Shelter, Nationwide and State Farm are Missouri's best cheap renters insurance companies. Shelter is the top company for affordable rates. Nationwide offers the best coverage options, while State Farm has a good customer reputation.
Cheap Renters Insurance in Missouri
Updated: November 10, 2025
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Key Takeaways
Shelter is Missouri's cheapest renters insurance option, with rates starting at $219 per year. Nationwide is the best overall company.
Renters insurance costs around $20 per month in Missouri, but prices range from $18 to $40.
To find the best and most affordable renters insurance, decide on your coverage needs first. Then, research costs and compare many quotes.
Missouri Renters Insurance Quote Estimates
MoneyGeek's renters insurance calculator will give you a customized estimate of your renters insurance costs.
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Rates updated:
Nov 14, 2025
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| Nationwide | 86 | $25 | $306 |
| State Farm | 83 | $27 | $327 |
| Shelter | 82 | $18 | $219 |
| AAA | 78 | $26 | $312 |
| Allstate | 64 | $40 | $480 |
*This list shows rates for a renter with good credit, no claims history, $50K in property damage coverage, $100K in liability coverage, a $1,000 deductible and guaranteed replacement.
Use our renters insurance calculator to verify your Missouri renters policy provides sufficient protection given the state's position in tornado alley and frequent hailstorms.
Best Cheap Renters Insurance Companies in Missouri
Compare Personalized Best Cheap Renters Insurance in Missouri
While our list above covers most renters, it may not show your ideal options. We've made a filterable table that matches your profile to help you find the best options in Missouri.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Yes
Good
| Nationwide | 88 | $16 | $194 |
| State Farm | 87 | $16 | $188 |
| AAA | 83 | $15 | $177 |
| Shelter | 82 | $13 | $160 |
| American Family | 69 | $23 | $280 |
Best Missouri Renters Insurance Reviews
Below are details about our top picks for renters insurance in Missouri, based on affordability, customer service and coverage options.
Shelter: Most Affordable Plans
pros
Lowest rates
Strong core coverages
cons
Fewer discount options
Lack of online tools
COMPANY HIGHLIGHTS
Shelter offers the best affordable renters insurance at $18 monthly for most Missouri renters. Add-ons include earthquake protection, sewer or drain backup coverage and protection against check forgery and credit card fraud.
State Farm: Best for Customer Service
pros
High customer satisfaction ratings
Strong discount options
cons
Limited coverage add-ons
Lower-than-average claims satisfaction
COMPANY HIGHLIGHTS
State Farm ranks second best for Missouri renters but charges above-average prices. The company placed seventh for overall satisfaction in a recent J.D. Power study and offers computer coverage and identity theft protection.
Nationwide: Best for Coverage Options
pros
Affordable rates for higher coverage
Most extensive add-on coverage selection
High claims satisfaction ratings
cons
Lower-than-average customer satisfaction ratings
Less affordable for lower property damage coverage levels
COMPANY HIGHLIGHTS
Nationwide earns the top spot for Missouri renters insurance with balanced rankings in affordability, coverage and customer service. The company ranks third for affordability in MoneyGeek's study, eighth out of 15 for customer satisfaction and fifth out of 18 for claims satisfaction in J.D. Power studies. Coverage options include credit card protection and add-ons to replace selected personal property up to its actual cash value.
Average Cost of Renters Insurance in Missouri
Renters insurance in Missouri costs about $20 monthly, close to the national average. These rates reflect a policy with $50K in personal property coverage, $100K in liability limits and a $1,000 deductible. Your rate may vary based on your specific situation.
Below is a table where you can filter key factors affecting renters insurance rates to see average costs for your profile.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Good
Covered
| $50K Personal Property / $100K Liability | $20 | $238 |
Average Missouri Renters Insurance Cost by City
Renters insurance costs vary by city. Columbia's average annual premium is $197, while in Kansas City, it's $234 for a policy with $50K in personal property coverage and $100K in liability coverage. Check the table below for the average cost in your city.
| Columbia | $197 |
| Independence | $216 |
| Kansas City | $234 |
| Springfield | $201 |
| St. Louis | $228 |
*This table shows rates for a renter with good credit and no claims history. Policies include $50K property damage coverage, $100K liability coverage, a $1,000 deductible and guaranteed replacement.
Missouri Renters Insurance: Buyer's Guide
Finding the right renters insurance in Missouri can be challenging. Our guide simplifies your search and helps you find coverage that fits your needs.
How to Find the Best Cheap Renters Insurance in Missouri
With many options, choosing the best and cheapest coverage for your situation can be difficult. Follow these steps to find your ideal option:
- 1Determine the right coverage level
Identify the belongings you want to insure and their value. Consider risks like weather damage, crime and pet-related issues. Knowing this helps you compare rates confidently.
