Best Homeowners Insurance Companies in Missouri

AAA ranks No. 1 in our review of the best home insurance in Missouri, followed by USAA and State Farm.

See if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: January 29, 2026

Advertising & Editorial Disclosure

Missouri's Top Home Insurance Companies: Key Takeaways

AAA is the best home insurance provider in Missouri with a score of 4.6 out of 5 from our review team.

USAA, State Farm, American Family and Nationwide rank high for homeowners insurance in Missouri based on affordable rates, strong customer service and reliable coverage.

The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.

Missouri homeowners pay rates below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Missouri.

What Are the Best Home Insurance Companies in Missouri?

AAA ranks first for Missouri homeowners with the state's lowest premiums and above-average customer satisfaction. USAA, State Farm, American Family and Nationwide complete the top five, excelling in areas like military-focused service, premium coverage quality and local agent networks.


AAA	4.6	$1,617	Most Missouri homeowners
USAA	4.8	$2,464	Military families
State Farm	4.3	$2,944	Customer satisfaction
American Family	4.1	$4,340	Financial stability
Nationwide	4.0	$2,584	Digital tools

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile.

**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.

AAA

MoneyGeek Rating

4.6/ 5

5/5Affordability

3.8/5Customer Experience

5/5Coverage

J.D. Power Customer Satisfaction Score
N/A
Average Annual Premium
$1,617

pros
- Extensive agent network for personalized, local support
- High financial stability ratings ensure reliable claims payment
- Strong financial foundation with excellent industry scores
cons
- Limited coverage availability in certain Missouri regions
- Fewer additional coverage options than major competitors
- Geographic restrictions affect some homeowners' access
AAA offers Missouri's most affordable home insurance at $1,617 annually. The company provides extensive personal property coverage that protects belongings against various risks common in Missouri. Its policy includes water backup coverage, crucial for homeowners in flood-prone areas throughout the state.

AAA charges $1,617 annually for home insurance in Missouri, 45% less than the state average of $2,939 and lower than the national average of $3,467. The company offers bundling discounts for multiple policies and home security system discounts.


Older Homes	$137	$1,648
Newer Homes	$113	$1,353
Young Homeowners	$135	$1,621
Senior Homeowners	$124	$1,493
High-Risk Fire Homes	$151	$1,811
Smaller Homes	$139	$1,674
Larger Homes	$161	$1,931

AAA operates through local independent agents who provide personalized service and local expertise. The company's online platform offers basic policy management but lacks the advanced digital tools found with tech-focused competitors. AAA's J.D. Power scores vary by regional chapter, with some scoring above and others below the 642-point industry average. You can verify AAA scores for your area through the J.D. Power home insurance study.
AAA provides standard homeowners coverage with optional add-ons:
- Equipment breakdown: Covers repair or replacement of home systems and appliances after mechanical failure
- Water backup: Covers damage from water backing up through sewers or drains
- Identity theft protection: Provides assistance and coverage for identity theft recovery expenses
- Service line coverage: Covers repair costs for underground service lines damaged due to various causes
- Scheduled personal property: Offers additional coverage for high-value items like jewelry or art
- Inland flood: Covers flood damage not included in standard policies
- Green Upgrades: Covers costs for eco-friendly upgrades after a covered loss
- Cyber Protection: Covers losses related to cyber attacks or data breaches
- Umbrella Coverage: Provides additional liability coverage beyond standard policy limits

USAA

MoneyGeek Rating

4.8/ 5

4.6/5Affordability

5/5Customer Experience

4.9/5Coverage

J.D. Power Customer Satisfaction Score
737/1,000
Average Annual Premium
$2,464

pros
- User-friendly digital tools for policy management and claims
- Dedicated agents provide personalized support for military families
- Coverage options designed for military households
cons
- Available only to military-affiliated individuals
- More limited geographic availability than major insurers
- Fewer add-on coverage options than mainstream competitors
USAA offers Missouri's most affordable home insurance for military families at $2,464 annually. Its policy includes replacement cost coverage, which pays to rebuild your home without depreciation deductions. USAA also covers military uniforms and gear, protection you won't find with most insurers.

