🏠 Home insurance cost in Missouri (2026)
The estimated average is $3,105 per year — above the national average (+35% vs. the U.S. average of $2,300).
Missouri is home to about 6.2 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Kansas City typically differ from smaller towns.
Estimate your home insurance in Missouri
Missouri home insurance estimator
Starts from the Missouri average. Estimate only — get quotes to confirm.
Home insurance cost in Missouri cities
| City | Population | Est. home insurance |
|---|---|---|
| Kansas City | 508,090 | $3,353 |
| St. Louis | 281,754 | $3,229 |
| Springfield | 169,176 | $3,105 |
| Columbia | 128,555 | $3,105 |
Missouri home insurance FAQ
How much is home insurance in Missouri?
The estimated average home insurance in Missouri is $3,105 per year, which is above the national average (+35% vs. the U.S. average of $2,300). Missouri ranks 10 of 51 states from most to least expensive.
Why is home insurance expensive in Missouri?
Home insurance pricing in Missouri reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on home insurance in Missouri?
Compare at least three quotes from insurers active in Missouri, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.