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Counties With the Cheapest Homeowners Insurance in Missouri (2026)

Audrain has the lowest homeowners insurance of any county in Missouri, at $1,613, followed by Adair and Marion. Source: Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024. The full ranking of the top 25 counties is below.

Data updated 2024 - Source: Keys-Mulder escrow dataset (NBER WP 32579)

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Cheapest counties for homeowners insurance in Missouri

Top 25 of 115 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Missouri
RankCountyValue
1Audrain$1,613
2Adair$1,645
3Marion$1,694
4Madison$1,733
5Grundy$1,752
6Perry$1,772
7Ralls$1,809
8Livingston$1,812
9Buchanan$1,866
10Pettis$1,870
11Macon$1,880
12Daviess$1,894
13Mississippi$1,897
14Randolph$1,915
15Cooper$1,938
16Howell$1,977
17Callaway$1,979
18DeKalb$1,988
19Howard$1,995
20Cedar$2,005
21St. Francois$2,006
22Nodaway$2,014
23Andrew$2,021
24Scott$2,028
25Vernon$2,032

How this ranking works

This page ranks Missouri counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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