Finding the Best Renters Insurance in Missouri
The average cost of renters insurance in Missouri is approximately $264 per year or around $22 per month. These statistics place Missouri as one of the most expensive states for renters insurance in the nation. The country’s average for renters insurance sits at around $15 per month, or $187 per month, which put the state of Missouri in a significantly higher bracket than most states. While the average cost of renters insurance in Missouri is high, there are some cities where renters insurance is lower. In the city of St. Peters, you can find some of the cheapest average policies. St. Peters averages at $18 per month for basic coverage and $220 per annum. The most expensive city is Kansas City, with a monthly average of $26 and a yearly average of $309.
| Renters Insurance Costs in Missouri | Price |
|---|---|
| Avg. Price of Renters Insurance in Missouri Annually | $334.13 |
| Avg. Price of Renters Insurance in Missouri Per Month | $27.84 |
A Summary of Renters Insurance in Missouri
| City in Missouri | Costs Per Month for Renters Insurance | Average Costs Per Year for Renters Insurance |
|---|---|---|
| Arnold, MO | $20.33 | $244.00 |
| Ballwin, MO | $19.92 | $239.04 |
| Bellefontaine Neighbors, MO | $21.61 | $259.36 |
| Belton, MO | $24.20 | $290.40 |
| Blue Springs, MO | $22.95 | $275.36 |
| Bolivar, MO | $23.79 | $285.44 |
| Branson, MO | $24.35 | $292.16 |
| Bridgeton, MO | $20.95 | $251.36 |
| Cape Girardeau, MO | $22.24 | $266.88 |
| Carthage, MO | $24.84 | $298.08 |
| Chesterfield, MO | $20.24 | $242.88 |
| Clayton, MO | $21.20 | $254.40 |
| Columbia, MO | $21.64 | $259.68 |
| Crestwood, MO | $19.83 | $237.92 |
| Creve Coeur, MO | $20.37 | $244.48 |
| Dardenne Prairie, MO | $19.93 | $239.20 |
| Eureka, MO | $21.27 | $255.20 |
| Excelsior Springs, MO | $23.55 | $282.56 |
| Farmington, MO | $22.01 | $264.16 |
| Ferguson, MO | $22.07 | $264.80 |
| Festus, MO | $21.25 | $255.04 |
| Florissant, MO | $20.75 | $248.96 |
| Fulton, MO | $21.37 | $256.48 |
| Gladstone, MO | $22.81 | $273.76 |
| Grain Valley, MO | $23.25 | $279.04 |
| Grandview, MO | $24.28 | $291.36 |
| Hannibal, MO | $21.33 | $256.00 |
| Harrisonville, MO | $24.09 | $289.12 |
| Hazelwood, MO | $20.91 | $250.88 |
| Independence, MO | $23.52 | $282.24 |
| Jackson, MO | $23.52 | $282.24 |
| Jefferson City, MO | $21.64 | $259.68 |
| Jennings, MO | $22.36 | $268.32 |
| Joplin, MO | $24.97 | $299.68 |
| Kansas City, MO | $24.24 | $290.88 |
| Kennett, MO | $24.84 | $298.08 |
| Kirksville, MO | $21.67 | $260.00 |
| Kirkwood, MO | $20.13 | $241.60 |
| Lake St. Louis, MO | $20.28 | $243.36 |
| Lebanon, MO | $22.81 | $273.76 |
| Lee's Summit, MO | $23.41 | $280.96 |
| Liberty, MO | $23.21 | $278.56 |
| Manchester, MO | $20.16 | $241.92 |
| Marshall, MO | $22.23 | $266.72 |
| Maryland Heights, MO | $20.39 | $244.64 |
| Maryville, MO | $23.72 | $284.64 |
| Mexico, MO | $21.23 | $254.72 |
| Moberly, MO | $21.76 | $261.12 |
| Neosho, MO | $25.03 | $300.32 |
| Nixa, MO | $24.21 | $290.56 |
| O'Fallon, MO | $20.15 | $241.76 |
| Overland, MO | $21.00 | $252.00 |
| Ozark, MO | $24.33 | $292.00 |
| Poplar Bluff, MO | $23.35 | $280.16 |
| Raymore, MO | $23.73 | $284.80 |
| Raytown, MO | $23.89 | $286.72 |
| Republic, MO | $24.47 | $293.60 |
| Rolla, MO | $21.72 | $260.64 |
| Sedalia, MO | $22.32 | $267.84 |
| Sikeston, MO | $23.17 | $278.08 |
| Springfield, MO | $23.48 | $281.76 |
| St. Ann, MO | $21.23 | $254.72 |
| St. Charles, MO | $20.28 | $243.36 |
| St. Joseph, MO | $23.97 | $287.68 |
| St. Louis, MO | $21.49 | $257.92 |
| St. Peters, MO | $20.17 | $242.08 |
| Town and Country, MO | $20.36 | $244.32 |
| Troy, MO | $21.05 | $252.64 |
| Union, MO | $20.95 | $251.36 |
| University City, MO | $21.19 | $254.24 |
| Warrensburg, MO | $23.60 | $283.20 |
| Washington, MO | $20.68 | $248.16 |
| Webb City, MO | $24.71 | $296.48 |
| Webster Groves, MO | $20.16 | $241.92 |
| Wentzville, MO | $20.72 | $248.64 |
| West Plains, MO | $22.21 | $266.56 |
| Wildwood, MO | $20.36 | $244.32 |
Is Renters Insurance Required in Missouri
