Best Minnesota Homeowners Insurance for 2026
Auto-Owners is the best overall, though West Bend has the best service
Advertising Disclosures
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- Great rates and customer service make Auto-Owners the best homeowners insurance company in Minnesota.
- Home insurance in Minnesota costs an average of $3,150 a year.
- Minnesota homeowners insurance rates have grown by 88% over the past five years.
- Insurance companies have been raising their rates to keep up with the costs of storm repairs.
Best homeowners insurance in Minnesota
Low rates and good customer service make Auto-Owners the best home insurance company in Minnesota. North Star Mutual has the best coverage options, while West Bend has the best customer service.
All three companies have excellent complaint ratings from the National Association of Insurance Commissioners (NAIC)
None of these three offers quotes online. However, each works with independent insurance agents
Best overall: Auto-Owners
Average annual rate: $2,259
Why we chose it: Low rates, good service and flexible coverage options are important qualities in a home insurance company. Auto-Owners checks all three boxes.
Who it’s best for: Most homeowners. Auto-Owners has the cheapest homeowners insurance in Minnesota. It also has low car insurance rates, which makes it good for bundling. The company also offers several add-ons you can get to customize your coverage. These include inland flood coverage, a convenient alternative to flood insurance in some situations.
PROS
- Cheapest home insurance in Minnesota
- Low auto rates make it a good deal for bundling
- Valuable add-ons help customize your coverage
CONS
- Online quotes not available
Best coverage options: North Star Mutual
Average annual rate: $2,699
Why we chose it: North Star Mutual caters to Minnesota lifestyles with add-on protections for boats and RVs. It also covers refrigerated foods that spoil during a power outage.
Who it’s best for: Recreational enthusiasts. North Star Mutual’s coverage for boats and RVs may work better than separate policies for these items, though you should review your options with an agent. The company’s home insurance rates are 14% less than the state average. Unfortunately, its car insurance rates are higher than average, which reduces your savings when you bundle.
PROS
- Charges 14% less than the state average
- Add-on protections for boats and RVs
- Discounts for older homeowners and new homes
CONS
- Doesn’t offer quotes online
- Auto-Owners has cheaper home and auto rates
Best for customer service: West Bend
Average annual rate: $2,859
Why we chose it: An excellent NAIC rating means West Bend usually comes through for customers after a disaster. At 9% less than the state average, its rates are relatively affordable, too.
Who it’s best for: Homeowners who need basic coverage. West Bend provides the basic coverages that most homeowners need, plus add-on protections for valuables and water backups. However, it does not offer as many coverage options as North Star Mutual.
PROS
- Better complaint rating than most companies
- Home insurance rates are 9% less than state average
- Add-on protections available for valuables and water backups
CONS
- Online quotes not available
Compare MN home insurance rates and ratings
| Company | Annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
 | Auto-Owners | $2,259 | 4/5 | 0.5 |
 | Farmers | $2,270 |  3.5/5 | 0.7 |
 | AAA | $2,638 |  2/5 | 2.0 |
| North Star Mutual | $2,699 | 4.5/5 | 0.5 |
 | Allstate | $2,842 | 4/5 | 1.2 |
| West Bend | $2,859 | 4/5 | 0.1 |
 | State Farm | $3,467 | 4/5 | 1.4 |
 | American Family | $3,764 | 4/5 | 0.4 |
 | Country Financial | $5,550 | 4/5 | 0.1 |
 | Chubb | N/A* | 4/5 | 0.1 |
Each company’s rates vary by customer. It’s good to compare home insurance quotes from a few companies to find the cheapest rate.
LendingTree analyzed home insurance quotes from every Minnesota ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in Minnesota?
Home insurance costs an average of $3,150 a year in Minnesota, or $263 a month.
This is 20% higher than the national average of $2,628 a year.
Average home insurance rates by dwelling coverage amount
The actual price you pay depends on factors like your location, credit and insurance history. The amount of coverage you need also impacts your rates.
For example, it costs $4,181 per year to insure a $550,000 home. This is 33% higher than the cost of insurance for a $400,000 home.
You usually need to insure your home at its replacement value
Home insurance rates by dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| Auto-Owners | $1,827 | $2,259 | $2,552 | $3,427 |
| North Star Mutual | $1,942 | $2,699 | $3,841 | $5,335 |
| West Bend | $2,118 | $2,859 | $3,765 | $4,459 |
| State average | $2,437 | $3,150 | $4,181 | $5,377 |
Minnesota homeowners insurance rates by city
Home insurance tends to cost more in areas that get severe weather more often than others. High crime rates can also drive up an area’s home insurance rates.
Fridley has the most expensive home insurance among Minnesota’s cities and towns, at $3,610 a year. This is 15% higher than the state average. Nearby Columbia Heights has the next-highest rate, at $3,605 a year.
