The Best Homeowners Insurance Companies in Missouri
Missouri homeowners face elevated weather risk from severe convective storms (hail, straight-line winds, tornadoes), winter ice, flooding, and earthquake exposure from the New Madrid Seismic Zone. Those risks have contributed to higher premiums and tighter coverage terms statewide. Multiple consumer research sources place Missouri’s typical 2025 homeowners premium in the mid–$2,000s to around $3,000 for common coverage profiles, a notable increase compared with the state’s most recent official 2022 average expenditure baseline from the Insurance Information Institute (III). This trend aligns with the surge in U.S. billion‑dollar weather disasters documented by NOAA and broader insurance price inflation reflected in the BLS CPI.
After reviewing current pricing benchmarks, financial strength, coverage flexibility, and service experience, we highlight Garrison Property and Casualty (part of the USAA group and available to the military community) alongside widely available options like State Farm, AAA (via local club partners), and American Family. State Farm and the USAA group consistently feature in national evaluations of the best homeowners insurance. For up‑to‑date satisfaction comparisons, see the 2025 J.D. Power U.S. Home Insurance Study (USAA commonly appears but is not rank eligible).
The 4 Best Homeowners Insurance Companies in Missouri
- Garrison Property and Casualty Insurance Company: Best Overall
- AAA: Best For Bundling With Auto Insurance
- State Farm: Best Web Experience
- American Family Insurance: Best For New Homebuyers
Compare Missouri’s Top Insurance Companies
| Company | Average Annual Premium* | AM Best Financial Strength | J.D. Power Overall Customer Satisfaction** |
| Garrison Property and Casualty Insurance Company (USAA subsidiary) | Statewide modeled average (MO HO-3): mid–$2,000s to ~ $3,000* | A++*** | Not rank eligible** |
| AAA | Statewide modeled average benchmark: see sources* | Varies by club/underwriter; verify**** | Varies by club/region** |
| State Farm | Statewide modeled average benchmark: see sources* | A++ | See 2025 study** |
| American Family Insurance | Statewide modeled average benchmark: see sources* | A | See 2025 study** |
Information current as of 2025.
*Missouri averages reflect 2025 modeled statewide benchmarks from Bankrate, NerdWallet, and Policygenius based on standardized profiles (typically ~$250,000–$300,000 dwelling coverage and a $1,000 deductible). Actual premiums vary by ZIP code, roof age/material, credit tier, loss history, and deductible choices.
**2025 J.D. Power U.S. Home Insurance Study, 1,000-point scale; USAA commonly appears but is not rank eligible. AAA satisfaction varies by local club and underwriting partner.
***AM Best rating corresponds to the USAA group; eligibility is limited to the military community. See rating definitions at AM Best.
****AAA-branded homeowners policies are written through regional clubs/affiliates. Financial strength varies by underwriting company; verify current FSRs via the AM Best Rating Center.
Garrison Property and Casualty
Garrison (part of the USAA group) stands out for financial strength and catastrophe-readiness, including options for earthquake endorsements in Missouri. Eligibility is generally limited to current and former military members and their families. Pricing reflects Missouri’s elevated hail/tornado exposure and roof characteristics, but many eligible households find strong value paired with highly regarded service and digital claims tools.
Best Overall
Why we chose it
Why we chose it
Pros
- Earthquake coverage available via endorsement or stand-alone; strong catastrophe support
- Financially strong (USAA group) and well-rated claims experience
Cons
- Eligibility limited to military community (USAA membership rules apply)
- Online access and quotes require USAA login
Discounts available
- Save 10% if you bundle with auto
- Claims-free 10% discount
- Home security system discount
Unique features
Digital-first claims tools (photo/video upload, virtual inspections) and proactive status updates are increasingly standard across top carriers; these features are associated with better property-claims satisfaction in J.D. Power’s property claims research and broader industry adoption of AI-assisted triage noted by Deloitte.
*See 2025 statewide modeled benchmarks from Bankrate, NerdWallet, and Policygenius.
**2025 J.D. Power U.S. Home Insurance Study; USAA appears but is not rank eligible.
AAA
The American Automobile Association (AAA) is a member organization; homeowners policies are offered through regional clubs and affiliated underwriters. Bundling home and auto can be price‑competitive in many Missouri ZIP codes, but rates, discounts, and even AM Best ratings vary by club and underwriting company. Digital service options and claims features differ by partner, so confirm specifics with your local AAA club.
