Average home insurance cost in Minnesota
The average cost of homeowners insurance in Minnesota is $3,333 a year or $278 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, and other factors. It’s a good idea to compare price quotes from different Minnesota homeowners insurance companies to get the best deal.
Best home insurance companies in Minnesota
The best home insurance company in Minnesota is North Star Mutual, followed by West Bend Insurance Company and Auto Club Group-ACG.
Below is a full list of the top Minnesota insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance companies in Minnesota
Below are Minnesota home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Auto Club Group - ACG (AAA) has the most affordable rates in most categories.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| American Family | $2,815 | $4,245 | $5,760 | $8,408 | $11,506 |
| Auto Club Group - ACG (AAA) | $1,572 | $2,069 | $2,904 | $4,563 | $6,659 |
| Auto-Owners | $2,252 | $3,049 | $3,804 | $4,663 | $7,156 |
| Country Financial | $4,861 | $6,323 | $7,528 | $10,841 | $15,481 |
| Farmers | $2,001 | $2,757 | $3,459 | $5,047 | $8,232 |
| North Star Mutual | $1,692 | $2,353 | $3,218 | $4,948 | $7,353 |
| State Farm | $3,477 | $4,560 | $5,391 | $6,780 | $8,424 |
| West Bend Insurance Company | $1,986 | $3,067 | $4,095 | $5,700 | $8,046 |
Minnesota home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Minnesota to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
The Minnesota Department of Commerce says...
Minnesota law prohibits insurance companies from adjusting rates based solely on:
- The geographic location of a town in which the home is located.
- The age of the home construction (may offer one or more discounts for renovated systems as noted above).
- Different zip code areas in the same town.
- The fact that the homeowner may have previously been denied coverage for the property unless it was for reasons stated in Minnesota Statute §65A.01.
- The fact that the property has previously been insured under the Minnesota FAIR Plan.
The most expensive ZIP codes in Minnesota for home insurance
Minnesota homeowners insurance rates are the most expensive for ZIP code 55090, with an average annual cost of $3,807.
The most expensive ZIP codes in Minnesota are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Willernie | 55090 | $3,807 |
| Lake Elmo | 55042 | $3,805 |
| Hastings | 55033 | $3,801 |
| Newport | 55055 | $3,792 |
| St. Paul Park | 55071 | $3,788 |
| St. Paul | 55103 | $3,785 |
| Afton | 55001 | $3,784 |
| Stillwater | 55082 | $3,775 |
| Cottage Grove | 55016 | $3,765 |
| Mahtomedi | 55115 | $3,745 |
The least expensive ZIP codes in Minnesota for home insurance
The cheapest ZIP codes for home insurance in Minnesota are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Orr | 55771 | $2,358 |
| Crane Lake | 55725 | $2,368 |
| Nett Lake | 55772 | $2,373 |
| Babbitt | 55706 | $2,382 |
| Tower | 55790 | $2,384 |
| Angora | 55703 | $2,386 |
| Winton | 55796 | $2,387 |
| Britt | 55710 | $2,388 |
| Hibbing | 55746 | $2,388 |
| Soudan | 55782 | $2,390 |
Minnesota homeowners insurance rates by county
Home insurance rates in Minnesota vary by county. Take a look at the average rates by county in Minnesota below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Aitkin | $2,956 | $246 |
| Anoka | $3,531 | $294 |
| Becker | $2,950 | $246 |
| Beltrami | $2,780 | $232 |
| Benton | $3,492 | $291 |
| Big Stone | $3,575 | $298 |
| Blue Earth | $3,615 | $301 |
| Brown | $3,564 | $297 |
| Carlton | $2,888 | $241 |
| Carver | $3,673 | $306 |
| Cass | $2,876 | $240 |
| Chippewa | $3,650 | $304 |
| Chisago | $3,604 | $300 |
| Clay | $3,313 | $276 |
| Clearwater | $2,846 | $237 |
| Cook | $2,790 | $232 |
| Cottonwood | $3,594 | $299 |
| Crow Wing | $3,279 | $273 |
| Dakota | $3,425 | $285 |
| Dodge | $3,430 | $286 |
| Douglas | $3,401 | $283 |
| Faribault | $3,649 | $304 |
| Fillmore | $3,399 | $283 |
| Freeborn | $3,595 | $300 |
| Goodhue | $3,561 | $297 |
| Grant | $3,461 | $288 |
| Hennepin | $3,518 | $293 |
| Houston | $3,371 | $281 |
| Hubbard | $2,851 | $238 |
| Isanti | $3,551 | $296 |
| Itasca | $2,766 | $231 |
| Jackson | $3,563 | $297 |
| Kanabec | $3,188 | $266 |
| Kandiyohi | $3,519 | $293 |
| Kittson | $2,810 | $234 |
| Koochiching | $2,762 | $230 |
| Lac Qui Parle | $3,600 | $300 |
| Lake | $2,785 | $232 |
| Lake of the Woods | $2,477 | $206 |
| Le Sueur | $3,558 | $296 |
| Lincoln | $3,643 | $304 |
| Lyon | $3,649 | $304 |
| Mahnomen | $2,898 | $241 |
| Marshall | $2,824 | $235 |
| Martin | $3,585 | $299 |
| Mcleod | $3,519 | $293 |
| Meeker | $3,525 | $294 |
| Mille Lacs | $3,581 | $298 |
| Morrison | $3,343 | $279 |
| Mower | $3,449 | $287 |
| Murray | $3,604 | $300 |
| Nicollet | $3,561 | $297 |
| Nobles | $3,555 | $296 |
| Norman | $2,906 | $242 |
| Olmsted | $3,322 | $277 |
| Otter Tail | $3,396 | $283 |
| Pennington | $2,791 | $233 |
| Pine | $3,017 | $251 |
| Pipestone | $3,550 | $296 |
| Polk | $2,861 | $238 |
| Pope | $3,420 | $285 |
| Ramsey | $3,506 | $292 |
| Red Lake | $2,871 | $239 |
| Redwood | $3,598 | $300 |
| Renville | $3,667 | $306 |
| Rice | $3,614 | $301 |
| Rock | $3,510 | $293 |
| Roseau | $2,507 | $209 |
| Scott | $3,684 | $307 |
| Sherburne | $3,653 | $304 |
| Sibley | $3,582 | $299 |
| St. Louis | $2,481 | $207 |
| Stearns | $3,419 | $285 |
| Steele | $3,538 | $295 |
| Stevens | $3,541 | $295 |
| Swift | $3,571 | $298 |
| Todd | $3,335 | $278 |
| Traverse | $3,545 | $295 |
| Wabasha | $3,456 | $288 |
| Wadena | $2,962 | $247 |
| Waseca | $3,582 | $298 |
| Washington | $3,749 | $312 |
| Watonwan | $3,620 | $302 |
| Wilkin | $3,410 | $284 |
| Winona | $3,403 | $284 |
| Wright | $3,585 | $299 |
| Yellow Medicine | $3,679 | $307 |
Compare homeowners insurance rates by city in Minnesota
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Minnesota.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio, and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
Compare Minnesota homeowners insurance rates with other states
