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.
Cheapest Home Insurance in Missouri
Updated: May 27, 2025
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Key Takeaways
AAA and Nationwide offer the lowest-cost home insurance in Missouri overall, with potential savings of up to 81%.
Nationwide offers the cheapest homeowners insurance in Missouri if you own a new home or have bad credit.
AAA offers the most affordable home coverage for those in high-risk fire areas in Missouri.
What is the Cheapest Home Insurance in Missouri?
| AAA | $130 | $1,558 | 44% |
| State Farm | $224 | $2,689 | 4% |
| American Family | $225 | $2,701 | 3% |
| Shelter | $238 | $2,856 | -2% |
*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.
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU
While these companies may offer the lowest rates in Missouri, evaluating their customer service reputation and coverage options is important. To help, we’ve created a separate guide to the best home insurance companies in Missouri, providing a more comprehensive overview.
Cheapest Missouri Home Insurance Rates by Category
While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while AAA is typically the cheapest overall, Nationwide offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.
| AAA | Older Homes | $130 |
| Nationwide | Newer Homes | $54 |
| AAA | Homes in High Risk Fire Areas | $185 |
| AAA | Bad Credit | $235 |
*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.
Compare Personalized Cheap Missouri Home Insurance
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.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Claims History:Claim free for 5+ years
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Credit Tier:Good
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Home Age:Older Homes
| AAA | $154 | $1,846 |
| State Farm | $224 | $2,689 |
| American Family | $225 | $2,701 |
| Shelter | $258 | $3,097 |
| Nationwide | $260 | $3,114 |
Cheapest Missouri Home Insurance By City
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. However, it's wise to compare options as costs can differ significantly by location.
| Columbia | AAA | $119 |
| Independence | AAA | $141 |
| Kansas City | AAA | $167 |
| Springfield | AAA | $137 |
| St. Louis | AAA | $125 |
*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.
How To Find the Cheapest Missouri Home Insurance for You
Finding affordable home insurance in Missouri can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 1
Determine your coverage needs
It's easy to get oversold on coverage when you don't have limits in mind before buying. Determine your home insurance coverage needs beforehand to avoid purchasing too much. Understanding the different types of home protection available helps ensure you don't miss something important.
- 2
Research home insurance cost information
Look up home insurance costs in Missouri to determine reasonable pricing for your needs. Directly ask insurance representatives about potential discounts because these benefits aren't automatically included.
- 4
Compare multiple companies apples to apples
To ensure you’re getting a good deal, compare quotes for the same coverage. Once aligned, gather as many quotes as possible using different methods to find the best rate.
- 5
Use state-provided programs
If you have a high-risk profile and face coverage denials or unaffordable rates, Missouri offers a state program through the Missouri FAIR Plan. This program provides coverage for those denied by traditional insurers, often at a lower cost than insurers willing to approve you.
Cheap Home Insurance Missouri: Bottom Line
AAA, State Farm, and American Family offer Missouri's most affordable home insurance. Denied coverage? State programs provide low-cost policies. Always compare multiple providers, research costs, and know your coverage needs before choosing.
Cheapest Home Insurance Missouri: FAQ
Below are answers to frequently asked questions about the cheapest home insurance in Missouri. The Show-Me State offers various affordable options for homeowners. Costs depend on factors like your home's location and value. Understanding these can help you find the best deal.
What is the cheapest home insurance company in Missouri?
Nationwide offers the lowest rates for newer homes in Missouri at $54 per month or $650 per year. However, homeowners with older properties or higher fire protection needs may find better rates with AAA.
How expensive is home insurance in Missouri?
Missouri has the 24th-highest home insurance rates in the U.S.
How much is home insurance in Missouri?
You should have enough insurance to rebuild your home, cover your possessions, and safeguard against local risks and special items.
While home insurance is not mandated by law, mortgage lenders require you to insure your home for its full replacement value. Ensure that your policy also covers the cost of your personal belongings, and consider the prevalence of local hazards or special valuable items when deciding on coverage amounts.
How much home insurance do I need?
You should have enough insurance to rebuild your home, cover your possessions, and safeguard against local risks and special items.
While home insurance is not mandated by law, mortgage lenders require you to insure your home for its full replacement value. Ensure that your policy also covers the cost of your personal belongings, and consider the prevalence of local hazards or special valuable items when deciding on coverage amounts.
How We Found the Cheapest Home Insurance Companies in Missouri
To determine the cheapest home insurance companies in Missouri, we assumed the following base profile:
- $250K dwelling coverage
- $125K personal property coverage
- $200K liability coverage
- Home built in 2000
- Frame construction
- Composition roof
- $1,000 all perils deductible
- No claims in the past 5+ years
- 3-class fire protection
All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.
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.