At $2,875 a year, Goodridge is Minnesota’s cheapest city for home insurance.
| City | Annual rate |
|---|---|
| Ada | $2,982 |
| Adams | $3,016 |
| Adolph | $2,955 |
| Adrian | $3,216 |
| Afton | $3,414 |
| Ah Gwah Ching | $3,031 |
| Aitkin | $3,117 |
| Akeley | $2,990 |
| Albany | $3,051 |
| Albert Lea | $3,116 |
| Alberta | $3,149 |
| Albertville | $3,298 |
| Alborn | $2,949 |
| Alden | $3,125 |
| Aldrich | $3,090 |
| Alexandria | $3,100 |
| Almelund | $3,362 |
| Alpha | $3,198 |
| Altura | $3,029 |
| Alvarado | $2,938 |
| Amboy | $3,096 |
| Andover | $3,558 |
| Angle Inlet | $2,913 |
| Angora | $2,895 |
| Annandale | $3,308 |
| Anoka | $3,547 |
| Apple Valley | $3,343 |
| Appleton | $3,161 |
| Arco | $3,252 |
| Arden Hills | $3,503 |
| Argyle | $2,936 |
| Arlington | $3,143 |
| Arnold | $2,943 |
| Ashby | $3,089 |
| Askov | $3,153 |
| Atwater | $3,156 |
| Audubon | $2,994 |
| Aurora | $2,912 |
| Austin | $3,058 |
| Avoca | $3,221 |
| Avon | $3,054 |
| Babbitt | $2,894 |
| Backus | $3,006 |
| Badger | $2,928 |
| Bagley | $2,943 |
| Balaton | $3,249 |
| Barnesville | $2,977 |
| Barnum | $3,057 |
| Barrett | $3,110 |
| Barry | $3,172 |
| Battle Lake | $3,076 |
| Baudette | $2,901 |
| Baxter | $3,039 |
| Bayport | $3,410 |
| Beardsley | $3,155 |
| Beaver Creek | $3,141 |
| Becker | $3,442 |
| Bejou | $2,999 |
| Belgrade | $3,064 |
| Belle Plaine | $3,401 |
| Bellingham | $3,185 |
| Beltrami | $2,988 |
| Belview | $3,224 |
| Bemidji | $2,912 |
| Bena | $2,990 |
| Benedict | $2,973 |
| Benson | $3,148 |
| Bertha | $3,076 |
| Bethel | $3,501 |
| Big Falls | $2,944 |
| Big Lake | $3,343 |
| Bigelow | $3,179 |
| Bigfork | $2,936 |
| Bingham Lake | $3,194 |
| Birchdale | $2,956 |
| Birchwood Village | $3,420 |
| Bird Island | $3,272 |
| Biwabik | $2,898 |
| Blackduck | $2,901 |
| Blaine | $3,531 |
| Blomkest | $3,138 |
| Blooming Prairie | $3,039 |
| Bloomington | $3,430 |
| Blue Earth | $3,121 |
| Bluffton | $3,064 |
| Bock | $3,338 |
| Borup | $2,983 |
| Bovey | $2,938 |
| Bowlus | $3,038 |
| Bowstring | $2,947 |
| Boyd | $3,273 |
| Braham | $3,281 |
| Brainerd | $3,046 |
| Brandon | $3,085 |
| Breckenridge | $3,066 |
| Breezy Point | $3,026 |
| Brewster | $3,208 |
| Bricelyn | $3,122 |
| Brimson | $2,941 |
| Britt | $2,896 |
| Brook Park | $3,164 |
| Brooklyn Center | $3,416 |
| Brooklyn Park | $3,428 |
| Brooks | $2,951 |
| Brookston | $2,941 |
| Brooten | $3,077 |
| Browerville | $3,072 |
| Browns Valley | $3,138 |
| Brownsdale | $3,018 |
| Brownsville | $2,980 |
| Brownton | $3,185 |
| Bruno | $3,105 |
| Buffalo | $3,306 |
| Buffalo Lake | $3,277 |
| Buhl | $2,904 |
| Burnsville | $3,402 |
| Burtrum | $3,069 |
| Butterfield | $3,121 |
| Byron | $2,927 |
| Caledonia | $2,997 |
| Callaway | $2,982 |
| Calumet | $2,935 |
| Cambridge | $3,310 |
| Campbell | $3,062 |
| Canby | $3,275 |
| Cannon Falls | $3,200 |
| Canton | $2,991 |
| Canyon | $2,950 |
| Carlos | $3,091 |
| Carlton | $3,061 |
| Carver | $3,391 |
| Cass Lake | $2,991 |
| Cedar | $3,551 |
| Center City | $3,390 |
| Centerville | $3,526 |
| Ceylon | $3,076 |
| Champlin | $3,437 |
| Chandler | $3,202 |
| Chanhassen | $3,389 |
| Chaska | $3,387 |
| Chatfield | $2,986 |
| Chisago City | $3,391 |
| Chisholm | $2,900 |
| Chokio | $3,147 |
| Circle Pines | $3,513 |
| Clara City | $3,244 |
| Claremont | $3,039 |
| Clarissa | $3,070 |
