The best home insurance companies in Missouri are American Family, Nationwide, State Farm, AAA and Allstate. Nationwide ranks first for both coverage options and affordability, while American Family excels in customer service. Compare all our top picks below.
Best Homeowners Insurance in Missouri
Updated: June 20, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Missouri are American Family, Nationwide and State Farm.
American Family offers the best overall home insurance for most Missouri homeowners. For those with newer homes, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Missouri?
| American Family | 92 | 2 | 1 | 2 |
| Nationwide | 89 | 1 | 4 | 1 |
| State Farm | 87 | 4 | 2 | 3 |
| AAA | 80 | 3 | 3 | 5 |
| Allstate | 70 | 5 | 5 | 3 |
*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 specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| American Family | 92 | Overall |
| American Family | 93 | Older Homes |
| Nationwide | 89 | Newer Homes |
| American Family | 93 | High-Fire-Risk Areas |
| American Family | 93 | Bad Credit |
| American Family | 93 | With Claims History |
Best Missouri Home Insurance by City
Home insurance provider rankings in Missouri cities vary in policy affordability, local customer service and available add-on coverage options. For instance, American Family ranks best in Columbia and Kansas City, while Nationwide tops the list in Independence and Springfield. We've outlined the top options for each city to help you choose the best provider for your location.
| Columbia | American Family | 89 |
| Independence | Nationwide | 89 |
| Kansas City | American Family | 90 |
| Springfield | Nationwide | 89 |
| St. Louis | American Family | 91 |
Best Missouri Home Insurance Reviews
Explore our top home insurance picks in Missouri, spotlighting the leaders in affordability, customer service excellence, and diverse coverage options.
Nationwide: Best for Affordability and Coverage
Nationwide is the most affordable home insurance provider for most Missouri homeowners, along with being the top option for coverage in the state. It also ranks above the national average in customer service, placing eighth overall and fifth in claims satisfaction, according to J.D. Power. It also offers unique add-ons like better roof replacement and doubling dwelling coverage limits.
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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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $54 | $650 |
| Newer Homes in High-Fire-Risk Areas | $57 | $685 |
| Older Homes | $253 | $3,036 |
| Older Homes in High-Fire-Risk Areas | $267 | $3,200 |
American Family: Best for Customer Service
American Family ranks at the top of our study for customer experience and near the top for affordability and coverage. According to J.D. Power studies, the provider ranks near the average for claims and customer satisfaction. Also, American Family offers unique add-ons like service line coverage, matching siding protection and hidden water damage coverage to provide broader protection for hard-to-spot and aesthetic-related home risks.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $148 | $1,774 |
| Newer Homes in High-Fire-Risk Areas | $148 | $1,774 |
| Older Homes in High-Fire-Risk Areas | $215 | $2,582 |
| Older Homes | $215 | $2,582 |
How to Find the Best Home Insurance in Missouri
Selecting the right insurance can be daunting, so we’ve created a step-by-step guide to help you choose the coverage that suits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Consider your home's value, the personal belongings inside, and local risk factors.
- 2
Research costs and discounts
Figure out how much home insurance costs in Missouri to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Missouri. Evaluate customer service ratings, pricing specific to your needs and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Missouri: Bottom Line
American Family, Nationwide and State Farm are the best homeowners insurance companies in Missouri. While these are strong recommendations, comparing providers can help you find the best fit for your specific needs.
Best Home Insurance in Missouri: FAQ
Discover answers to your common questions about selecting a home insurance provider in Missouri.
Which company is best for home insurance in Missouri?
American Family is the best homeowners insurance provider in Missouri, known for its affordability, exceptional customer service, and robust add-on coverage options. Nationwide, State Farm, AAA and Allstate are also highly-rated alternatives.
Who has the most affordable homeowners insurance in Missouri?
The most affordable homeowners insurance in Missouri varies by individual circumstances and property details. In Missouri, the average cost of homeowners insurance is $1,383 annually.
How do you get the best homeowners insurance in Missouri?
To find the best home insurance in Missouri, assess your coverage needs, evaluate costs and providers, and compare multiple quotes systematically.
How We Decided the Best Home Insurance in Missouri: Our Methodology
We rated the best homeowners insurance providers in Missouri using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
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.