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Cheap Home Insurance in Minnesota

Compare home insurance across Minnesota — pick your city or ZIP for local rates, or get free quotes now.

Short answer: home insurance in Minnesota depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. The average annual home insurance premium in Minnesota is about $1,774 (NAIC, 2022); your exact rate depends on coverage and profile.
Updated August 2026
Minnesota home insurance basics
Home insurance in Minnesota is shaped by local weather and rebuild costs. Local requirements and typical premiums vary — get a quote for your exact rate. Statewide average premium: ~$1,774/yr (NAIC, 2022). Verify with the state insurance department →

Cities in Minnesota

Minneapolis, MN
St. Paul, MN
Rochester, MN
Bloomington, MN
Duluth, MN
Brooklyn Park, MN
Plymouth, MN
St. Cloud, MN
Woodbury, MN
Eagan, MN
Maple Grove, MN
Eden Prairie, MN
Coon Rapids, MN
Burnsville, MN
Blaine, MN

Minnesota home insurance FAQ

How much is home insurance in Minnesota?

The average annual home insurance premium in Minnesota is about $1,774 (NAIC, 2022); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.

How do I get cheap home insurance in Minnesota?

Compare multiple carriers, bundle policies, and check local Minnesota discounts. Get free quotes in a couple of minutes.

Also compare auto insurance in Minnesota →