| Clarkfield | $3,276 |
| Clarks Grove | $3,113 |
| Clear Lake | $3,442 |
| Clearbrook | $2,941 |
| Clearwater | $3,261 |
| Clements | $3,217 |
| Cleveland | $3,114 |
| Climax | $2,955 |
| Clinton | $3,187 |
| Clitherall | $3,076 |
| Clontarf | $3,154 |
| Cloquet | $3,016 |
| Cohasset | $2,952 |
| Cokato | $3,282 |
| Cold Spring | $3,075 |
| Coleraine | $2,939 |
| Cologne | $3,390 |
| Columbia Heights | $3,605 |
| Columbus | $3,476 |
| Comfrey | $3,052 |
| Comstock | $3,003 |
| Conger | $3,120 |
| Cook | $2,900 |
| Coon Rapids | $3,545 |
| Corcoran | $3,336 |
| Correll | $3,167 |
| Cosmos | $3,187 |
| Cottage Grove | $3,437 |
| Cotton | $2,944 |
| Cottonwood | $3,269 |
| Courtland | $3,073 |
| Crane Lake | $2,888 |
| Cromwell | $3,061 |
| Crookston | $2,950 |
| Crosby | $3,030 |
| Crosslake | $3,033 |
| Crystal | $3,448 |
| Crystal Bay | $3,340 |
| Currie | $3,207 |
| Cushing | $3,016 |
| Cyrus | $3,087 |
| Dakota | $3,020 |
| Dalbo | $3,325 |
| Dalton | $3,043 |
| Danube | $3,285 |
| Danvers | $3,162 |
| Darfur | $3,107 |
| Darwin | $3,156 |
| Dassel | $3,195 |
| Dawson | $3,211 |
| Dayton | $3,338 |
| Deephaven | $3,413 |
| Deer Creek | $3,066 |
| Deer River | $2,948 |
| Deerwood | $3,037 |
| Delano | $3,315 |
| Delavan | $3,118 |
| Dellwood | $3,420 |
| Dennison | $3,197 |
| Dent | $3,072 |
| Detroit Lakes | $3,000 |
| Dexter | $3,017 |
| Dilworth | $3,008 |
| Dodge Center | $3,025 |
| Donaldson | $2,927 |
| Donnelly | $3,140 |
| Dover | $2,970 |
| Dovray | $3,222 |
| Duluth | $2,886 |
| Dumont | $3,145 |
| Dundas | $3,199 |
| Dunnell | $3,072 |
| Eagan | $3,462 |
| Eagle Bend | $3,065 |
| Eagle Lake | $3,149 |
| East Bethel | $3,515 |
| East Grand Forks | $2,960 |
| East Gull Lake | $3,054 |
| Easton | $3,119 |
| Echo | $3,250 |
| Eden Prairie | $3,376 |
| Eden Valley | $3,142 |
| Edgerton | $3,182 |
| Edina | $3,407 |
| Effie | $2,936 |
| Eitzen | $2,985 |
| Elbow Lake | $3,128 |
| Elgin | $3,000 |
| Elizabeth | $3,067 |
| Elk River | $3,480 |
| Elko New Market | $3,443 |
| Elkton | $3,011 |
| Ellendale | $3,140 |
| Ellsworth | $3,185 |
| Elmore | $3,123 |
| Elrosa | $3,051 |
| Ely | $2,901 |
| Elysian | $3,100 |
| Embarrass | $2,902 |
| Emily | $3,007 |
| Emmons | $3,107 |
| Erhard | $3,079 |
| Erskine | $2,945 |
| Esko | $3,067 |
| Essig | $3,041 |
| Euclid | $2,954 |
| Evansville | $3,082 |
| Eveleth | $2,914 |
| Excelsior | $3,378 |
| Eyota | $2,910 |
| Fairfax | $3,262 |
| Fairmont | $3,079 |
| Falcon Heights | $3,466 |
| Faribault | $3,194 |
| Farmington | $3,365 |
| Farwell | $3,089 |
| Federal Dam | $2,990 |
| Felton | $2,959 |
| Fergus Falls | $3,068 |
| Fertile | $2,983 |
| Fifty Lakes | $3,018 |
| Finland | $2,911 |
| Finlayson | $3,147 |
| Fisher | $2,968 |
| Flensburg | $3,043 |
| Flom | $2,986 |
| Floodwood | $2,939 |
| Foley | $3,284 |
| Forbes | $2,922 |
| Forest Lake | $3,368 |
| Foreston | $3,385 |
| Fort Ripley | $3,049 |
| Fosston | $2,980 |
| Fountain | $2,996 |
| Foxhome | $3,058 |
| Franklin | $3,257 |
| Frazee | $3,009 |
| Freeborn | $3,125 |
| Freeport | $3,052 |
| Fridley | $3,610 |
| Frontenac | $3,146 |
| Frost | $3,124 |
| Fulda | $3,226 |
| Garden City | $3,162 |
| Garfield | $3,107 |
| Garrison | $3,044 |
| Garvin | $3,247 |
| Gary | $2,977 |
| Gatzke | $2,931 |
| Gaylord | $3,142 |
| Genola | $3,048 |
| Georgetown | $2,961 |
| Ghent | $3,206 |