USAA charges $2,464 annually for home insurance in Missouri, 16% less than the state average of $2,939 and below the national average of $3,467. Military families and eligible members save hundreds compared to typical Missouri rates. Bundle multiple policies or add home security systems to further reduce costs.


Older Homes	$206	$2,471
Newer Homes	$120	$1,436
Young Homeowners	$209	$2,505
Senior Homeowners	$209	$2,509
High-Risk Fire Homes	$230	$2,761
Smaller Homes	$185	$2,215
Larger Homes	$225	$2,698

USAA earned 737 out of 1,000 points in the J.D. Power customer satisfaction study, well above the industry average of 642. The company operates with a digital-first model while offering direct service for personalized help. USAA's online platform handles most policy management and claims tasks, though you can contact agents when needed.
USAA provides standard homeowners coverage with military-focused add-ons:
- Replacement cost: Rebuilds your home without depreciation deductions
- Military uniform: Protects service members' uniforms and gear from loss or damage
- Personal property: Covers belongings at replacement cost value
- Liability coverage: Protects against lawsuits and medical claims
- Additional living expenses: Pays temporary housing costs during repairs
- Detached structure: Covers garages, sheds and other separate buildings

State Farm

MoneyGeek Rating

4.3/ 5

4.4/5Affordability

4.3/5Customer Experience

3.7/5Coverage

J.D. Power Customer Satisfaction Score
657/1,000
Average Annual Premium
$2,944

pros
- J.D. Power score exceeds industry average for customer satisfaction
- Competitive pricing matches state average
- Extensive customizable coverage options for diverse homeowner needs
cons
- Claims processing slows during peak demand periods
- Limited coverage availability in certain Missouri areas
- Service gaps affect accessibility in some regions
At $2,944 per year, State Farm delivers competitive home insurance for Missouri residents with optional replacement cost coverage that pays full rebuilding costs without depreciation. Personal property protection covers electronics, furniture and other possessions Missouri homeowners rely on every day. The coverage structure provides financial security when tornadoes or other disasters damage homes and belongings.

Missouri residents pay $2,944 annually for State Farm home insurance, matching the state's $2,939 average while staying below the $3,467 national rate. Bundle multiple policies together or add home security systems to reduce your annual cost.


Older Homes	$249	$2,983
Newer Homes	$176	$2,115
Young Homeowners	$246	$2,952
Senior Homeowners	$245	$2,944
High-Risk Fire Homes	$275	$3,298
Smaller Homes	$254	$3,043
Larger Homes	$293	$3,510

State Farm scored 657 out of 1,000 points in J.D. Power's home insurance study, beating the 642 industry average by 15 points. Local independent agents across Missouri provide service informed by regional knowledge and homeowner needs. The company's online tools handle basic policy management, though they don't match the advanced features tech-focused insurers offer.
State Farm provides standard homeowners coverage with optional enhancements:
- Replacement cost coverage: Rebuilds your home without depreciation deductions
- Personal property coverage: Protects electronics, furniture and valuable possessions
- Dwelling protection: Covers your home's structure against covered perils
- Liability coverage: Protects against lawsuits from injuries on your property
- Additional living expenses: Pays emporary housing costs during repairs
- Medical payments: Covers minor injuries to guests regardless of fault

American Family Insurance

MoneyGeek Rating

4.1/ 5

4.1/5Affordability

4.5/5Customer Experience

3.5/5Coverage

J.D. Power Customer Satisfaction Score
643/1,000
Average Annual Premium
$4,340

pros
- J.D. Power score exceeds industry average for customer satisfaction
- Strong financial stability with high credit ratings
- Solid reputation backed by excellent financial strength ratings
cons
- Claims processing can experience delays during busy periods
- Limited coverage availability in certain geographic areas
- Not available in all states
American Family offers comprehensive home insurance in Missouri at $4,340 annually. The insurer offers optional personal property replacement cost coverage, which pays full value for lost items rather than depreciated amounts. Identity theft coverage addresses growing cybersecurity concerns for Missouri homeowners. American Family works well for homeowners who prioritize comprehensive protection and personalized agent relationships over the lowest pricing.

