Best and Cheapest Homeowners Insurance in Missouri for 2025 (Top 10 Low-Cost Companies)

USAA, Nationwide, and State Farm are the best and cheapest homeowners insurance in Missouri with policies starting at $18 a month.

Navigating Missouri's homeowners insurance landscape can be challenging, but insurance companies with the best buying process, according to customer reviews, make it easier to find reliable coverage.

This guide ranks top providers, from USAA’s military-focused benefits to Allstate’s monthly reward programs, helping homeowners compare insurers based on real experiences.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$18	A++	Military Focus	USAA
	#2	$23	A+	Comprehensive Coverage	Nationwide
	#3	$30	B	Customer Service	State Farm
	#4	$32	A++	Affordable Rates	Geico
	#5	$35	A+	Usage-Based	Progressive
	#6	$37	A	Loyalty Benefits	American Family
	#7	$40	A++	Continuous Coverage	Travelers
	#8	$46	A	Safety Incentives	Liberty Mutual
	#9	$48	A	Innovative Discounts	Farmers
	#10	$52	A+	Reward Programs	Allstate

This article highlights essential coverage options and discount opportunities, ensuring you secure the best protection for Missouri’s unique risks. Make sure to compare home insurance rates by entering your ZIP code to avoid overpaying.

What You Should Know

• Companies offer up to 25% bundling and 30% claim-free discounts
• USAA leads at $18 monthly, Nationwide at $23, State Farm at $30
• Only 60% of insurers provide earthquake coverage despite high risk

#1 – USAA: Top Overall Pick

Pros

• Military Benefits: Active service personnel in Missouri save an average of $432 annually with $18 monthly premiums and zero deductible for deployment.
• Competitive Rates: For USAA homeowners insurance, military retirees secure $500K coverage at $50 monthly with earthquake protection, as highlighted in the USAA review.
• Claims Processing: The 24/7 dedicated military claims team resolves 92% of Missouri property damage cases within 48 hours.

Cons

• Limited Eligibility: Insurance coverage in Missouri restricts access to 18% of residents who meet strict military affiliation requirements.
• Branch Accessibility: Only three physical locations serve Missouri's 114 counties, requiring 85% of claims to be processed digitally.

#2 – Nationwide: Best for Comprehensive Coverage

Pros

• Coverage Options: Premium packages include $50,000 identity theft protection for Missouri homes with modern security systems installed.
• Affordable Plans: First-time homebuyers in Missouri, according to the Nationwide Review, receive $300K coverage at $40 monthly.
• Brand Strength: The A+ rated carrier protects 127,000 Missouri properties with guaranteed 100% replacement cost coverage.

Cons

• Premium Increases: Annual rates for Missouri properties increase by 15-20% without bundling after the first policy term expires.
• Service Delays: Missouri homeowners wait an average of 76 hours for claim inspections during peak storm seasons.

#3 – State Farm: Best for Customer Service

Pros

• Local Agents: Over 342 dedicated agents across Missouri provide in-person support with an average response time of 15 minutes.
• Claims Support: Comprehensive data from the State Farm review shows 94% of Missouri claims receive same-day inspection appointments.
• Policy Flexibility: New construction in Missouri qualifies for $85 monthly premiums covering $500K with adjustable deductibles from $500-$2500.

Cons

• Digital Limitations: Only 60% of Missouri claim types can be processed through the mobile app's digital system.
• Coverage Restrictions: Homes over 75 years old in Missouri face 25% higher premiums due to structural risk factors.

#4 – Geico: Best for Affordable Rates

Pros

• Budget Options: New homeowners save an average of $384 annually on Missouri properties with standard water damage included.
• Multi-Policy Savings: Missouri residents save 25% on combined policies with 5-year rate guarantees.
• Online Management: Digital claims processing serves 89% of Missouri policyholders with an average resolution time of 36 hours.

Cons

• Coverage Gaps: Basic policies exclude $15,000 worth of essential coverage for Missouri homes without premium add-ons.
• Agent Availability: One service representative handles approximately 450 Missouri accounts, leading to extended response times.

#5 – Progressive: Best for Usage-Based

Pros

• Smart Monitoring: Advanced security systems reduce Missouri premiums by $180 annually through real-time threat detection.
• Payment Options: Missouri homeowners maintain coverage with $35 monthly installments, as detailed in the Progressive Review.
• Digital Tools: Automated valuation systems assess 92% of Missouri properties within 24 hours for accurate coverage limits.

Cons

• Limited Discounts: Smart home equipment costs Missouri residents an average of $850 before qualifying for premium reductions.
• Claims Process: The digital-first system extends Missouri claim resolutions to 82 hours compared to the industry average of 48 hours.

#6 – American Family: Best for Loyalty Benefits

Pros

• Loyalty Rewards: Ten-year retention earns Missouri homeowners guaranteed $37 monthly rates with inflation protection.
• Bundled Services: Comprehensive packages in Missouri, according to the American Family review, save customers $523 annually.
• Extended Protection: Claims-free Missouri properties receive $5,000 additional coverage annually at no extra cost.

Cons

• New Customer Rates: First-year Missouri policies average 30% higher premiums until establishing insurance history.
• Coverage Transfer: Relocating within Missouri requires a 45-day waiting period for loyalty benefits transfer.

#7 – Travelers: Best for Continuous Coverage

Pros

• Coverage History: Consistent insurance records reduce Missouri premiums by 18% after three claim-free years.
• Renewal Benefits: Long-term Missouri homeowners, as noted in the Travelers review, receive $2,500 deductible reductions annually.
• Claims Record: Properties maintaining zero claims for 60 months in Missouri qualify for $40 monthly premium locks.

