🏠 Home insurance cost in Saint Paul, MN (2026)
Estimated average: $2,512 per year — +9% vs. the U.S. average of $2,300.
$2,512
Est. home insurance in Saint Paul
per year
$2,415
Minnesota average
$2,300
U.S. average
303,176
Population
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Saint Paul home insurance estimator
Estimated$1,583/year
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Saint Paul home insurance FAQ
How much is home insurance in Saint Paul, MN?
The estimated average is $2,512 per year — above the state average (+4% vs. the Minnesota average of $2,415, and +9% vs. the U.S. average).
Is home insurance more expensive in Saint Paul than elsewhere in Minnesota?
Saint Paul has about 303,176 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Saint Paul?
Compare at least three quotes from insurers active in Saint Paul, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.