Finding homeowners insurance shouldn't be stressful. Compare rates from Minnesota by city and carrier below.
Get a QuoteHomeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A homeowners policy protects your dwelling and property against an array of circumstances, such as fire, theft, vandalism, or wind damage.
Unlike auto insurance, homeowners policies aren’t priced based on state-level laws. Even so, large gulfs exist in home insurance rates on a state-by-state basis. Policy costs by state vary depending on the frequency of — and value of — home policy claims filed in that state, and depend on the price of the belongings and home you're insuring.
The best way to get a cheap homeowners insurance policy in Minnesota is to shop around and compare rates from multiple companies. Learn how much home insurance costs in Minnesota by referencing the below data. Individual rates may vary depending on coverage options.
Homeowners insurance rates in Minnesota can vary depending on the insurance company you use. Liberty sells the cheapest homeowners policies in Minnesota, at just $1,046 yearly. This compares favorably to the state mean rate of $1,773, offering a $727 price break on the typical rates in the state.
Start your search for affordable coverage by viewing average rates from top Minnesota insurance companies, listed below.
| Company | Average Annual Rate in Minnesota |
| Liberty | $1,045.76 |
| Western National | $1,119.91 |
| North Star | $1,404.64 |
| Travelers | $1,538.37 |
| AAA | $1,548.56 |
Not every city in Minnesota has equal home insurance costs. Pricing depends on city-specific variables like the number of homeowners claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.
The cheapest home insurance in Minnesota is found in Rochester. A typical home insurance term in Rochester costs just $1,682 each year — $91 less than the average policy in other Minnesota cities. The below table shows the best places to live in Minnesota if you’re looking for cheap homeowners insurance.
| City | Average 12-Month Home Insurance Rate |
| Rochester | $1,681.70 |
| Moorhead | $1,713.52 |
| Duluth | $1,721.90 |
| Mankato | $1,789.90 |
| Maple Grove | $1,869.97 |
If you're trying to save on insurance, consider purchasing both your home and auto insurance policies from one company. Bundling home and auto insurance in Minnesota can lead to substantial savings on your auto insurance bill. Purchasing bundled policies in Minnesota may generate average annual savings of $156.
| Avg. Yearly Auto Insurance Rate (No Bundle) | Avg. Yearly Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,272.00 | $1,116.00 | $156.00 | 14% |
A great way to save is to bundle your auto and homeowners insurance policies. Find a policy today!
Seeking information on homeowners insurance in a specific city? Check out our breakdown of major Minnesota cities:
Homeowners insurance will not cover an improperly installed metal roof because it wasn't caused by an unpredictable, sudden event. You would need to dispute this with the original installer of the metal roof.
Other than the insurance commissioner of Minnesota, the National Association of Insurance Commissioners (NAIC) is the regulatory body that governs insurance state-by-state on a national level.
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