| Gibbon | $3,096 |
| Gilbert | $2,905 |
| Gilman | $3,297 |
| Glencoe | $3,151 |
| Glenville | $3,068 |
| Glenwood | $3,072 |
| Glyndon | $2,983 |
| Golden Valley | $3,430 |
| Gonvick | $2,942 |
| Good Thunder | $3,119 |
| Goodhue | $3,155 |
| Goodland | $2,940 |
| Goodridge | $2,875 |
| Goodview | $2,975 |
| Graceville | $3,145 |
| Granada | $3,066 |
| Grand Marais | $2,926 |
| Grand Meadow | $3,014 |
| Grand Portage | $2,930 |
| Grand Rapids | $2,944 |
| Grandy | $3,335 |
| Granite Falls | $3,275 |
| Grant | $3,407 |
| Grasston | $3,241 |
| Green Isle | $3,133 |
| Greenbush | $2,923 |
| Greenfield | $3,296 |
| Greenwald | $3,051 |
| Greenwood | $3,389 |
| Grey Eagle | $3,071 |
| Grove City | $3,160 |
| Grygla | $2,929 |
| Gully | $2,933 |
| Hackensack | $2,999 |
| Hallock | $2,933 |
| Halma | $2,931 |
| Halstad | $2,985 |
| Ham Lake | $3,571 |
| Hamburg | $3,336 |
| Hamel | $3,356 |
| Hampton | $3,349 |
| Hancock | $3,148 |
| Hanley Falls | $3,277 |
| Hanover | $3,318 |
| Hanska | $3,025 |
| Hardwick | $3,143 |
| Harmony | $2,993 |
| Harris | $3,376 |
| Hartland | $3,102 |
| Hastings | $3,381 |
| Hawley | $2,971 |
| Hayfield | $3,002 |
| Hayward | $3,073 |
| Hector | $3,268 |
| Henderson | $3,154 |
| Hendricks | $3,274 |
| Hendrum | $2,984 |
| Henning | $3,058 |
| Henriette | $3,233 |
| Herman | $3,100 |
| Hermantown | $2,960 |
| Heron Lake | $3,191 |
| Hewitt | $3,076 |
| Hibbing | $2,900 |
| Hill City | $3,063 |
| Hillman | $3,022 |
| Hills | $3,157 |
| Hilltop | $3,593 |
| Hinckley | $3,151 |
| Hines | $2,904 |
| Hitterdal | $2,977 |
| Hoffman | $3,103 |
| Hokah | $3,005 |
| Holdingford | $3,052 |
| Holland | $3,183 |
| Hollandale | $3,071 |
| Holloway | $3,141 |
| Holmes City | $3,084 |
| Holyoke | $3,055 |
| Hopkins | $3,413 |
| Houston | $3,007 |
| Hovland | $2,925 |
| Howard Lake | $3,312 |
| Hoyt Lakes | $2,901 |
| Hugo | $3,423 |
| Humboldt | $2,937 |
| Huntley | $3,109 |
| Hutchinson | $3,184 |
| Ihlen | $3,172 |
| Independence | $3,339 |
| International Falls | $2,937 |
| Inver Grove Heights | $3,439 |
| Iona | $3,204 |
| Iron | $2,921 |
| Ironton | $3,035 |
| Isabella | $2,920 |
| Isanti | $3,324 |
| Isle | $3,227 |
| Ivanhoe | $3,262 |
| Jackson | $3,211 |
| Jacobson | $3,027 |
| Janesville | $3,130 |
| Jasper | $3,158 |
| Jeffers | $3,208 |
| Jenkins | $3,009 |
| Jordan | $3,407 |
| Kabetogama | $2,950 |
| Kanaranzi | $3,185 |
| Kandiyohi | $3,136 |
| Karlstad | $2,927 |
| Kasota | $3,115 |
| Kasson | $3,036 |
| Keewatin | $2,936 |
| Kelliher | $2,904 |
| Kellogg | $3,077 |
| Kennedy | $2,928 |
| Kenneth | $3,149 |
| Kensington | $3,103 |
| Kent | $3,060 |
| Kenyon | $3,138 |
| Kerkhoven | $3,191 |
| Kerrick | $3,097 |
| Kettle River | $3,068 |
| Kiester | $3,126 |
| Kilkenny | $3,155 |
| Kimball | $3,108 |
| Kinney | $2,900 |
| Knife River | $2,925 |
| La Crescent | $3,008 |
| La Salle | $3,134 |
| Lafayette | $3,105 |
| Lake Benton | $3,265 |
| Lake Bronson | $2,929 |
| Lake City | $3,107 |
| Lake Crystal | $3,157 |
| Lake Elmo | $3,437 |
| Lake George | $2,973 |
| Lake Hubert | $3,042 |
| Lake Lillian | $3,152 |
| Lake Park | $2,992 |
| Lake Shore | $3,049 |
| Lake St. Croix Beach | $3,399 |
| Lake Wilson | $3,229 |
| Lakefield | $3,199 |
| Lakeland | $3,409 |
| Lakeville | $3,387 |
| Lamberton | $3,206 |
| Lancaster | $2,931 |
| Lanesboro | $2,991 |
