What renters in Missouri actually pay for insurance, from the National Association of Insurance Commissioners’ 2023 Homeowners Insurance Report (published July 2026) — plus the tornado-season facts behind the exactly-average price and how to pay less.
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Missouri at a glance
The figures below are the NAIC’s state average HO-4 (renters) premium for Missouri — total premiums divided by total policies, 2023 policy year, published July 2026.
Average renters premium · Missouri$173/yr~$14 a month · #21 of 51 states (1 = priciest) · 100% of the US average
$173/yrAverage annual premium (NAIC 2023)
~$14/moMonthly equivalent
100%Of the national average
#21 of 51Price rank (1 = priciest)
Missouri$173/yrMissouri average · ~$14/mo
$0 differenceexactly at the national average
National average$173/yrAll 50 states + DC
Missouri vs the country
Mississippi · priciest state$263/yr
Kansas · neighbor$163/yr
United States average$173/yr
Missouri · your state$173/yr
South Dakota · cheapest state$125/yr
How it works: figures are the NAIC’s state average HO-4 (renters) premiums — total premiums divided by total policies, 2023 policy year, published July 2026. Monthly = annual ÷ 12. Rank is out of all 50 states + DC, priciest first. These are premiums paid, averaged across coverage amounts — a quote for a specific $30k/$100k policy will differ. Nothing you type leaves your device.
How this number is measured
The $173 figure isn’t a quote — it’s what Missouri renters actually paid on average. The NAIC collects HO-4 (renters) premiums from every insurer, divides by policies in force, and publishes the state average. That makes it the cleanest benchmark available: same method, same policy form, every state, no marketing spin.
Output · formula · meaning
Output
Formula
What it means
Average annual premium
Σ premiums ÷ policies
What the typical Missouri renter pays per year: $173.
Monthly equivalent
annual ÷ 12
The monthly budget figure: about $14.
Index vs US average
state avg ÷ $173 × 100
Missouri sits at exactly 100% of the national average — dead even with the country as a whole.
Price rank
sorted, priciest first
Missouri is #21 of 51 — in the pricier half, right on the average line.
3 things Missouri renters should know
No Missouri law requires renters insurance. The requirement comes from the lease — and across the St. Louis and Kansas City metros, most leases do require it, usually with a $100,000 liability minimum. If your lease names a minimum, that clause is binding.
Missouri averages roughly 40 tornadoes a year (per the state climatologist), making it one of the country’s most tornado-active states, with peak season running April through June. Wind — including tornadoes — and hail are standard covered perils, so a basic policy covers your belongings against the state’s signature storms.
Flood is excluded everywhere, so flash-flood damage after a spring storm needs a separate policy — contents-only NFIP coverage works for renters. Before you buy, check whether your quote carries a flat deductible or a higher wind/hail deductible; in a high-wind state that line matters. The Missouri Department of Commerce & Insurance takes consumer complaints if a claim goes sideways.
Who uses this page
Movers: budgeting a move to Missouri — is $14/month about right for your renters policy?
Lease shoppers: checking whether the number your agent quoted is anywhere near the state average.
Landlords: setting the insurance clause in a lease — know what “typical” costs your tenants.
Researchers & students: the NAIC figures are public statistics — cite them with the block below.
Accuracy & limitations
These are 2023-policy-year averages published in July 2026 — the freshest official data available, but your 2026 quote will differ by ZIP code, building construction, coverage limits, deductible, claims history, and credit-based insurance score (where legal). Treat $173/yr as a benchmark, not a quote. Renters insurance markets move fast in storm states, so treat the figure as a starting point and get live quotes.
Cite this pageBright Side Kit. “Average Renters Insurance Cost in Missouri.” brightoolbox.com, 2026.Bright Side Kit. "Average Renters Insurance Cost in Missouri." https://brightoolbox.com/renters-insurance-cost-missouri/ Accessed October 21, 2026.
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Frequently asked questions
Is renters insurance required in Missouri?
No state law requires it. Landlords can — and across the St. Louis and Kansas City metros, most do — require it as a lease condition, often with a $100,000 liability minimum. If your lease requires it, you need the policy to keep the lease.
How much is renters insurance in Missouri per month?
The state average premium is about $14 a month ($173 a year) according to NAIC 2023 data — exactly 100% of the national average, ranking 21st of 51 states.
Why does Missouri sit exactly at the national average?
A state’s average renters premium reflects the full claims mix — theft, fire, water damage, liability — not just the weather. Missouri’s tornado exposure pushes costs up while its milder property-crime and housing profile pulls them down, and the two forces land the state at $173/yr, dead even with the national average.
Does Missouri renters insurance cover tornadoes?
Yes. Windstorm — including tornadoes — is a standard covered peril on renters policies, so your belongings are covered if a tornado damages your rental. What is not covered is flood, including flash flooding after storms — that needs a separate policy.
Does it cover hail damage?
Yes — hail falls under the wind/hail peril, so hail-damaged belongings are covered. One gap to know: the policy covers your stuff, not your car. Hail damage to a vehicle parked outside belongs to your auto policy’s comprehensive coverage, not your renters policy.
What’s the cheapest way to lower my Missouri renters insurance?
Raise the deductible (after checking the wind/hail deductible line), bundle with auto, pay annually instead of monthly, and ask about protective-device discounts for deadbolts, alarms, and sprinklers. The full playbook is in the how to lower your renters insurance guide.