🏠 Home insurance cost in Saint Paul, MN (2027)
Estimated average: $2,512 per year — +9% vs. the U.S. average of $2,300.
With about 303,176 residents, Saint Paul is a large city and the #2 largest city in Minnesota. Home insurance rates here are estimated at $2,512 per year, above the Minnesota average of $2,415 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Saint Paul with other Minnesota cities.
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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.