🏠 Home insurance cost in Minnesota (2026)
The estimated average is $2,415 per year — above the national average (+5% vs. the U.S. average of $2,300).
Minnesota is home to about 5.7 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Minneapolis typically differ from smaller towns.
Estimate your home insurance in Minnesota
Minnesota home insurance estimator
Starts from the Minnesota average. Estimate only — get quotes to confirm.
Home insurance cost in Minnesota cities
| City | Population | Est. home insurance |
|---|---|---|
| Minneapolis | 425,336 | $2,512 |
| Saint Paul | 303,176 | $2,512 |
| Rochester | 121,878 | $2,415 |
| Duluth | 86,697 | $2,318 |
Minnesota home insurance FAQ
How much is home insurance in Minnesota?
The estimated average home insurance in Minnesota is $2,415 per year, which is above the national average (+5% vs. the U.S. average of $2,300). Minnesota ranks 17 of 51 states from most to least expensive.
Why is home insurance expensive in Minnesota?
Home insurance pricing in Minnesota reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on home insurance in Minnesota?
Compare at least three quotes from insurers active in Minnesota, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.