Updated: March 11, 2026
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Missouri's best renters insurance: State Farm
Most affordable renters insurance in Missouri: USAA
Missouri average renters insurance cost: $154 per year
Missouri's best renters insurance provider is State Farm, which earns a MoneyGeek score of 4.8 out of 5. At $10 monthly, it scores well for customer experience and affordability.
The five renters insurance companies in Missouri with the highest MoneyGeek scores are:Â
| State Farm | 4.76 | $10 | $123 |
| AAA | 4.43 | $11 | $126 |
| Allstate | 4.38 | $12 | $142 |
| Lemonade | 4.32 | $14 | $164 |
| USAA | 4.31 | $7 | $80 |
*Rates for renters aged 26 to 64 with good credit and no claims history. Policy includes $20,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Best for Missouri Renters
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
For $20,000 in personal property coverage, Missouri renters can pay as little as $7 per month through USAA. That's saving you $6 per month or $72 per year compared to the state average of $13.
Rates from the nine most affordable companies range from $7 to $19 monthly for the same coverage. Five of nine insurers charge less than Missouri's $13 state average, giving renters multiple options for cheapest renters insurance.
| USAA | $7 | $-6 |
| State Farm | $10 | $-3 |
| AAA | $11 | $-2 |
| Shelter Insurance | $11 | $-2 |
| Allstate | $12 | $-1 |
| Lemonade | $14 | $1 |
| Nationwide | $16 | $4 |
| Farmers | $17 | $4 |
| American Family | $19 | $6 |
Missouri renters pay $13 per month ($154 annually), which is $3 below the national average of $16. Despite local challenges like higher crime rates in urban areas and severe weather events including tornadoes, rates stay below the national norm. The state's older housing stock does create some maintenance-related risks that can lead to higher claim payouts for insurers.
Wentzville offers the most affordable renters insurance in Missouri at $11 monthly ($138 annually), while Lilbourn has the highest rates at $14 per month ($173 annually). Most cities stay close to the state's $13 average, with crime rates and weather exposure creating these pricing differences across communities.
| Blue Springs | $13 | $150 |
| Columbia | $12 | $140 |
| Independence | $13 | $154 |
| Kansas City | $13 | $159 |
| Lilbourn | $14 | $173 |
| Morrisville | $12 | $146 |
| Saint Louis | $14 | $163 |
| Springfield | $12 | $149 |
| Wentzville | $11 | $138 |
State Farm takes the top spot at the $250,000 tier, charging $36 per month for $250,000 in personal property coverage and $300,000 in liability protection. However, USAA offers the most affordable rates from $20,000 to $100,000 in personal property coverage, all with $100,000 liability limits. Missouri renters will find USAA's the cheapest choice across these three lower coverage tiers.
| $20K Personal Property / $100K Liability | USAA | $7 |
| $50K Personal Property / $100K Liability | USAA | $10 |
| $100K Personal Property / $100K Liability | USAA | $13 |
| $250K Personal Property / $300K Liability | State Farm | $36 |
Getting the right coverage starts with knowing your coverage options, estimating your property value and shopping around for quotes.
The gap between insurers varies widely. USAA charges $7 per month while American Family charges $19 for identical $20,000 coverage. Comparing quotes from at least three companies helps renters save up to $12 per month. Online tools make it easier to find the lowest rate quickly.
Bundling renters and auto insurance with the same company can cut 10% to 25% off both premiums. State Farm and Auto-Owners offer bundling discounts that reduce your total insurance costs while simplifying your monthly billing into one payment.
A higher deductible means lower monthly premiums, but you'll pay more out-of-pocket when filing claims. Before raising your deductible, make sure your emergency fund can cover the higher amount you'll need to pay upfront.
Always ask what discounts you qualify for since they don't apply automatically. Missouri insurers offer savings for security systems, smoke detectors, claims-free history and automatic payments. State Farm provides good student discounts for renters under 25 with a B average or higher.
Most Missouri landlords require at least $100,000 in liability coverage, even though the state doesn't mandate renters insurance. Factors like pet ownership, credit score and rental history affect your coverage requirements. Your property value, local weather risks and crime rates should inform your coverage limits.
Our calculator below can help you determine how much renters insurance you need.
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
Clothes, shoes, bags, belts, hats, gloves, etc.
Review our experts' answers to frequently asked questions below:
State Farm earns the top spot for renters insurance in Missouri with a MoneyGeek score of 4.8 out of 5. At $10 monthly, it offers high customer satisfaction at affordable rates.
The average renters insurance cost in Missouri is $13 per month or $154 annually for $20,000 in personal property coverage. Missouri costs $3 less per month than the national average of $16 driven by the state's severe weather risks and higher property crime rates in metro areas.
USAA offers the most affordable $100,000 renters insurance at $13 monthly, while Missouri's average sits at $32 per month or $381 annually. Most renters usually choose $20,000 to $50,000 in coverage instead. The $100,000 tier works best for renters with expensive belongings or valuable collectibles that need higher financial protection levels.
Missouri law doesn't require renters insurance, but most landlords mandate at least $100,000 in liability coverage as part of your lease agreement. Your landlord's specific requirements may vary based on your rental history, credit score and pet ownership. Always review your lease carefully to understand the exact coverage requirements.
We analyzed Missouri renters insurance companies to find insurers with affordable rates and excellent service.
We gathered quotes for renters with this profile:
Affordability accounts for 50% of each company's score. Customer satisfaction from industry research makes up 40%. Add-on coverage options contribute the remaining 10%. Companies with the highest combined scores across these factors earn spots on our list of Missouri's best renters insurance providers.
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.