| Laporte | $2,970 |
| Lastrup | $3,057 |
| Lauderdale | $3,462 |
| Le Center | $3,117 |
| Le Roy | $3,016 |
| Le Sueur | $3,124 |
| Lengby | $2,944 |
| Leonard | $2,942 |
| Leota | $3,185 |
| Lester Prairie | $3,160 |
| Lewiston | $3,037 |
| Lewisville | $3,092 |
| Lexington | $3,513 |
| Lilydale | $3,334 |
| Lindstrom | $3,388 |
| Lino Lakes | $3,518 |
| Lismore | $3,182 |
| Litchfield | $3,161 |
| Little Canada | $3,455 |
| Little Falls | $3,051 |
| Little Rock | $2,907 |
| Littlefork | $2,942 |
| Loman | $2,950 |
| Long Lake | $3,381 |
| Long Prairie | $3,074 |
| Longville | $2,996 |
| Lonsdale | $3,204 |
| Loretto | $3,344 |
| Lowry | $3,078 |
| Lucan | $3,214 |
| Lutsen | $2,933 |
| Luverne | $3,177 |
| Lyle | $3,024 |
| Lynd | $3,253 |
| Mabel | $2,992 |
| Madelia | $3,100 |
| Madison | $3,196 |
| Madison Lake | $3,146 |
| Magnolia | $3,162 |
| Mahnomen | $2,998 |
| Mahtomedi | $3,444 |
| Mahtowa | $3,061 |
| Makinen | $2,941 |
| Mankato | $3,107 |
| Mantorville | $3,039 |
| Maple Grove | $3,400 |
| Maple Lake | $3,338 |
| Maple Plain | $3,347 |
| Mapleton | $3,118 |
| Maplewood | $3,455 |
| Marble | $2,938 |
| Marcell | $2,938 |
| Margie | $2,955 |
| Marietta | $3,186 |
| Marine on St. Croix | $3,392 |
| Marshall | $3,251 |
| Martin Lake | $3,501 |
| Max | $2,942 |
| Mayer | $3,355 |
| Maynard | $3,221 |
| Mazeppa | $3,076 |
| Mc Grath | $3,117 |
| McGregor | $3,123 |
| McIntosh | $2,943 |
| Meadowlands | $2,931 |
| Medford | $3,128 |
| Medicine Lake | $3,430 |
| Medina | $3,363 |
| Melrose | $3,049 |
| Melrude | $2,947 |
| Menahga | $3,042 |
| Mendota | $3,358 |
| Mendota Heights | $3,385 |
| Mentor | $2,952 |
| Merrifield | $3,045 |
| Middle River | $2,932 |
| Milaca | $3,392 |
| Milan | $3,256 |
| Millville | $3,041 |
| Milroy | $3,215 |
| Miltona | $3,096 |
| Minneapolis | $3,584 |
| Minneota | $3,270 |
| Minnesota City | $3,018 |
| Minnesota Lake | $3,114 |
| Minnetonka | $3,435 |
| Minnetonka Beach | $3,400 |
| Minnetrista | $3,367 |
| Mizpah | $2,959 |
| Montevideo | $3,270 |
| Montgomery | $3,152 |
| Monticello | $3,326 |
| Montrose | $3,312 |
| Moorhead | $3,004 |
| Moose Lake | $3,064 |
| Mora | $3,186 |
| Morgan | $3,180 |
| Morris | $3,146 |
| Morristown | $3,163 |
| Morton | $3,261 |
| Motley | $3,023 |
| Mound | $3,375 |
| Mounds View | $3,501 |
| Mountain Iron | $2,911 |
| Mountain Lake | $3,220 |
| Murdock | $3,191 |
| Nashua | $3,058 |
| Nashwauk | $2,934 |
| Navarre | $3,355 |
| Naytahwaush | $3,008 |
| Nelson | $3,096 |
| Nerstrand | $3,154 |
| Nett Lake | $2,890 |
| Nevis | $2,982 |
| New Brighton | $3,501 |
| New Germany | $3,354 |
| New Hope | $3,445 |
| New London | $3,149 |
| New Munich | $3,042 |
| New Prague | $3,359 |
| New Richland | $3,114 |
| New Ulm | $3,043 |
| New York Mills | $3,077 |
| Newfolden | $2,936 |
| Newport | $3,467 |
| Nicollet | $3,112 |
| Nielsville | $2,987 |
| Nimrod | $3,060 |
| Nisswa | $3,043 |
| Norcross | $3,114 |
| North Branch | $3,330 |
| North Mankato | $3,119 |
| North Oaks | $3,447 |
| North St. Paul | $3,452 |
| Northfield | $3,258 |
| Northome | $2,945 |
| Northrop | $3,065 |
| Norwood | $3,375 |
| Norwood Young America | $3,364 |
| Nowthen | $3,530 |
| Noyes | $2,944 |
| Oak Grove | $3,549 |
| Oak Island | $2,923 |
| Oak Park | $3,300 |
| Oak Park Heights | $3,415 |
| Oakdale | $3,425 |
| Oakport | $3,005 |