Best for Bundling with Auto
Why we chose it
Why we chose it
Pros
- Often competitive when bundling home and auto
- Local club discounts and benefits beyond insurance
- Optional add-ons to customize coverage
Cons
- Requires AAA membership first
- You may need to place auto with AAA before accessing home
- Underwriting and claims experience vary by local partner
Discounts available
- Retired member discount
- Claims-free
- Renovated home
- Hail-resistant roof
Unique features
Many local clubs offer home systems protection and digital claims features such as online FNOL and photo upload. Virtual inspections and proactive status updates are increasingly common across the industry per J.D. Power’s property claims study and Deloitte’s insurance outlook.
*See 2025 statewide modeled benchmarks from Bankrate, NerdWallet, and Policygenius.
**2025 J.D. Power U.S. Home Insurance Study; performance varies by local club and underwriter.
State Farm
State Farm combines broad availability and strong financials with an intuitive online experience. Quote, policy changes, bill pay, and claims can be handled via web or app; virtual inspections and photo uploads can accelerate simple claims, while complex losses receive adjuster support. Educational content (e.g., Simple Insights) helps new homeowners understand coverages and deductibles.
Best Web Experience
Why we chose it
Why we chose it
Pros
- Financially strong
- Excellent web presence
- 19,000+ agents nationally
- Informative blog
Cons
- Limited discounts
- Higher premiums
Discounts available
- Multiple policy discount
- Fire, smoke, or burglar alarms discount
- Impact-resistant roof discount
Unique features
State Farm’s site and app support quotes, digital FNOL, photo/video upload, and claim status tracking. These capabilities align with higher satisfaction drivers identified in J.D. Power’s property claims study and industry investments in AI-enabled claims triage noted by Deloitte.
*See 2025 statewide modeled benchmarks from Bankrate, NerdWallet, and Policygenius.
**2025 J.D. Power U.S. Home Insurance Study, 1,000-point scale
Further Reading on State Farm:
American Family Insurance
American Family is a solid fit for first‑time buyers who want guidance and flexible endorsements. It pairs education tools with a streamlined digital experience and 24/7 claims. Pricing trends in Missouri follow broader market pressures from hail/wind and reinsurance, so compare quotes with identical coverage limits and deductibles.
Best for New Homebuyers
Why we chose it
Why we chose it
Pros
- Customizable coverage options
- Good customer satisfaction ratings
- Solid financial ratings
- Helpful digital resources for new homebuyers & 24/7 claims center
Cons
- Limited availability
Discounts available
- Smart home discount
- Generational discount if your parents are policy holders
- Renovated home discount
Unique features
Virtual claim options and app-based status tracking support faster cycle times for simple losses, consistent with findings from J.D. Power’s property claims study; many carriers are also scaling AI-assisted claim triage per Deloitte.
*See 2025 statewide modeled benchmarks from Bankrate, NerdWallet, and Policygenius.
**2025 J.D. Power U.S. Home Insurance Study.
Further Reading on American Family:
- American Family Homeowners Insurance Review
- American Family Renters Insurance Review
- American Family Auto Insurance Review
Average Cost of Homeowners Insurance in Missouri
Current 2025 modeled statewide averages from major consumer researchers indicate a typical Missouri homeowners policy costs in the mid–$2,000s to around $3,000 per year for common quote profiles (roughly $250,000–$300,000 in dwelling coverage, $1,000 deductible). See Bankrate, NerdWallet, and Policygenius for their exact coverage assumptions. Compared with Missouri’s latest official 2022 average homeowners expenditure compiled by III (NAIC), today’s modeled averages are roughly 35%–70% higher. Price pressure reflects repeated severe storm losses (see NOAA) and broad insurance premium inflation captured in the BLS CPI.
- Home size and rebuild cost
- Location and hail/tornado exposure
- Roof age and material
- Coverage amounts and endorsements
- Discounts and mitigation (e.g., impact‑resistant roof)
- Credit tier
- All‑peril and wind/hail deductibles
Home Insurance Add-Ons That May Further Protect You
Missouri sees frequent micro‑earthquakes tied to the New Madrid Seismic Zone and recurring severe storms and flooding. Standard HO‑3 policies exclude earthquake and flood. The USGS 2024 National Seismic Hazard Model reaffirms earthquake risk, while flood risk is managed through the NFIP’s Risk Rating 2.0 pricing and a growing private flood market. Consider the following:
- Earthquake coverage: Purchase as an endorsement or stand‑alone policy; deductibles are typically a percentage of Coverage A (often 10%–20%+) per the NAIC. USGS’s updated model underscores ongoing risk in and around southeast Missouri.
- Sinkhole protection: Though relatively rare, the U.S. Geological Survey names Missouri as one of the seven states where sinkholes occur most often. Discuss availability and underwriting with your carrier.