Cons

• Policy Gaps: Coverage interruptions longer than 30 days cost Missouri homeowners 25% in premium increases.
• Documentation Requirements: Missouri residents must provide 36 months of continuous coverage proof for maximum discounts.

#8 – Liberty Mutual: Best for Safety Incentives

Pros

• Safety Features: Advanced security installations lower Missouri premiums by $276 annually with immediate effect.
• Preventive Benefits: Modern weather protection systems, highlighted in the Liberty Mutual review, save Missouri homeowners 15%.
• Risk Assessment: Professional evaluations identify 98% of potential hazards in Missouri homes before claims occur.

Cons

• Equipment Costs: Missouri property owners invest an average of $1,200 in safety devices for premium reduction eligibility.
• Inspection Requirements: Annual safety certifications cost Missouri homeowners $150 to maintain discount qualifications.

#9 – Farmers: Best for Innovative Discounts

Pros

• Smart Savings: Technological improvements reduce Missouri premiums by 22% through automated monitoring systems.
• Green Benefits: Energy-efficient homes in Missouri qualify for $48 rates, as verified in recent Farmers review data.
• Customized Discounts: Properties receive average savings of $312 annually based on Missouri-specific safety features.

Cons

• Technology Requirements: Smart home systems cost Missouri residents $950 on average before discount qualification.
• Coverage Complexity: Combining three or more discount programs increases Missouri policy complexity by 40%.

#10 – Allstate: Best for Reward Programs

Pros

• Points System: Claim-free Missouri properties earn 15,000 reward points annually, convertible to premium reductions.
• Claim Benefits: Recent Allstate review data shows Missouri homeowners save $420 yearly through claim forgiveness programs.
• Membership Perks: Long-term Missouri policyholders receive $500 in annual home maintenance service credits.

Cons

• Program Costs: Initial Missouri premiums average 12% higher than competitors to support reward program benefits.
• Redemption Limits: Points expire after 24 months, affecting 35% of Missouri policyholders' reward benefits.

Missouri Home Insurance Comparison: Best & Cheapest Rates

The average cost of homeowners insurance in Missouri varies significantly by provider, with USAA offering the best and cheapest homeowners insurance at just $18 per month for a $200K policy, while Allstate has one of the highest rates at $52.

As Missouri homeowners insurance rate increase trends continue, finding affordable coverage is crucial. Nationwide and Geico also provide competitive pricing, with Nationwide’s $40 rate for a $300K policy being one of the lowest.

Insurance Company	$200K Policy	$300K Policy	$500K Policy
	$52	$78	$148
	$37	$62	$106
	$48	$80	$135
	$32	$54	$90
	$46	$74	$129
	$23	$40	$66
	$35	$58	$98
	$30	$52	$85
	$40	$68	$114
	$18	$32	$50

To secure the best deal, homeowners should compare home insurance quotes in Missouri from multiple providers, balancing affordability with strong coverage options.

Missouri Home Insurance Coverage

When evaluating the best and worst homeowners insurance companies, it's essential to understand that Missouri homeowners insurance coverage needs are uniquely shaped by the state's geological diversity and extreme weather patterns. Standard Missouri home insurance policies typically include:

• Dwelling Coverage: Protects the physical structure of your home.
• Personal Property: Covers belongings inside your home.
• Liability Protection: Safeguards against lawsuits if someone is injured on your property.
• Additional Living Expenses: Pays for temporary housing if your home becomes uninhabitable.

While homeowners insurance rates in Missouri remain competitive, the absence of equipment breakdown and service line coverage across all major insurers highlights a significant gap in standard policies.

Insurance Company	Water Backup	Earthquake	Identity Theft	Equipment Breakdown	Service Line
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	❌	✅	❌	❌
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	❌	✅	✅	❌
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅

Best practices to prevent a fire at your home become especially critical since insurance premiums can increase by up to 30% after fire-related claims.

Interestingly, while water backup and identity theft protection are universally offered, recent data shows that Missouri homeowners file 40% more water-related claims compared to the national average, particularly during spring flooding seasons. This underscores the importance of choosing a provider that not only offers competitive rates but also provides comprehensive coverage for region-specific risks.

Get Cheap Homeowners Insurance in Missouri With Top Discounts

Missouri homeowners insurance rates can vary significantly, but the top 10 homeowners insurance companies in Missouri offer multiple discounts to reduce costs. Bundling policies provides savings of 10-20%, with State Farm offering the highest at 20%. These discounts can substantially lower premium costs for Missouri homeowners who qualify.

Insurance Company	Bundling	Claim-Free	Home Security	New Home	Loyalty
	15%	20%	10%	5%	8%
	10%	22%	12%	6%	10%
	12%	25%	14%	8%	7%
	18%	15%	8%	4%	12%
	14%	20%	9%	5%	6%
	11%	18%	10%	7%	9%
	16%	21%	11%	9%	10%
	20%	24%	15%	6%	12%
	13%	16%	7%	4%	8%
	10%	23%	12%	5%	11%

Installing security systems also lowers the average home insurance cost in Missouri. When considering home insurance in Missouri, buyers should explore available discounts and ask key questions to ask when buying a house to maximize savings.

Choosing the Right Homeowners Insurance for Missouri’s Risks

Finding the best homeowners insurance in Missouri requires careful consideration of the state's risks, with rates averaging $35 monthly per $100,000 in home value. MO home insurance costs reflect the state's frequent natural disasters, including 33 severe storms and 22 floods since 1953.

Top providers stand out: USAA at $18 monthly with 48-hour claims resolution, Nationwide at $23 monthly with identity theft protection, and State Farm at $30 monthly with extensive local support. To avoid losing on a home insurance claim, choose insurers with strong disaster coverage and proven claims satisfaction ratings in Missouri's challenging environment.

Find the cheapest home insurance today by entering your ZIP code into our free comparison tool.