| Odessa | $3,171 |
| Odin | $3,096 |
| Ogema | $2,982 |
| Ogilvie | $3,291 |
| Okabena | $3,187 |
| Oklee | $2,959 |
| Olivia | $3,280 |
| Onamia | $3,341 |
| Ormsby | $3,061 |
| Orono | $3,320 |
| Oronoco | $2,926 |
| Orr | $2,884 |
| Ortonville | $3,185 |
| Osage | $3,016 |
| Osakis | $3,082 |
| Oslo | $2,939 |
| Osseo | $3,437 |
| Ostrander | $2,984 |
| Otsego | $3,333 |
| Ottertail | $3,076 |
| Outing | $3,016 |
| Owatonna | $3,045 |
| Palisade | $3,105 |
| Park Rapids | $2,991 |
| Parkers Prairie | $3,035 |
| Paynesville | $3,059 |
| Pease | $3,388 |
| Pelican Rapids | $3,077 |
| Pemberton | $3,066 |
| Pengilly | $2,940 |
| Pennington | $2,961 |
| Pennock | $3,137 |
| Pequot Lakes | $3,028 |
| Perham | $3,076 |
| Perley | $2,985 |
| Peterson | $2,985 |
| Pierz | $3,044 |
| Pillager | $3,049 |
| Pine City | $3,223 |
| Pine Island | $3,012 |
| Pine River | $3,013 |
| Pipestone | $3,224 |
| Plainview | $3,036 |
| Plato | $3,164 |
| Plummer | $2,954 |
| Plymouth | $3,367 |
| Ponemah | $2,907 |
| Ponsford | $2,993 |
| Porter | $3,256 |
| Preston | $2,994 |
| Princeton | $3,357 |
| Prinsburg | $3,162 |
| Prior Lake | $3,419 |
| Proctor | $2,959 |
| Puposky | $2,905 |
| Racine | $3,012 |
| Ramsey | $3,543 |
| Randall | $3,019 |
| Randolph | $3,384 |
| Ranier | $2,940 |
| Raymond | $3,137 |
| Reading | $3,193 |
| Reads Landing | $3,028 |
| Red Lake Falls | $2,947 |
| Red Wing | $3,167 |
| Redby | $2,906 |
| Redlake | $2,907 |
| Redwood Falls | $3,219 |
| Remer | $2,993 |
| Renville | $3,295 |
| Revere | $3,214 |
| Rice | $3,235 |
| Richfield | $3,395 |
| Richmond | $3,058 |
| Richville | $3,080 |
| Richwood | $2,994 |
| Robbinsdale | $3,454 |
| Rochert | $2,984 |
| Rochester | $2,916 |
| Rock Creek | $3,221 |
| Rockford | $3,328 |
| Rockville | $3,047 |
| Rogers | $3,329 |
| Rollingstone | $3,003 |
| Roosevelt | $2,909 |
| Roscoe | $3,041 |
| Rose Creek | $3,018 |
| Roseau | $2,923 |
| Rosemount | $3,430 |
| Roseville | $3,457 |
| Rothsay | $3,054 |
| Round Lake | $3,167 |
| Royalton | $3,053 |
| Rush City | $3,381 |
| Rushford | $2,999 |
| Rushford Village | $2,999 |
| Rushmore | $3,181 |
| Russell | $3,252 |
| Ruthton | $3,192 |
| Sabin | $2,982 |
| Sacred Heart | $3,279 |
| Saginaw | $2,947 |
| Salol | $2,923 |
| Sanborn | $3,185 |
| Sandstone | $3,141 |
| Santiago | $3,450 |
| Sargeant | $3,021 |
| Sartell | $3,156 |
| Sauk Centre | $3,073 |
| Sauk Rapids | $3,231 |
| Savage | $3,426 |
| Sawyer | $3,065 |
| Scandia | $3,389 |
| Scanlon | $3,061 |
| Schroeder | $2,932 |
| Seaforth | $3,212 |
| Searles | $3,042 |
| Sebeka | $3,059 |
| Shafer | $3,386 |
| Shakopee | $3,446 |
| Shelly | $2,981 |
| Sherburn | $3,089 |
| Shevlin | $2,948 |
| Shoreview | $3,447 |
| Shorewood | $3,378 |
| Side Lake | $2,899 |
| Silver Bay | $2,914 |
| Silver Creek | $3,307 |
| Silver Lake | $3,173 |
| Slayton | $3,243 |
| Sleepy Eye | $3,038 |
| Solway | $2,917 |
| Soudan | $2,896 |
| South Haven | $3,151 |
| South International Falls | $2,945 |
| South St. Paul | $3,423 |
| Spicer | $3,141 |
| Spring Grove | $3,003 |
| Spring Lake | $2,967 |
| Spring Lake Park | $3,583 |
| Spring Park | $3,349 |
| Spring Valley | $3,009 |
| Springfield | $3,108 |
| Squaw Lake | $2,947 |
| St. Anthony | $3,459 |
| St. Augusta | $3,046 |
| St. Bonifacius | $3,384 |
| St. Charles | $3,042 |
| St. Clair | $3,116 |
