Home insurance in Missouri costs about $233 monthly or $2,794 annually on average. Residents pay $13 more per month, or $160 more annually, than the national average, making it an expensive state for home insurance.
Average Home Insurance Cost in Missouri
Updated: June 1, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Home insurance costs in Missouri range from $1,875 per year to well over $16,811, depending on your financial history, home details, coverage chosen and provider.
Missouri's home insurance premiums are one of the most expensive in the country, at 6% over the national average.
To find the best home insurance in Missouri, determine your coverage needs; research costs, providers and search for multiple quotes.
How Much Is Home Insurance in Missouri?
| Missouri Average | $233 | $2,794 | 6% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Average Home Insurance Cost by City
Home insurance costs are affected by many factors, depending on your city. For example, the average monthly home insurance cost in Columbia is around $221; Kansas City is much higher at $282.
| Columbia | $221 | $2,657 |
| Independence | $266 | $3,188 |
| Kansas City | $282 | $3,384 |
| Springfield | $244 | $2,927 |
| St. Louis | $248 | $2,982 |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in Missouri?
Home insurance is expensive in Missouri mainly because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail:
Rising Claims
An increase in insurance claims often indicates higher risks or more frequent losses. Insurers must then raise premiums to cover these escalating costs and maintain their financial stability.
High Weather Risks
Areas prone to severe weather, such as hurricanes or wildfires, face higher home insurance rates due to the increased likelihood of property damage claims.
Rising Material and Labor Costs
When the costs to repair or rebuild homes go up due to pricier materials or labor, insurance companies adjust premiums accordingly to cover these heightened expenses.
State Insurance Laws
State-specific insurance regulations can influence costs. Mandates on coverage types or benefit levels can lead to higher expenses for insurers, which are passed on to consumers through raised premiums.
What Affects Missouri Home Insurance Costs?
Like most home insurance companies, pricing is mainly influenced by these factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We'll explore how each factor impacts rates in the state.
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance rates in Missouri, with rates varying by up to 9%. Weather risks, home value and population density in your area play a major role in determining costs.
| Lowest | Columbia | $204 | $2,454 |
| Highest | Kansas City | $254 | $3,042 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Missouri home insurance rates, averaging from $1,339 to $9,583 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $112 | $1,339 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $799 | $9,583 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the third most influential factor in Missouri homeowners insurance rates, averaging from $101 to $226 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.
| Lowest | New | Superior | Tile | $101 | $1,209 |
| Highest | Old | Frame | Composition | $226 | $2,713 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Missouri home insurance rates, with prices ranging from 43% below to 31% above the state average.
| Lowest | AAA | $130 | $1,558 |
| Highest | Allstate | $296 | $3,548 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 54%, with annual average rates ranging from $2,257 to $5,537.
| Lowest | Excellent | $188 | $2,257 |
| Highest | Poor | $461 | $5,537 |
How Much Does Claims History Affect Home Insurance Costs?
Filing more claims will increase your perceived risk for insurers, which can increase premiums, although in Missouri, claims history has a smaller impact on cost than other factors. We found that depending on your claims history, rates can be affected by up to 17.78% or $1,224 annually.
| Lowest | Claim free for 5+ years | $226 | $2,713 |
| Highest | 2 claims in past 5 years | $328 | $3,937 |
Tips to Save on Missouri Home Insurance
With high home insurance costs in Missouri, finding ways to save on premiums is essential, whether buying a home or reducing expenses for your current one. Below are tips to help you secure the best and cheapest home insurance in Missouri tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons to protect any additional items you own. Determine how much home insurance you need and explore the standard coverage options.
- 2
Research Costs and Discounts Beforehand
Understanding the average costs for you and your home helps determine if you’re getting a good deal. Always ask agents about available home insurance discounts, as some apply reductions only if requested. Learn more about the average costs for you.
- 3
Compare Multiple Providers Through Different Avenues
To find the best coverage, use online comparison sites, brokers, provider websites, and agents.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings for residents of the Lone Star State. For instance, combining home and auto insurance can save up to xx% on home insurance and $xx annually on both policies.
- 5
Reduce Your Personal Risk Profile
Consider making improvements like adding storm shutters or home security systems to get cheaper premiums. Also, improving your credit score can decrease premiums drastically. Moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Some states offer programs to help get affordable coverage if you're denied traditional home insurance. For example, Missouri offers the TFPA policy to insure you if traditional insurers deny you coverage. While TFPA plans don’t offer the same coverage amount as traditional policies, they meet mortgage requirements.
Missouri Home Insurance Calculator: Bottom Line
Home insurance costs vary with location and coverage. Find affordable rates by researching your needs and average costs, then use our estimate tool for the best deal.
Homeowners Calculator Insurance Missouri: FAQ
Auto insurance costs in Missouri vary based on factors like age, driving history, and vehicle type. To help you estimate expenses, MoneyGeek provides answers about minimum coverage auto insurance in the Show-Me State.
How much does homeowners insurance cost in Missouri?
Missouri's average monthly home insurance cost is $233 for a dwelling coverage of $250K. However, your rate will depend on factors like your credit score, liability and property coverage limits and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Missouri Home Insurance Estimates
When determining the average cost of home insurance in Missouri, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.