The Best and Cheapest Home Insurance in Minnesota

The Best and Cheapest Home Insurance in Minnesota

North Star Mutual has Minnesota's cheapest home insurance at $980 per year, 50% less than the state average.

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Home insurance in Minnesota costs an average of $1,979 per year, but cost is just one of several factors that determine the best home insurance policy for you. We collected thousands of quotes across hundreds of ZIP codes from Minnesota's top home insurance companies to help you find the best one to fit you.

Best cheap home insurance in Minnesota

Cheapest homeowners insurance quotes in Minnesota

North Star has the cheapest home insurance rate in Minnesota, at $980 per year.

American Family and Travelers also have affordable home insurance that's cheaper than the statewide average.

most affordable home insurance in Minnesota

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The average annual rate of home insurance in Minnesota is $1,979 per year. Overall, home insurance in Minnesota costs 31% more than the national average of $1,516.

Annual cost
North Star Mutual logo
North Star$980
American Family logo
American Family$1,540
Travelers logo
Allstate logo
Farmers logo
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Best home insurance in Minnesota for most people: North Star Mutual

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  • Editor rating

  • Annual rate

    $980 ?

Pros and cons

  • Great customer service
  • Cheapest rates
  • Highly customizable coverage
  • No online quotes

North Star Mutual has the cheapest home insurance in Minnesota, with an annual rate of $980 per year — half the average cost in the state.

North Star's basic home insurance package comes with coverage for most perils, including theft, vandalism and fire. However, you can add other coverages if you want more protection, including extended replacement cost coverage, which protects you for up to 25% more than your coverage limit. North Star offers over a dozen add-ons for an extra cost.

Even if you purchase an add-on, you may be able to lower your premium by taking advantage of discounts if you:

  • Live in a secure subdivision
  • Are over the age of 55 and retired
  • Own a home less than 14 years old
  • Renew your policy at least three consecutive times
  • Have recently upgraded your home
  • Install fire alarms or other safety devices
  • Bundle home and auto insurance

North Star also has the highest customer satisfaction rating in the state, with customers filing almost half as many complaints as other insurers of similar size. The company provides local agents to help homeowners with their questions or claims, giving guidance through the filing process.

Unfortunately, North Star doesn't offer online quotes, although you are able to file claims and make payments online. If affordable rates and customizable coverage are important to you, North Star Mutual is a great company for home insurance in Minnesota.

Best home insurance for bundling in Minnesota: American Family

  • Editor rating

  • Annual rate

    $1,540 ?

Pros and cons

  • Strong customer service
  • Highly customizable policies
  • Strong online features
  • Not the cheapest coverage

American Family (AmFam) has excellent customization options for Minnesota homeowners, along with great customer service and fair rates. AmFam policies are 22% cheaper than the state average, at $1,540 per year, though it's not the cheapest company in the state.

American Family lets you get fast online quotes, along with a well-rated mobile app for filing claims and paying your bill.

Additionally, American Family offers steep discounts compared to competitors, the most notable being the discount for bundling home and auto insurance, which could give you up to 23% off your rate. AmFam also offers other common discounts including loyalty discounts, renovated home discounts and discounts for automatic payments. This means American Family may end up being cheaper for you overall.

Best online tools: Allstate

  • Editor rating

  • Annual rate

    $1,598 ?

Pros and cons

  • Strong online tools
  • Low rates
  • Not the cheapest option

Allstate has one of the most convenient online experiences of any company in Minnesota. The insurer's online form lets you get a quote and purchase coverage in less than 10 minutes. Allstate's app lets you pay your bill, manage your claims and create an inventory of your personal property.

Allstate's prices make it one of the most affordable homeowners insurance companies in the state. The average cost of home insurance from Allstate is $1,598 per year, 19% cheaper than Minnesota's average price. You can also get a number of add-ons for an extra charge, including coverage for green home improvement, sump pump backup, landscaping and yard equipment.

Allstate's customer service reputation is mixed with a low number of complaints, but their J.D. Power score doesn't stand out. If you value a convenient online experience, Allstate could be a good choice for you.

Minnesota home insurance rates by city

Rochester has Minnesota's cheapest home insurance rate at $1,948 per year, which is 2% below the state average.

Lakeland has the most expensive average rate at $2,431 per year.

Home insurance in Minneapolis, the largest city in Minnesota, costs an average of $2,345 — 20% above the state average. St. Paul, the next-largest city, is 18% more expensive for home insurance than the state average.

Average annual cost
Difference from state average
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Best home insurance companies in Minnesota

North Star and Western National have the best customer service for home insurance in Minnesota.

North Star scored top marks from our editors for its cheap rates and high customer service rating.

AAA, American Family, Auto-Owners and State Farm also have strong customer support in Minnesota.

North Star
Western National
American Family
State Farm
Country Financial

Most common home insurance risks in Minnesota: Wind and snow

Even though Minnesota's windy and snowy weather is often covered by most homeowners insurance companies, there are some exclusions that could limit your claim payout.


Wind and tornado damage is almost always included as a covered peril in a standard home insurance policy.

If you live in an area of Minnesota that often experiences wind damage, it's still a good idea to make sure your policy covers as much as your assets are worth.

You should consider purchasing replacement cost coverage if your home is eligible. Most homeowners insurance policies only reimburse you for the value of your depreciated property, but replacement cost coverage can ensure you're able to restore your home if it's destroyed by a covered peril.


Most homeowners insurance companies include protection for damage that snow or ice can cause. Policies usually include coverage for the weight of snow or ice and for freezing. If snow accumulated on your roof and caused it to cave in, for example, your policy would protect you.

Water damage could also be covered by your policy if melting snow found its way into your house and soaked your property. As long as you're not responsible for water getting in, leaks are protected by most homeowners insurance policies. However, mold may be excluded from coverage, depending on its source.

Frequently asked questions

How much is home insurance in Minnesota?

The average cost of homeowners insurance in Minnesota is $1,979 per year. That's around 31% higher than the national average cost of home insurance, which is $1,516.

Who has the best home insurance in Minnesota?

North Star has the best home insurance in Minnesota due to cheap rates, great customer service and customizable policies.

Who has the cheapest home insurance in Minnesota?

North Star offers the cheapest home insurance rate in Minnesota at around $82 a month, which is 50% cheaper than the state average of $165.


To find the best home insurance companies in Minnesota, we collected thousands of quotes from the top companies in the state. We compared rates based on a home built in 1977 and worth $223,900, the median age and value of Minnesota homes.

ValuePenguin's rating analysis used data from Quadrant Information Services, the National Association of Insurance Commissioners (NAIC) and the J.D. Power customer satisfaction survey. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.