Finding homeowners insurance shouldn't be stressful. Compare rates from Minnesota by city and carrier below.
Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A homeowners insurance policy protects your home and your items in the event of an array of circumstances, including fire, theft, vandalism, or wind damage.
Major differences exist in homeowners insurance rates on a state-by-state basis. Policy prices by state may vary depending on the number of — and value of — home policy claims filed statewide, and depend on the value of the belongings and property you're covering.
The easiest way to find a cheap home insurance policy in Minnesota is to compare rates and consider policies from multiple insurance companies. Find out homeowners insurance costs in Minnesota by referencing the below tables. Remember: your rates may differ, depending on your coverage limits.
Homeowners insurance rates in Minnesota vary based on the insurance company you use. Liberty offers the most affordable home insurance in Minnesota, at just $1,046 each year. This compares favorably to the state average cost of $1,773, providing a $727 price break on average statewide home insurance costs.
Begin your search for a home insurance policy by reviewing the cheapest Minnesota carriers, 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. Policy rates rely on on local variables such as the number of claims filed in the immediate area, meaning your specific ZIP code impact how much you pay.
The cheapest home insurance in Minnesota is found in Rochester. An average homeowners insurance policy in Rochester costs just $1,682 each year — $91 less than the state average. The below cities have the most affordable homeowners insurance in Minnesota.
| City | Average Annual 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 looking for savings, consider purchasing both your car and home insurance policies from one company. A home and auto insurance bundle in Minnesota can save you a substantial sum each month on car insurance. In fact, bundling policies in Minnesota results in yearly savings of $156.
| Avg. Annual Auto Insurance Rate (No Bundle) | Avg. 12-Month Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,272.00 | $1,116.00 | $156.00 | 14% |
One of the best ways to save on auto insurance is bundling. Compare rates today!