American Family charges $4,340 annually for home insurance in Missouri, 48% above the state average of $2,939 and 25% above the national average of $3,467. Bundle multiple policies or add home security systems to help offset the higher Missouri costs.


Older Homes	$370	$4,435
Newer Homes	$263	$3,159
Young Homeowners	$357	$4,283
Senior Homeowners	$362	$4,345
High-Risk Fire Homes	$405	$4,863
Smaller Homes	$336	$4,034
Larger Homes	$376	$4,507

American Family earned 643 out of 1,000 points in J.D. Power customer satisfaction ratings, slightly above the industry average of 642. The company operates through local independent agents who provide personalized service tailored to Missouri homeowners' needs. American Family complements agent service with a user-friendly online platform for policy management.
American Family provides standard homeowners coverage with valuable optional add-ons:
- Personal property replacement cost: Covers belongings at full replacement value rather than depreciated worth
- Identity theft coverage: Protects against identity fraud expenses and restoration costs
- Bundling discounts: Reduces premiums when combining home insurance with auto or other policies
- Home security system discounts: Lowers rates for properties with qualifying security equipment

Nationwide

MoneyGeek Rating

4.0/ 5

4.6/5Affordability

4.2/5Customer Experience

1.7/5Coverage

J.D. Power Customer Satisfaction Score
641/1,000
Average Annual Premium
$2,584

pros
- User-friendly digital tools simplify policy management
- Most affordable rates for Missouri homeowners
- Competitive pricing near the state average
cons
- Claims process can be slow and cumbersome
- Limited availability in some Missouri areas
- Service coverage gaps in certain regions
At $2,584 annually, Nationwide provides Missouri homeowners with competitive insurance rates and valuable optional coverage. Available endorsements include water backup coverage for sewer and drain backups and replacement cost coverage for personal belongings. The combination of affordability and protection options makes Nationwide worth considering for Missouri residents.

Nationwide's annual premium of $2,584 falls below Missouri's $2,939 state average and well below the $3,467 national average. Missouri homeowners pay 12% less than their neighbors and 27% less than the national rate. You can lower your premium by bundling policies or installing home security systems.


Older Homes	$224	$2,693
Newer Homes	$159	$1,903
Young Homeowners	$217	$2,608
Senior Homeowners	$215	$2,584
High-Risk Fire Homes	$241	$2,895
Smaller Homes	$223	$2,672
Larger Homes	$257	$3,083

Nationwide scored 641 out of 1,000 points in J.D. Power's customer satisfaction study, just one point below the 642 industry average. Local independent agents provide personalized service and help Missouri homeowners customize coverage options. The company's online platform offers digital tools for policy management and claims filing for customers who prefer handling insurance tasks themselves.
Nationwide provides standard homeowners coverage with optional add-ons:
- Water backup coverage: Protects against damage from sewer and drain backups
- Replacement cost coverage: Ensures full value recovery for personal belongings after a loss
- Dwelling coverage: Protects your home's structure from covered perils
- Personal liability: Covers legal expenses if someone is injured on your property
- Additional living expenses: Pays for temporary housing during home repairs
- Personal property protection: Covers belongings damaged by covered events

Best Missouri Home Insurance by City

AAA leads home insurance across Missouri, ranking as the top provider in 10 cities, including Kansas City, Saint Louis, Columbia, Springfield, Independence, Blue Springs, Branson, Wentzville, Morrisville and Lilbourn. Annual premiums range from $1,282 in Wentzville to $1,825 in Kansas City.


