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Counties With the Cheapest Homeowners Insurance in Missouri (2026)

Stoddard has the lowest homeowners insurance of any county in Missouri, at $1,609, followed by Marion and Livingston (data vintage 2022). The full ranking of the top 25 counties is below.

Data updated 2022 - Source: NAIC Homeowners Insurance Report

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Cheapest counties for homeowners insurance in Missouri

Top 25 of 115 counties with data.

Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.

Cheapest counties for homeowners insurance in Missouri
RankCountyValue
1Stoddard$1,609
2Marion$1,609
3Livingston$1,609
4Platte$1,609
5Pemiscot$1,609
6McDonald$1,609
7Shelby$1,609
8Carter$1,609
9Dunklin$1,609
10Holt$1,609
11Lawrence$1,609
12Douglas$1,609
13Pettis$1,609
14Reynolds$1,609
15Hickory$1,609
16Andrew$1,609
17Cedar$1,609
18Macon$1,609
19Ray$1,609
20Warren$1,609
21Jackson$1,609
22Shannon$1,609
23Howell$1,609
24Randolph$1,609
25Howard$1,609

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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