Cheapest Home Insurance in Missouri

AAA is the cheapest home insurance option for most homeowners in Missouri, with an average monthly savings of $369. Below is a summary of the most affordable providers in the state.

*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.

We've listed the cheapest options for most homeowners, but your situation might differ. AAA charges the least overall, but Nationwide beats it for newer homes. We've broken down the cheapest companies for common categories below.

*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.

The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.

Risk factors for insurers vary by location, making some providers more affordable than others. In Missouri, AAA offers the cheapest rates in most cities, including Columbia, Independence, Kansas City, Springfield, and St. Louis.

*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.

Finding cheap home insurance in Missouri takes work, but you can cut your costs substantially. Here's how to maximize your savings.

AAA, State Farm and American Family charge the least for home insurance in Missouri. If you've been denied, state programs offer cheaper policies. Compare several providers, research costs and figure out your coverage needs before you buy.

We answer common questions about cheap home insurance in Missouri.

Finding Missouri's cheapest homeowners insurance requires understanding how your home's age, location and fire protection class create dramatically different premiums—because a newer Columbia home might get AAA's best rates while a St. Louis property in a high-risk fire zone needs completely different coverage pricing. We analyzed rate data to reveal which insurers consistently deliver competitive quotes for Missouri homeowners facing the state's specific risks: tornado damage, hail storms and flooding that don't always fall under standard coverage.

Our baseline used $250,000 dwelling coverage (enough to rebuild your home after a total loss), $125,000 personal property protection (replacing belongings after fire, theft or storm damage) and $200,000 liability coverage (financial protection if someone gets injured on your property and sues). This represents standard protection for Missouri homes, though properties in tornado-prone regions or flood zones often need higher limits or separate policies.

We modeled a home built in 2000 with frame construction, composition roofing, a $1,000 all-perils deductible (what you pay before insurance covers the rest), three**-class fire protection** (reflecting distance from fire stations and water sources), good credit and no claims filed in the past five years. This profile captures typical Missouri homeowners who qualify for standard rates without complications that spike premiums.

We then adjusted these factors to understand how costs shift across different scenarios. Newer homes built in 2023 cost significantly less to insure. Nationwide offers rates as low as $54 monthly versus $130 for older properties with AAA, since modern construction includes updated electrical systems, roofing materials and building codes that reduce claim risk. Poor credit increases premiums to around $235 monthly, while homes in high-risk fire areas (8-class protection, indicating limited fire department access) cost approximately $185 monthly even with the best insurers.

We also compared rates across Missouri cities including Columbia, Independence, Kansas City, Springfield and St. Louis, revealing how local tornado frequency, hail damage patterns and crime rates create geographic pricing differences. AAA consistently offers the lowest rates in most Missouri cities, but rate gaps between insurers can exceed $100 monthly for identical coverage—reflecting how companies assess Missouri's weather risks and property values differently.

This methodology exposes which insurers maintain competitive Missouri rates across different home ages, fire protection classes and credit profiles versus companies advertising low premiums that disappear once they factor in your actual location, construction year or claims history.