Missouri Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $281,400 Missouri home costs about $651, and the lender's policy issued with it about $225, under the filed rate schedule. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $265).
Missouri title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $471 | $225 | $696 |
| $200,000 | $531 | $225 | $756 |
| $250,000 | $591 | $225 | $816 |
| $300,000 | $651 | $225 | $876 |
| $350,000 | $711 | $225 | $936 |
| $400,000 | $771 | $225 | $996 |
| $450,000 | $831 | $225 | $1,056 |
| $500,000 | $891 | $225 | $1,116 |
| $600,000 | $1,011 | $225 | $1,236 |
| $700,000 | $1,131 | $225 | $1,356 |
Missouri uses filed rates: each underwriter files its own rate manual with the state insurance department, so premiums differ by a few hundred dollars from one title company to another. The schedule below is one underwriter's filed rate. Schedule shown: Platinum Title & Escrow (title agency; underwriter not stated on the schedule).
Missouri title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Missouri rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Missouri is negotiable in the purchase contract. Missouri has no statute assigning the owner's-policy cost; local custom and the purchase contract decide, and this varies significantly by region within the state. Source
When the owner's and lender's policies are issued together at closing, the lender's policy is charged at the reduced simultaneous-issue rate (a flat $225); that is the lender figure used on this page.
Title insurance at the county median price
The rate schedule is statewide; what changes from county to county is the home price. The ten most populous counties are shown; every Missouri county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Boone County | $254,100 | $621 |
| Cass County | $269,000 | $621 |
| Clay County | $256,400 | $621 |
| Greene County | $203,500 | $543 |
| Jackson County | $213,300 | $555 |
| Jasper County | $158,500 | $483 |
| Jefferson County | $218,800 | $555 |
| St. Charles County | $296,800 | $651 |
| St. Louis city | $185,100 | $519 |
| St. Louis County | $260,700 | $621 |
All 115 Missouri counties
- Adair County
- Andrew County
- Atchison County
- Audrain County
- Barry County
- Barton County
- Bates County
- Benton County
- Bollinger County
- Boone County
- Buchanan County
- Butler County
- Caldwell County
- Callaway County
- Camden County
- Cape Girardeau County
- Carroll County
- Carter County
- Cass County
- Cedar County
- Chariton County
- Christian County
- Clark County
- Clay County
- Clinton County
- Cole County
- Cooper County
- Crawford County
- Dade County
- Dallas County
- Daviess County
- DeKalb County
- Dent County
- Douglas County
- Dunklin County
- Franklin County
- Gasconade County
- Gentry County
- Greene County
- Grundy County
- Harrison County
- Henry County
- Hickory County
- Holt County
- Howard County
- Howell County
- Iron County
- Jackson County
- Jasper County
- Jefferson County
- Johnson County
- Knox County
- Laclede County
- Lafayette County
- Lawrence County
- Lewis County
- Lincoln County
- Linn County
- Livingston County
- Macon County
- Madison County
- Maries County
- Marion County
- McDonald County
- Mercer County
- Miller County
- Mississippi County
- Moniteau County
- Monroe County
- Montgomery County
- Morgan County
- New Madrid County
- Newton County
- Nodaway County
- Oregon County
- Osage County
- Ozark County
- Pemiscot County
- Perry County
- Pettis County
- Phelps County
- Pike County
- Platte County
- Polk County
- Pulaski County
- Putnam County
- Ralls County
- Randolph County
- Ray County
- Reynolds County
- Ripley County
- Saline County
- Schuyler County
- Scotland County
- Scott County
- Shannon County
- Shelby County
- St. Charles County
- St. Clair County
- St. Francois County
- St. Louis city
- St. Louis County
- Ste. Genevieve County
- Stoddard County
- Stone County
- Sullivan County
- Taney County
- Texas County
- Vernon County
- Warren County
- Washington County
- Wayne County
- Webster County
- Worth County
- Wright County
Title insurance in Missouri cities
| City | Median home price | Owner's policy |
|---|---|---|
| Kansas City | $227,000 | $567 |
| St. Louis | $185,100 | $519 |
| Springfield | $165,200 | $495 |
| Columbia | $268,300 | $621 |
| Independence | $166,400 | $495 |
| Lee's Summit | $313,200 | $681 |
| O'Fallon | $305,100 | $681 |
| St. Joseph | $144,200 | $471 |
| St. Charles | $280,800 | $651 |
| Blue Springs | $241,500 | $591 |
All 13 Missouri cities over 50,000 people
What the two policies cover
The owner's policy protects your equity against title defects that predate your purchase: undisclosed liens, forged deeds, missing heirs, recording errors. The lender's policy protects only the mortgage lender for the loan amount and is required by nearly every lender. Premiums are one-time and paid at closing. Because underwriters file competing rates, getting two quotes at your purchase price is worth a few hundred dollars.
Frequently asked questions
How much is title insurance in Missouri?
On a $281,400 home, the Missouri median, an owner's title policy costs about $651 under the filed rate schedule, and the lender's policy issued with it costs $225, so both policies together are about $876. The premium rises with the purchase price; the table on this page shows it from $150,000 to $1,000,000.
Who pays for title insurance in Missouri?
Who pays for the owner's policy in Missouri is negotiable in the purchase contract. Missouri has no statute assigning the owner's-policy cost; local custom and the purchase contract decide, and this varies significantly by region within the state. Source
Is title insurance a one-time cost?
Yes. Both the owner's policy and the lender's policy are paid once at closing and cover the property for as long as you (or your lender) hold an interest in it. There are no annual premiums.
Can I shop for title insurance in Missouri?
Yes. Missouri underwriters file their own rate manuals, so premiums differ by company; ask two or three title companies for a quote at your price and compare their settlement fees as well.
Sources
- Platinum Title & Escrow (Leawood, KS), Residential Owner's Policy Rate Table, serving all Missouri and Kansas counties
- Who pays for the owner's policy in Missouri
Rates as filed or promulgated, checked September 22, 2026. Premiums are computed from the schedule above and rounded to the dollar; endorsements, settlement fees and search fees are separate. All sources.
See all Missouri buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar; your title company's quote may add endorsements, search and settlement fees. This is general information, not financial advice.
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