The average homeowners insurance in Minnesota is $2,729 per year — that's 7% above the U.S. average of $2,543, the 22nd most expensive of 51 states.
| Minnesota average | $2,729 per year |
|---|---|
| U.S. average | $2,543 per year |
| Difference | +7% (+$186/yr) |
| Rank (most expensive) | 22nd of 51 |
Minnesota sits in the Midwest and ranks 22nd of 51 for home insurance cost. The main driver is hail and severe winter weather — insurers price that risk straight into your premium. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
Your state's full breakdown plus the discounts most people miss. Free, no obligation.
The levers that move your rate the most: raising your deductible; bundling home and auto with one carrier; adding wind/hail mitigation or a newer roof; asking about every discount (claims-free, security system, new-buyer). The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare Minnesota Home Insurance Rates — Free, 2 Minutes →The average homeowners insurance in Minnesota is about $2,729 per year as of 2026 — 7% above the national average of $2,543 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
Minnesota ranks 22nd out of 51 for home insurance cost. Rates run high largely because of hail and severe winter weather.
The fastest levers: raising your deductible, bundling home and auto with one carrier, adding wind/hail mitigation or a newer roof. Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.