Many people feel confused by this question. While there is no state-mandated law in place, there may be come Missouri renters insurance requirements- but this is usually dependant on the landlord. Before accepting new tenants, many landlords require potential renters to have some sort of coverage and protection in the form of renters insurance. Despite there being no law in place for renters to have insurance, it is always a good idea to have the value of your personal belongings protected. What's more, should your home become inhabitable, your landlord's insurance will not necessarily cover your rehousing. If this happens to you, where will you and your family go? Without renters insurance, your family could not only lose valuable possessions but also be rendered homeless. Renters insurance is not a legal requirement decreed by the state but is one of the most inexpensive insurance policies that can protect you, your family, and your peace of mind.
How Much is Renters Insurance in Missouri
Renters insurance rates in Missouri are above the nation's average, but despite this, the rates are still relatively affordable. Low-cost renters insurance in Missouri offers some policies for as low as $13 a month, which is well below the nation's average. Renters insurance rates in Missouri will differ from city to city, as we have already mentioned before. Other factors can influence your renter's insurance premium, including the crime rate in your area, the condition the property is in, and the location too. More personal factors will impact your renter's insurance premium as well. Your age and your insurance history will all be taken into account when receiving a quote for your renter's insurance in Missouri. The types of coverage you require, the value of your personal belongings, and the different add on features you choose will all come into play. Let's take a closer look at some of the best renters insurance rates in Missouri. State Farm offers the cheapest renters insurance rates, but these policies will be basic and may not offer complete coverage for everything you want to protect. Nationwide is not the cheapest option, but they do have customizable features for people that are looking for cheaper options in an expensive state. However, Nationwide does not offer many discount features to lower your premiums. While Missouri is among the most expensive states, there is a large gap between cities and companies. According to estimates, there is a $346 difference between the cheapest yearly premium and the most expensive. What this shows us is that while Missouri may not be in the lower percentile as far as the cost of renters insurance goes, there are affordable options available.
| Rate of Renters Insurance in Missouri by County | Costs Per Month | Costs Per Year |
|---|---|---|
| Adair County, MO | $22.77 | $273.20 |
| Andrew County, MO | $24.83 | $298.00 |
| Atchison County, MO | $24.35 | $292.20 |
| Audrain County, MO | $22.38 | $268.60 |
| Barry County, MO | $25.75 | $309.00 |
| Barton County, MO | $25.20 | $302.40 |
| Bates County, MO | $25.55 | $306.60 |
| Benton County, MO | $23.63 | $283.60 |
| Bollinger County, MO | $23.60 | $283.20 |
| Boone County, MO | $22.82 | $273.80 |
| Buchanan County, MO | $24.83 | $298.00 |
| Butler County, MO | $24.35 | $292.20 |
| Caldwell County, MO | $24.23 | $290.80 |
| Camden County, MO | $22.55 | $270.60 |
| Cape Girardeau County, MO | $23.82 | $285.80 |
| Carroll County, MO | $23.58 | $283.00 |
| Carter County, MO | $23.52 | $282.20 |
| Cass County, MO | $24.70 | $296.40 |
| Cedar County, MO | $25.08 | $301.00 |
| Chariton County, MO | $25.20 | $302.40 |
| Christian County, MO | $22.95 | $275.40 |
| Clark County, MO | $25.47 | $305.60 |
| Clay County, MO | $22.62 | $271.40 |
| Clinton County, MO | $23.78 | $285.40 |
| Cole County, MO | $24.87 | $298.40 |
| Cooper County, MO | $22.87 | $274.40 |
| Crawford County, MO | $22.77 | $273.20 |
| Dade County, MO | $23.25 | $279.00 |
| Dallas County, MO | $25.50 | $306.00 |
| Daviess County, MO | $25.23 | $302.80 |
| DeKalb County, MO | $23.78 | $285.40 |
| Dent County, MO | $24.37 | $292.40 |
| Douglas County, MO | $23.47 | $281.60 |
| Dunklin County, MO | $24.53 | $294.40 |
| Franklin County, MO | $24.68 | $296.20 |
| Gasconade County, MO | $22.27 | $267.20 |
| Gentry County, MO | $22.42 | $269.00 |