- 2Research costs and discounts
Check average costs for your desired coverage. Look for discounts you qualify for, which can significantly lower your rates.
- 3Compare providers
Research providers' reputations, costs and coverage options. This helps you create a shortlist of potential providers to contact for quotes.
- 4Consider bundling
Bundling renters and auto insurance with your current provider may lead to savings that cover your renters insurance entirely.
- 5Get multiple quotes through different channels
Gather at least five quotes with the same coverage. For thorough results, use comparison sites, provider websites, brokers and phone agents.
- 6Compare rates annually
Reassess your current provider yearly. The market and rates change frequently, so comparing options ensures you keep premiums as low as possible.
How Much Renters Insurance Do I Need in Missouri?
Missouri law doesn't mandate renters insurance, but most landlords require at least $100K in liability coverage. Requirements may vary based on your rental history, credit score and pet ownership. When choosing a policy, consider the value of your belongings, local weather risks, neighborhood crime rates and pet ownership.
Use our calculator below to determine your ideal personal property limits so you know how much renters insurance you need.
Personal Property Coverage Calculator
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.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
Missouri Renter Risk Considerations
Missouri renters deal with these risks and coverage options:
- Weather: Missouri gets ice storms, tornadoes, severe storms and flooding in certain areas. Standard coverage won't protect you in high-risk zones. You'll need additional coverage.
- Crime: Missouri ranks 10th for property crime and 28th for identity theft and fraud nationwide. Add extra coverage to your renters policy for better protection against property damage.
- Pets: Pet owners need pet liability coverage. Check if your provider's standard policy includes pet protection or requires an add-on.
- Valuables: Standard policies don't fully cover specialized items like tools, electronics or rental property structures like pools. Find insurers offering specific add-ons to protect these belongings.
How Does Renters Insurance Coverage Work?
Renters insurance covers damage to your property, liability to others and loss of use linked to your rental home. Add extra coverages to make your policy more comprehensive. Here are common types of renters insurance coverage:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Pays for damaged or stolen items in your rental up to your policy limit. You get the actual cash value (depreciated value) unless you have replacement cost coverage, which pays for new items. | |
Standard | Pays medical and legal bills if someone gets injured in your rental. Many landlords require this coverage. | |
Additional living expenses | Standard | Covers temporary housing costs like meals, lodging and transportation when you can't stay in your rental. Benefits are based on a percentage of personal property limits or a set amount, depending on your insurer. |
Natural disasters | Add-on | Separate policies that cover earthquake and flood damage to your belongings. |
Parts/Equipment | Add-on | Separate policies for tools, appliances and utilities in your rental. |
Scheduled property | Add-on | Insures specific valuable items up to a predetermined amount. |
Identity theft | Add-on | Covers stolen funds, legal expenses and monitoring services to protect you financially from identity theft. |
Pet liability | Add-on | Covers injuries your pet causes on your rental property, though standard policies may include this. |
Modifications | Add-on | Covers custom additions and modifications not part of the original rental property. |
Food loss | Add-on | Reimburses food lost from covered incidents. |
Best Renters Insurance in Missouri: Bottom Line
Missouri's best and cheapest overall renters insurance companies are Nationwide, State Farm and Shelter. While we recommend these options, you should research and compare multiple companies and quotes to get the best deal.
Renters Insurance in Missouri: FAQ
Here are answers from our experts to common questions:
What is the cheapest renters insurance company in Missouri?
Shelter offers the cheapest renters insurance in Missouri, with an average annual premium of $219 or $18 per month.
What is the best renters insurance company in Missouri?
Nationwide is the best renters insurance company in Missouri, with a MoneyGeek score of 86 out of 100 due to its balance of cost effectiveness, customer satisfaction and comprehensive coverage offerings.
How much does renters insurance cost in Missouri?
The average cost of renters insurance in Missouri is $238 per year or $20 per month, around 2% less than the national average. Annual premiums range from $219 to $480.
Is renters insurance required in Missouri?
Missouri doesn't legally require renters insurance, but your landlord might ask for it. Consider your needs and situation to decide if a policy is right for you. Reasons to get renters insurance include financial protection from common risks and liability for third-party injuries.
How We Found the Best Cheap Renters Insurance Companies
To find the cheapest renters insurance in Missouri, we used this base profile:
- $50K personal property coverage
- $100K liability coverage
- $1,000 deductible
- Property replacement coverage
- Good credit score
We used this to determine our affordability score for the state (60% of the score).
Other parts of our score included:
- Customer satisfaction from industry research (25%)
- Add-on coverages (10%)
- Financial strength ratings (5%)
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed April 29, 2025.
- Missouri State Emergency Management Agency. "Declared Disasters in Missouri." Accessed April 29, 2025.
- U.S. News. "Low Property Crime Rate." Accessed April 29, 2025.