How Much Does Homeowners Insurance Cost in Missouri?
Missouri pricing is below the national average. Updated for 2026.
Homeowners Insurance Pricing in Missouri
In Missouri, the average cost for homeowners insurance is $157 per month, which is 13% lower than the national average of $180. Most Missouri residents pay between $87 and $305.
Missouri benefits from a lower cost of living than many states, resulting in more affordable pricing for homeowners insurance. This makes it one of the more budget-friendly states for this service.
Homeowners insurance protects your home and belongings from damage, theft, and liability. Costs depend on your home's value, location, coverage limits, and claim history.
Missouri vs National Average
What Affects Homeowners Insurance Cost in Missouri?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
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💡 Tips to Save on Homeowners Insurance in Missouri
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance in Missouri Cost Trends (2022–2026)
Prices have increased +18.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $133 | — |
| 2023 | $139 | +4.5% |
| 2024 | $148 | +6.5% |
| 2025 | $152 | +2.7% |
| 2026 | $157 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Homeowners Insurance in Missouri
Recent Reports
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
Homeowners Insurance Cost in Other States
Related Cost Guides for Missouri
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