| St. Cloud | $3,178 |
| St. Francis | $3,424 |
| St. Hilaire | $2,880 |
| St. James | $3,088 |
| St. Joseph | $3,067 |
| St. Louis Park | $3,412 |
| St. Marys Point | $3,402 |
| St. Michael | $3,318 |
| St. Paul | $3,460 |
| St. Paul Park | $3,448 |
| St. Peter | $3,098 |
| St. Rosa | $3,052 |
| St. Stephen | $3,067 |
| St. Vincent | $2,931 |
| Stacy | $3,411 |
| Stanchfield | $3,341 |
| Staples | $3,075 |
| Starbuck | $3,093 |
| Steen | $3,148 |
| Stephen | $2,932 |
| Stewart | $3,150 |
| Stewartville | $2,947 |
| Stillwater | $3,407 |
| Stockton | $2,973 |
| Storden | $3,194 |
| Strandquist | $2,935 |
| Strathcona | $2,927 |
| Sturgeon Lake | $3,109 |
| Sunburg | $3,152 |
| Sunfish Lake | $3,374 |
| Swan River | $2,953 |
| Swanville | $3,056 |
| Swatara | $3,003 |
| Swift | $2,919 |
| Taconite | $2,941 |
| Talmoon | $2,943 |
| Tamarack | $3,117 |
| Taopi | $2,997 |
| Taunton | $3,259 |
| Taylors Falls | $3,388 |
| Tenstrike | $2,906 |
| The Lakes | $3,244 |
| Thief River Falls | $2,887 |
| Tintah | $3,157 |
| Tofte | $2,930 |
| Tonka Bay | $3,389 |
| Tower | $2,898 |
| Tracy | $3,243 |
| Trail | $2,929 |
| Trimont | $3,081 |
| Truman | $3,081 |
| Twig | $2,954 |
| Twin Lakes | $3,104 |
| Twin Valley | $2,982 |
| Two Harbors | $2,923 |
| Tyler | $3,261 |
| Ulen | $2,969 |
| Underwood | $3,076 |
| Upsala | $3,053 |
| Utica | $3,017 |
| Vadnais Heights | $3,455 |
| Vergas | $3,072 |
| Verndale | $3,086 |
| Vernon Center | $3,155 |
| Vesta | $3,187 |
| Victoria | $3,394 |
| Viking | $2,938 |
| Villard | $3,079 |
| Vining | $3,053 |
| Virginia | $2,901 |
| Wabasha | $3,072 |
| Wabasso | $3,206 |
| Waconia | $3,396 |
| Wadena | $3,078 |
| Wahkon | $3,339 |
| Waite Park | $3,045 |
| Waldorf | $3,076 |
| Walker | $2,997 |
| Walnut Grove | $3,206 |
| Waltham | $3,023 |
| Wanamingo | $3,130 |
| Wanda | $3,201 |
| Wannaska | $2,925 |
| Warba | $2,948 |
| Warren | $2,936 |
| Warroad | $2,920 |
| Warsaw | $3,165 |
| Waseca | $3,116 |
| Waskish | $2,891 |
| Watertown | $3,373 |
| Waterville | $3,115 |
| Watkins | $3,137 |
| Watson | $3,236 |
| Waubun | $3,001 |
| Waverly | $3,309 |
| Wayzata | $3,423 |
| Webster | $3,218 |
| Welch | $3,195 |
| Welcome | $3,084 |
| Wells | $3,115 |
| Wendell | $3,121 |
| West Concord | $3,020 |
| West St. Paul | $3,380 |
| West Union | $3,075 |
| Westbrook | $3,195 |
| Wheaton | $3,146 |
| White Bear Lake | $3,502 |
| Willernie | $3,443 |
| Williams | $2,898 |
| Willmar | $3,148 |
| Willow River | $3,151 |
| Wilmont | $3,185 |
| Windom | $3,230 |
| Winger | $2,977 |
| Winnebago | $3,119 |
| Winona | $2,947 |
| Winsted | $3,180 |
| Winthrop | $3,138 |
| Winton | $2,896 |
| Wirt | $2,944 |
| Wolverton | $3,049 |
| Wood Lake | $3,276 |
| Woodbury | $3,423 |
| Woodland | $3,431 |
| Woodstock | $3,204 |
| Worthington | $3,206 |
| Wrenshall | $3,059 |
| Wright | $3,074 |
| Wykoff | $3,003 |
| Wyoming | $3,408 |
| Young America | $3,368 |
| Zimmerman | $3,432 |
| Zumbro Falls | $3,081 |
| Zumbrota | $3,123 |
Minnesota home insurance trends
Minnesota homeowners have been hit particularly hard by the trends driving up insurance rates across the nation. Severe weather events like thunderstorms and tornadoes have forced insurance companies to repair and rebuild more homes than normal. At the same time, inflation has significantly increased construction and roofing costs.