- Flood insurance and water damage insurance: Homeowners insurance excludes flood. Consider an NFIP policy via the National Flood Insurance Program or a private policy (lender permitting). NFIP pricing under Risk Rating 2.0 reflects property‑specific risk; federal purchase requirements apply to properties in Special Flood Hazard Areas with federally related mortgages (see FEMA and CRS).
- Crop insurance: For farm properties, separate policies may be needed to address drought, flood, and other perils.
The Cheapest Homeowner Insurance Companies in Missouri
| Homeowner Insurance Companies | Average Annual Premium* |
| USAA | Eligibility required; see 2025 statewide modeled company comparisons on Bankrate, Policygenius, and NerdWallet |
| AAA | Varies by local club/underwriter; see 2025 statewide modeled comparisons in sources above |
| Travelers | See 2025 statewide modeled company comparisons in sources above |
| Allstate | See 2025 statewide modeled company comparisons in sources above |
| State Farm | See 2025 statewide modeled company comparisons in sources above |
| American Family | See 2025 statewide modeled company comparisons in sources above |
| Shelter | See 2025 statewide modeled company comparisons in sources above |
*Figures in 2025 vary by standardized profile (often $250,000–$300,000 dwelling coverage, $1,000 deductible). For current, carrier‑level Missouri comparisons, see Bankrate, Policygenius, and NerdWallet. USAA is limited to the military community.
Top 3 Cheapest Homeowners Insurance Companies in Missouri
- USAA: Often among the lowest for eligible military households; verify pricing against 2025 benchmarks from Bankrate, Policygenius, and NerdWallet.
- AAA: Competitive when bundled with auto in many ZIP codes; results vary by local club and underwriting partner.
- Travelers: Frequently competitive for newer roofs and when selecting higher wind/hail deductibles; always compare like‑for‑like coverage and deductibles.
Top 3 Most Expensive Homeowners Insurance Companies in Missouri
- Shelter: Can trend higher in some ZIP codes based on roof age, loss history, and wind/hail deductibles.
- American Family: Broader endorsements and lower deductibles can raise premiums; compare configurations.
- State Farm: Rates vary widely by ZIP code, roof condition/material, and coverage limits — compare multiple quotes with identical limits.
Helpful Resources for Missouri Homeowners
Most insurance shopping can be done online — including comparing quotes . Expect questions about roof age/material, updates to electrical/plumbing, and recent renovations. Having an inspection report and roof documentation ready can streamline quoting and may qualify you for mitigation credits (e.g., impact‑resistant roof). After major storms, carriers may apply binding moratoria or increase wind/hail deductibles; review your declarations each renewal. For context on disaster trends and risk, see NOAA’s Billion‑Dollar Disasters.
If you are looking for useful resources to understand homeowners insurance in Missouri you can check:
- Missouri’s Department of Commerce & Insurance guide for homeowners insurance that includes a helpful how-to guide on reading and understanding your policy.
- A list of earthquake coverage insurers compiled by the Department of Insurance, Financial Institutions and Professional Registration.
- An article about how to estimate your homeowners insurance
- Find answers to the most common homeowners insurance questions
Homeowners Insurance FAQ
Methodology
We evaluated companies using third‑party benchmarks for customer experience and financial stability, plus coverage options and digital capabilities, to determine strong providers for Missouri homeowners.
To compare home insurance companies across the board, we considered the following factors:
- Customer Ratings — We referenced the latest 2025 J.D. Power Home Insurance Study for homeowners satisfaction and recent trends.
- Coverage — We reviewed core HO‑3 protections and available endorsements (e.g., water backup, equipment breakdown, earthquake) to support different risk profiles.
- Confidence — Financial strength matters for claim‑paying ability. We considered AM Best ratings and definitions (rating guide); verify current FSRs via the AM Best Rating Center.
- Customer Experience — We also accounted for claim handling expectations highlighted in J.D. Power’s property claims study, including digital FNOL, virtual inspections, and proactive communication.
Rates and averages cited reflect 2025 modeled statewide benchmarks from Bankrate, NerdWallet, and Policygenius using standardized profiles. For historical context, we referenced the III summary of NAIC’s 2022 state average homeowners expenditures. Extreme weather context comes from NOAA’s Billion‑Dollar Disasters and broader premium inflation from the BLS CPI. These figures are for comparison only; your quotes may differ.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). For earthquake and flood, separate endorsements or policies are needed; earthquake deductibles typically run 10%–20%+ of Coverage A (NAIC), and flood purchase requirements apply in Special Flood Hazard Areas with federally related mortgages (FEMA).