Blue Springs	AAA	$1,676
Branson	AAA	$1,709
Columbia	AAA	$1,467
Independence	AAA	$1,802
Kansas City	AAA	$1,825
Lilbourn	AAA	$1,437
Morrisville	AAA	$1,716
Saint Louis	AAA	$1,484
Springfield	AAA	$1,692
Wentzville	AAA	$1,282

Cheapest Missouri Home Insurance Companies

Missouri homeowners pay $2,939 annually for home insurance, 15% less than the national average of $3,467. AAA offers the state's most affordable home insurance at $1,617 annually, 45% below the state average. USAA ranks second at $2,464 per year, though it's only available to military members, veterans, and their families. Premium costs vary across insurers, with American Family charging 25% more than the national benchmark.

Cheapest Home Insurers in Missouri Chart

Guide to Finding the Best Missouri Home Insurance Company

Compare multiple providers based on your coverage needs, budget and service preferences.

Compare Quotes Strategically

Get quotes from at least three to five insurers. Premiums among top Missouri providers range from $1,617 to $4,340 annually. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.

Check Customer Satisfaction Metrics

Research complaint ratios through Missouri's Department of Insurance, Financial Institutions and Professional Registration, then examine J.D. Power scores ranging from 641 to 737 among leading Missouri insurers versus the 642 industry average. Focus on recent customer reviews that detail claims handling during tornado season rather than just policy purchase experiences.

Evaluate Coverage Needs

Base your coverage on replacement cost rather than market value, which becomes critical in Missouri, where construction costs surge after tornadoes and flooding. Review extended or guaranteed replacement cost options alongside optional protections like wind/hail coverage and flood insurance that address your home's specific weather risks.

Match Service Preferences to Provider Strengths

Choose insurers with local agent networks like State Farm if you want face-to-face support or digital-first insurers like USAA if you prefer online policy management. Don't pay premium prices for services you won't use.

MISSOURI HOME INSURANCE RISKS

Between 2019 and 2023, Missouri averaged 45 tornadoes per year, ranking among the top states for tornado frequency, according to the National Weather Service. Missouri faces a tornado risk that homeowners need to understand for proper insurance protection. Standard homeowners insurance covers tornado and wind damage to your property, but it doesn't cover flood damage that often follows severe storms. You'll need separate flood insurance through your insurer or the National Flood Insurance Program.

Top-Rated Home Insurance Companies in Missouri: FAQ

Explore our FAQ section for answers to common questions about selecting the right Missouri home insurance provider for your needs.

Do I need separate flood insurance in Missouri?

Yes, you need separate flood insurance in Missouri because standard homeowners policies don't cover flood damage that frequently follows the state's severe storms and tornadoes. You can purchase flood insurance through your current insurer or the National Flood Insurance Program to protect against water damage from flooding events.

How much does home insurance cost in Missouri compared to the national average?

Missouri homeowners pay $2,939 annually for home insurance, which is 15% less than the national average of $3,467. Rates vary significantly by provider, with AAA offering the most affordable coverage at $1,617 annually and American Family charging $4,340 per year.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays to rebuild your home or replace belongings at current prices without deducting for depreciation. Actual cash value coverage subtracts depreciation from claim payments. You receive less money based on your property's age and condition. Actual cash value policies cost less up front but leave you covering more expenses out of pocket after a loss.

Can I get home insurance if I have a trampoline or swimming pool?

Yes, you can get home insurance with a trampoline or swimming pool, but Missouri insurers consider these features liability risks. Many companies require higher premiums, additional liability coverage or safety equipment like nets and padding for trampolines or fencing with self-closing gates for pools. Some insurers may exclude coverage for these features entirely. Consider securing at least $300,000 in liability coverage to protect against potential accidents.

Our Methodology: Determining the Best Missouri Home Insurers

Missouri homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.

We scored insurers across three factors:

Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.

Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback reveal how insurers handle claims after storms damage your home.

Coverage options (15%): We assessed add-on availability, including water backup protection and inland flood options for Missouri's risks.

Our Sample Profile

Rates reflect a homeowner aged 41-60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.

Your rates will vary based on your home's age, location, claims history and credit score.

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.

Read Full Bio »

sources

National Weather Service. "National Weather Service." Accessed February 7, 2026.