Nationwide, insurance companies have raised their rates by 48% since 2021 to keep up with these growing expenses. During this time, Minnesota’s rates have gone up by 88%. Only Iowa (91%) and Colorado (89%) have seen larger increases.
As home insurance gets more expensive, here are steps you can take to keep your rates in check:
- Shop around: Each company uses a slightly different system to calculate your rate. Comparing quotes from multiple companies helps you find the most affordable option for your situation.
-
Raise your deductible: Choosing a higher deductible
is an easy way to lower your rate. Just make sure to keep an emergency fund to cover your deductible if a disaster strikes.A deductible is the amount you pay for a claim before insurance funds kick in.
- Strengthen your home: Replacing worn roofing with stronger new materials helps protect it from future damage. This can sometimes also get you an insurance discount.
- Upgrade your home: Upgrading an older home’s plumbing, heating and/or wiring can make it safer. Doing so can often also get you an insurance discount.
Insurance for Minnesota’s natural disasters
Standard home insurance generally covers wind and hail damage in Minnesota. Policies often have one wind-and-hail deductible and another deductible for normal perils like fire.
Wind-and-hail deductibles are often a percentage of your policy’s dwelling coverage. If you insure your home for $400,000, a 3% wind-and-hail deductible amounts to $12,000. Deductibles for other perils are usually quoted in dollar amounts, like $1,000 or $2,000.
Your policy’s roof coverage can also affect your rate. Some companies only cover your roof at actual cash value. They reduce your payment for these repairs based on your roof’s age and wear. Replacement cost coverage pays more for roof repairs, but also costs more.
Standard home insurance usually only covers water damage in rare situations. For example, water damage from a ruptured water heater or burst pipes is usually covered. However, floods are usually not covered, so you may need flood insurance.
Minnesota flood insurance
Flood insurance costs an average of $1,138 a year in Minnesota, or $95 a month. Most people get flood insurance through the government-run National Flood Insurance Program (NFIP). However, several companies offer private flood insurance.
Lenders require flood insurance for mortgages in Minnesota’s high-risk flood zones. It’s often worth considering in other situations because floods can happen just about anywhere.
Your current home insurance agent, or the ones you contact for quotes, can usually get you an NFIP quote. Neptune Flood and Allstate are among the companies with private flood insurance in Minnesota.
Compare homeowners insurance in Minnesota
Shopping around is a good way to save money on home insurance in Minnesota. Follow these tips to save time, too:
-
Share your declarations page: If you already have home insurance, you can share your declarations page
with other companies to get quotes faster.Your declarations page shows your coverage limits, deductibles, discounts and rates. It’s also known as your policy summary.
- Ensure your info is accurate: It’s normal for your coverage limits to vary by company. However, make sure the information shown about your home is accurate in each quote.
- Make apples-to-apples comparisons: Your deductibles and coverage options should match up in each quote. This gives you an apples-to-apples comparison of each company’s rates.
- Seek out bundled quotes: Most companies offer a generous discount for bundling your home and auto insurance. Get quotes for both policies to compare combined rates.
- Ask about discounts: Most discounts are automatically applied to your quote, but you don’t want any to get overlooked.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance costs an average of $3,584 a year in Minneapolis, or $299 a month. This is 14% higher than the state average. Home insurance is slightly cheaper in St. Paul, at $288 a month.
Minnesota has been hit hard by trends that have driven up home insurance rates across the country. Insurance companies in most states have raised their rates to keep up with their costs from natural disasters and inflation. Unfortunately, Minnesota’s rates have risen faster than in most other states.
Yes. Home insurance in Minnesota usually covers hail damage to your roof. However, insurance companies often cover roofs only at actual cash value, after depreciation for age and wear. This reduces your insurance payment for roof repairs and requires you to pay more out of pocket.
Methodology
How we chose the best homeowners insurance in Minnesota
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Minnesota ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included the NAIC’s complaint index scores and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.