Illinois vs Missouri: Where Renters Insurance Costs More
Renters Insurance in Illinois ($23/mo) vs Missouri ($28/mo) — a 20% gap between neighbors, explained with July 2026 data.
Illinois and Missouri share a border, but for renters insurance they don't share much else: Illinois averages $23/mo (rank #31 of 50) and Missouri averages $28/mo (rank #42) as of July 2026 — a 20% gap. Insurance is regulated state by state, so each side of the line is its own market.
| Illinois | Missouri | U.S. average | |
|---|---|---|---|
| Monthly premium ($30K property) | $23/mo | $28/mo | $23/mo |
Illinois in context
Illinois tracks the national average almost exactly at #31 of 50, averaging $23/mo.
Missouri in context
Missouri is one of the most expensive states for renters insurance, ranking #42 of 50 at $28/mo — about 22% above the national average of $23/mo.
Full local breakdowns: Illinois · Missouri · all states ranked.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
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