| Greene County, MO | $24.08 | $289.00 |
| Grundy County, MO | $24.43 | $293.20 |
| Harrison County, MO | $23.27 | $279.20 |
| Henry County, MO | $23.35 | $280.20 |
| Hickory County, MO | $24.18 | $290.20 |
| Holt County, MO | $25.22 | $302.60 |
| Howard County, MO | $24.57 | $294.80 |
| Howell County, MO | $22.67 | $272.00 |
| Iron County, MO | $23.85 | $286.20 |
| Jackson County, MO | $24.05 | $288.60 |
| Jasper County, MO | $24.82 | $297.80 |
| Jefferson County, MO | $25.67 | $308.00 |
| Johnson County, MO | $22.82 | $273.80 |
| Knox County, MO | $24.43 | $293.20 |
| Laclede County, MO | $22.53 | $270.40 |
| Lafayette County, MO | $24.47 | $293.60 |
| Lawrence County, MO | $24.15 | $289.80 |
| Lewis County, MO | $25.65 | $307.80 |
| Lincoln County, MO | $22.78 | $273.40 |
| Linn County, MO | $22.58 | $271.00 |
| Livingston County, MO | $22.83 | $274.00 |
| Macon County, MO | $23.17 | $278.00 |
| Madison County, MO | $22.87 | $274.40 |
| Maries County, MO | $24.30 | $291.60 |
| Marion County, MO | $23.12 | $277.40 |
| McDonald County, MO | $26.50 | $318.00 |
| Mercer County, MO | $23.10 | $277.20 |
| Miller County, MO | $23.22 | $278.60 |
| Mississippi County, MO | $23.80 | $285.60 |
| Moniteau County, MO | $22.73 | $272.80 |
| Monroe County, MO | $22.53 | $270.40 |
| Montgomery County, MO | $22.60 | $271.20 |
| Morgan County, MO | $23.42 | $281.00 |
| New Madrid County, MO | $24.52 | $294.20 |
| Newton County, MO | $25.97 | $311.60 |
| Nodaway County, MO | $23.97 | $287.60 |
| Oregon County, MO | $24.20 | $290.40 |
| Osage County, MO | $23.12 | $277.40 |
| Ozark County, MO | $24.33 | $292.00 |
| Pemiscot County, MO | $25.12 | $301.40 |
| Perry County, MO | $23.17 | $278.00 |
| Pettis County, MO | $23.43 | $281.20 |
| Phelps County, MO | $23.10 | $277.20 |
| Pike County, MO | $22.68 | $272.20 |
| Platte County, MO | $24.05 | $288.60 |
| Polk County, MO | $25.38 | $304.60 |
| Pulaski County, MO | $23.70 | $284.40 |
| Putnam County, MO | $22.98 | $275.80 |
| Ralls County, MO | $22.55 | $270.60 |
| Randolph County, MO | $22.82 | $273.80 |
| Ray County, MO | $24.38 | $292.60 |
| Reynolds County, MO | $24.87 | $298.40 |
| Ripley County, MO | $24.75 | $297.00 |
| Saline County, MO | $23.18 | $278.20 |
| Schuyler County, MO | $22.88 | $274.60 |
| Scotland County, MO | $22.87 | $274.40 |
| St. Louis County, MO | $22.15 | $265.80 |
| Ste. Genevieve County, MO | $23.35 | $280.20 |
| Stoddard County, MO | $23.93 | $287.20 |
| Stone County, MO | $26.00 | $312.00 |
| Sullivan County, MO | $23.18 | $278.20 |
| Taney County, MO | $25.32 | $303.80 |
| Texas County, MO | $24.35 | $292.20 |
| Vernon County, MO | $25.55 | $306.60 |
| Warren County, MO | $22.42 | $269.00 |
| Washington County, MO | $23.40 | $280.80 |
| Wayne County, MO | $24.07 | $288.80 |
| Webster County, MO | $25.23 | $302.80 |
| Worth County, MO | $24.08 | $289.00 |
| Wright County, MO | $24.77 | $297.20 |
What Does Renters Insurance Cover in Missouri
Ultimately, what the renter insurance will cover will be up to you. There are multiple policies to select from, and some have added features for you to tailor your renter's insurance to make the most out of the premium you pay. Higher priced premiums will offer more extensive coverage, while lower-priced premiums will not have as much covered; this is obvious. But what may not be so clear is how to get an affordable renters insurance rate in Missouri that covers everything you value most. Even the most basic policies will cover personal property coverage, personal liability protection, medical payments for injuries occurring at your home, additional living expenses, and deductibles can be taken into account too. A typical insurance policy covers your belongings in the event of theft and damage from fire, storm, smoke, and even vandalism. These are just a few of the minimum coverages you should expect, along with several other common calamities that can result in your everyday life. One feature to be on the lookout for is rehousing and shelter if your rented property becomes inhabitable. Your landlord's insurance typically covers structural issues, and the landlord cannot usually be help liable for rehousing you and your family should the house become suddenly inhospitable.
