your credit score from below fair to good and cut premiums by about 16% in Missouri. Pay bills on time and reduce outstanding debt to improve your score.
Calculate Missouri Homeowners Insurance Costs: FAQ
Missouri homeowners insurance costs depend on many factors specific to your home and location. The FAQs below explain what affects your rates and help you understand potential expenses.
How much will my premium increase after filing a claim in Missouri?
Filing a claim in Missouri increases your homeowners insurance premium by $468 for one claim and $861 for two claims compared to claim-free customers. Missouri homeowners without claims pay $2,939 annually on average. One claim raises your rate to $3,407 per year. Two claims will cost you $3,800 annually. Claims remain on your record for five years, meaning you'll pay these elevated rates throughout that entire period.
Does bundling home and auto insurance really save money in Missouri?
Bundling home and auto insurance with one carrier saves Missouri homeowners 10% to 25% on both policies. For a homeowner paying $2,939 annually for home insurance and $1,800 for auto coverage, a 15% bundling discount delivers about $711 in total annual savings. Contact multiple insurers to compare bundled quotes against separate policies, as savings percentages vary by carrier and your specific coverage needs.
Does home insurance in Missouri cover tornado damage?
Yes, standard home insurance policies in Missouri cover tornado damage to your dwelling, other structures and personal property. Your policy covers wind damage from tornadoes, including roof damage, broken windows and destroyed structures. However, you'll need to pay your deductible before coverage kicks in.
Most Missouri homeowners have wind and hail deductibles that are separate from their regular deductible. These deductibles are often higher and may be calculated as a percentage of your home's insured value rather than a flat dollar amount.
Your tornado coverage includes damage to your home's structure, detached garages, sheds, fences and personal belongings inside your home. If tornado damage makes your home unlivable, your policy will also cover additional living expenses while repairs are made.
Keep in mind that flood damage caused by tornadoes is not covered under standard homeowners insurance. You'll need separate flood insurance if tornado-related flooding damages your property.
Why does home insurance cost more for older homes in Missouri?
Older homes in Missouri cost 42% more to insure than newer properties. A home built in 1980 averages $3,001 annually, while a newer home from 2020 costs $2,110 per year. That's an $891 difference. Middle-aged homes from 2000 cost $2,939 annually.
Insurance companies charge higher premiums for older homes because aging infrastructure creates more risks. Outdated electrical wiring, old plumbing systems and deteriorating roofs fail more often and trigger insurance claims. Older homes also need specialized repair materials and construction techniques that match historical building methods, which drives up claim costs when damage occurs.
What home improvements can lower my Missouri insurance premium?
Security systems, updated electrical panels, new roofs and storm shutters can cut your Missouri home insurance costs by 5% to 20%. New roofs often bring 10% to 15% discounts, while monitored security systems save 5% to 10%. Call your insurer before starting any projects to find out which upgrades lower your premiums and how much you'll save.
How We Analyzed Missouri Home Insurance Rates
MoneyGeek calculated Missouri home insurance estimates by analyzing premium data across multiple variables that affect your costs. This approach reveals how different factors influence what you actually pay for coverage.
We built our analysis around a standard Missouri homeowner profile: $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 liability coverage and a $1,000 deductible. The baseline home was built in 2000 with frame construction and a composition roof, with no claims filed in the past five years.
This profile matches typical Missouri homeowners and enables accurate rate comparisons. The $250,000 dwelling amount aligns with median home values across Missouri markets. Homes built in 2000 represent the middle-aged properties that make up the largest segment of the state's housing stock.
Our research method involved changing one factor at a time while keeping all other elements identical. For instance, when studying how home age impacts premiums, we compared identical policies for homes built in 1980, 2000, and 2020. This technique shows exactly how much each variable affects your rate.
Your actual premiums will be different depending on your specific situation, including your home's construction details, location, coverage amounts, claims record, credit profile and insurance company. These rate variations demonstrate which factors have the biggest impact when you shop for Missouri home insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Ozarks First. "Missouri Tied for Top Spot in Tornadoes." Accessed January 23, 2026.
- Springfield News Leader. "A History of Twisters: Tornadoes in Missouri Since 1950." Accessed January 23, 2026.