Renters and home insurance rates in Missouri
The NAIC's published average premiums for Missouri by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $173
- average homeowners premium (HO-3), per year
- $1,668
- renter households
- 796,762
By county
By county
| St. Louis County | 128,387 | $1,164 | $260,700 |
|---|---|---|---|
| Jackson County | 124,575 | $1,151 | $213,300 |
| St. Louis city | 78,939 | $978 | $185,100 |
| Greene County | 56,820 | $940 | $203,500 |
| Boone County | 31,448 | $1,060 | $254,100 |
| Clay County | 31,438 | $1,220 | $256,400 |
| St. Charles County | 30,637 | $1,312 | $296,800 |
| Jasper County | 17,790 | $904 | $158,500 |
| Jefferson County | 16,153 | $972 | $218,800 |
| Platte County | 14,285 | $1,247 | $317,600 |
| Buchanan County | 11,724 | $889 | $156,600 |
| Cape Girardeau County | 11,081 | $881 | $208,300 |
| Cass County | 10,200 | $1,147 | $269,000 |
| Cole County | 10,036 | $804 | $214,400 |
| Franklin County | 9,977 | $874 | $214,900 |
| Christian County | 8,226 | $979 | $249,700 |
| Johnson County | 7,473 | $905 | $221,400 |
| St. Francois County | 7,443 | $786 | $155,100 |
| Taney County | 7,329 | $925 | $203,800 |
| Phelps County | 6,721 | $801 | $194,900 |
| Pulaski County | 6,671 | $1,072 | $189,700 |
| Butler County | 5,773 | $768 | $138,800 |
| Newton County | 5,113 | $777 | $175,300 |
| Pettis County | 5,061 | $863 | $161,500 |
| Howell County | 5,015 | $722 | $161,000 |
| Lincoln County | 4,857 | $972 | $224,800 |
| Scott County | 4,737 | $809 | $143,700 |
| Laclede County | 4,321 | $796 | $158,000 |
| Dunklin County | 4,266 | $632 | $93,800 |
| Lawrence County | 3,997 | $785 | $159,800 |
| Callaway County | 3,833 | $850 | $196,200 |
| Adair County | 3,512 | $782 | $159,500 |
| Polk County | 3,434 | $792 | $189,600 |
| Marion County | 3,397 | $813 | $158,100 |
| Barry County | 3,353 | $750 | $172,900 |
| Stoddard County | 3,335 | $737 | $135,400 |
| Webster County | 3,220 | $777 | $219,100 |
| Nodaway County | 3,165 | $754 | $165,100 |
| Lafayette County | 2,928 | $848 | $200,300 |
| Camden County | 2,899 | $838 | $270,700 |
| Randolph County | 2,742 | $742 | $141,900 |
| McDonald County | 2,738 | $764 | $134,100 |
| Pemiscot County | 2,636 | $708 | $95,900 |
| Crawford County | 2,612 | $807 | $166,000 |
| New Madrid County | 2,472 | $734 | $105,500 |
| Audrain County | 2,451 | $698 | $121,600 |
| Henry County | 2,418 | $740 | $153,500 |
| Miller County | 2,402 | $724 | $169,800 |
| Warren County | 2,366 | $913 | $241,200 |
| Saline County | 2,338 | $733 | $139,600 |
| Texas County | 2,238 | $647 | $123,300 |
| Stone County | 2,150 | $892 | $236,500 |
| Vernon County | 2,141 | $722 | $136,700 |
| Washington County | 2,098 | $680 | $118,400 |
| Ray County | 2,039 | $808 | $187,400 |
| Clinton County | 1,965 | $985 | $204,300 |
| Mississippi County | 1,784 | $782 | $100,300 |
| Livingston County | 1,740 | $747 | $138,300 |
| Pike County | 1,723 | $742 | $129,400 |
| Morgan County | 1,662 | $692 | $180,400 |
| Bates County | 1,653 | $760 | $154,800 |
| Perry County | 1,639 | $923 | $189,400 |
| Andrew County | 1,607 | $944 | $196,200 |
| Dallas County | 1,580 | $685 | $151,200 |
| Wright County | 1,563 | $558 | $152,300 |
| Cedar County | 1,469 | $783 | $162,500 |
| Macon County | 1,424 | $719 | $127,000 |
| Cooper County | 1,345 | $763 | $197,100 |
| Barton County | 1,344 | $777 | $136,000 |
| Benton County | 1,329 | $823 | $164,700 |
| Dent County | 1,315 | $615 | $149,700 |
| Ste. Genevieve County | 1,312 | $774 | $215,600 |
| Moniteau County | 1,283 | $766 | $168,300 |
| Montgomery County | 1,226 | $767 | $171,300 |
| Grundy County | 1,176 | $679 | $107,000 |
| Gasconade County | 1,144 | $671 | $168,900 |
| Madison County | 1,134 | $817 | $155,900 |
| Wayne County | 1,081 | $632 | $113,100 |
| DeKalb County | 1,058 | $796 | $167,500 |
| Linn County | 1,025 | $612 | $117,300 |
| St. Clair County | 994 | $607 | $142,500 |
| Osage County | 970 | $644 | $205,700 |
| Douglas County | 970 | $687 | $164,400 |
| Carroll County | 944 | $785 | $110,500 |
| Iron County | 900 | $671 | $113,000 |
| Monroe County | 865 | $667 | $147,400 |
| Ripley County | 851 | $666 | $110,800 |
| Harrison County | 823 | $666 | $107,400 |
| Maries County | 783 | $594 | $193,100 |
| Oregon County | 782 | $735 | $117,700 |
| Bollinger County | 774 | $677 | $142,400 |
| Lewis County | 740 | $627 | $118,900 |
| Dade County | 717 | $650 | $157,200 |
| Carter County | 706 | $661 | $147,600 |
| Ozark County | 704 | $626 | $156,400 |
| Daviess County | 686 | $731 | $149,200 |
| Howard County | 684 | $807 | $145,300 |
| Caldwell County | 684 | $628 | $156,700 |
| Gentry County | 605 | $620 | $123,000 |
| Atchison County | 605 | $595 | $100,600 |
| Shelby County | 594 | $570 | $86,200 |
| Ralls County | 551 | $765 | $153,400 |
| Sullivan County | 535 | $692 | $103,300 |
| Hickory County | 525 | $699 | $123,200 |
| Chariton County | 507 | $540 | $118,900 |
| Clark County | 487 | $589 | $117,600 |
| Shannon County | 471 | $509 | $151,000 |
| Reynolds County | 447 | $627 | $119,900 |
| Holt County | 372 | $702 | $122,300 |
| Putnam County | 353 | $575 | $111,600 |
| Mercer County | 269 | $548 | $95,300 |
| Schuyler County | 263 | $382 | $118,200 |
| Scotland County | 262 | $516 | $141,100 |
| Worth County | 177 | $353 | $94,600 |
| Knox County | 171 | $661 | $97,200 |
Download the Missouri county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Missouri was $173 in 2022, across 796,762 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Missouri", updated 2026-08-17, https://homecoverhq.com/rates/missouri/.