Best Renters Insurance Companies in Missouri Based on Consumer Ratings
The best renters insurance companies in Missouri can be found with some simple reviewing and investigation. You don't have to do any of that- all you need to do is sit back and read this article (we've already done the legwork for you). So, how do you find the best renters insurance companies in Missouri? Firstly, if you are looking to save money, you should forget that the cheapest policy is the best policy. Cheap policies can end up costing you more money in the end. A cost-effective policy, on the other hand, means that your money is working for you. Our favourite renter insurance companies in Missouri are based on a mixture of affordability, coverage, and customer service. With these three factors in mind, we found that Statefarm was one of the best companies because they offer the cheapest options for those looking for basic coverage. For those looking for a more extensive coverage option, Nationwide is the go-to insurance provider. There are many military families living in Missouri, and if you're part of a military family, you will find that USAA can offer extensive coverage at a standard price.
| Renters Insurance Company In Missouri | JD Power Rating | NAIC Rating |
|---|---|---|
| Allstate Ratings for Renters Insurance in Missouri | 3/5 | 0.31 |
| American Family Ratings for Renters Insurance in Missouri | 3/5 | 0.69 |
| Liberty Mutual Ratings for Renters Insurance in Missouri | 2/5 | 0.53 |
| Nationwide Ratings for Renters Insurance in Missouri | 2/5 | 0.4 |
| Progressive Ratings for Renters Insurance in Missouri | N/A | 0.8 |
| State Farm Ratings for Renters Insurance in Missouri | 4/5 | 0.2 |
| Travelers Ratings for Renters Insurance in Missouri | 2/5 | 0.3 |
| USAA Ratings for Renters Insurance in Missouri | 5/5 | 0.33 |
| Farmers Insurance Ratings for Renters Insurance in Missouri | 3/5 | 0.39 |
| Automobile Club of Missouri Ratings for Renters Insurance in Missouri | 4/5 | 0.62 |
| Auto-Owners Insurance Ratings for Renters Insurance in Missouri | 4/5 | 0.21 |
| Chubb Ratings for Renters Insurance in Missouri | 2/5 | 0.09 |
| COUNTRY Financial Ratings for Renters Insurance in Missouri | 3/5 | 0.13 |
| Missouri Farm Bureau Insurance Ratings for Renters Insurance in Missouri | N/A | 0.23 |
| Shelter Ratings for Renters Insurance in Missouri | N/A | 0.36 |
| The Hartford Ratings for Renters Insurance in Missouri | 3/5 | 0.78 |
Compare Renters Insurance in Missouri for the Best Rates
If you want to find the best renters insurance in Missouri, you need to be prepared to compare renters insurance in California. Missouri is a state that has a slightly higher average renters insurance. But that doesn't mean you can't find affordable renters insurance; Maine renters just need to compare the different renters' insurance options. Comparing the different insurance companies and their policies is the first step in finding the best renters insurance in Missouri. The next step is to understand what you are willing to compromise on and what you want complete protection for. Are you looking for premium coverage to protect your most valuable belongings, or are you just on the lookout for a basic coverage plan to appease your new landlord? Whichever it is, remember that shopping around, asking questions and comparing companies is an investment (not a waste) of time. With some simple reviewing and comparison, you can find an affordable renters insurance policy in Missouri that covers everything you need, including your peace of mind.