Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

How to find affordable homeowners insurance in St. Paul

Homeowners insurance is a critical element of homeownership. Home insurance policies provide coverage against fire, wind damage, and theft for your home and the contents inside it. Incidents like this occur often. When paired with the high cost of repairing or rebuilding a house, purchasing coverage can seem like a great move. The typical homeowners insurance rate in Saint Paul, Minnesota is $179 per month. This is well over the national average monthly cost of home insurance.

The price of a homeowners insurance policy factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils like frozen pipes, hail, windstorms, or wildfires, home insurance rates may be higher to account for the extra risk. Find out more info about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance in Saint Paul, start with shopping around and comparing what different companies offer. Take a look at the summary below showing average home insurance premiums in Saint Paul to help you get as much information as possible when you start your search for homeowners insurance. Remember: the cost of your insurance is often based on the coverage limits you choose and a variety of other factors.

Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings


St. Paul home insurance by company

Homeowners insurance rates in Saint Paul vary from one insurance company to another. The cheapest home insurance in Saint Paul is available through Liberty Mutual, which offers average annual rates of just $1,337 per year. This is more favorable than the city’s average homeowners premium of $2,159.

Start your search for a home insurance policy by reviewing the cheapest home insurers in Saint Paul, Minnesota, listed below. Then, see our list of which homeowners carriers ranked best for customer satisfaction

Company Average Annual Rate
Liberty Mutual $1,337
AAA $1,502
State Farm $1,772
Allstate $2,043
Farmers $2,076


St. Paul homeowners insurance prices by coverage level

How much you spend on home insurance coverage is greatly impacted by the level of coverage you choose. In Saint Paul, carrying $200K dwelling coverage costs an average of $1,523, while carrying additional coverage up to $400K costs $2,449 per year.

Coverage Level Average Annual Rate
$100,000 Dwelling $913
$200,000 Dwelling $1,523
$250,000 Dwelling $1,691
$400,000 Dwelling $2,449


St. Paul home insurance rates by ZIP code

Not every area of Saint Paul has equal home insurance premiums. One of the factors that insurers use when pricing your insurance policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically impact your home insurance rates.

If you're looking for the cheapest home insurance premiums in Saint Paul, try the 55111 ZIP code. In the 55111 area, homeowners policies typically cost just $1,920 on average — a full $240 less than the Saint Paul average. Find the best places to live in Saint Paul for cheap home insurance by looking at the table below.

ZIP Code Average Annual Home Insurance Rate
55111 $1,920
55113 $1,939
55114 $1,940

Some areas of Saint Paul face higher homeowners insurance costs. These areas might face a higher probability of perils such as fires or severe weather events. Similarly, they may also have a higher rate of crimes such as burglary or vandalism. An average annual rate of $1,964 makes 55110 the most expensive ZIP code in Saint Paul for homeowners insurance.

ZIP Code Average Annual Home Insurance Rate
55110 $1,964
55106 $1,964
55130 $1,963

St. Paul homeowners insurance deductibles

Among the plethora of decisions homeowners face when shopping for homeowners insurance is how high or low to set the deductible. The deductible is the dollar amount that the insured must contribute toward a covered loss. Where you choose to set your homeowners deductible is linked to the overall cost of your coverage.

When thinking about your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. As such, if you want your insurance rates to stay low, aim for a higher deductible. Keep in mind that your deductible should only be set as high as you can reasonably pay if you suffer a loss.

Below are some common deductible options offered by most home insurance companies as well as with corresponding average insurance premiums.

Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,822
$1,000 $1,691
$1,500 $1,582
$2,000 $1,483
$5,000 $1,249


Home and auto insurance bundling in St. Paul

To save a little money, you might consider bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Saint Paul could, in fact, lead to average annual savings of 14%.

Company Avg. Annual Auto Insurance Rate (With Bundle)
American Family $1,081
AAA $1,240
State Farm $1,292
Farmers $1,406
Progressive $1,572

Compare quotes on St. Paul, MN home insurance today!

Location pin icon
No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.