Compare average insurance rates in Alexandria for 2026
🏠
Home
$2184
/year
🚗
Auto
$1716
/year
🏥
Health
$392
/month
💰
Life
$21
/month
🏢
Renters
$16
/month
Home Insurance in Alexandria, MN
The average cost of homeowners insurance in Alexandria, Minnesota is $2,184 per year in 2026. This compares to the state average of $2,100 per year.
$2,184per year (avg in Alexandria)
$1352MN avg: $2,100$3120
Factors Affecting Home Insurance in Alexandria
🏠
Home Value Average: $320,000
🌪
Weather Risk medium
🌊
Flood Zone 5% of properties
📈
Cost Index 1.04 (100 = national avg)
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$256,000
$128,000
$100,000
$1,638
Standard (HO-3)
$320,000
$160,000
$300,000
$2,184
Premium (HO-5)
$400,000
$240,000
$500,000
$2,948
Auto Insurance in Alexandria, MN
The average annual cost of auto insurance in Alexandria is $1,716, compared to the Minnesota state average of $1,650.
$1,716per year (avg in Alexandria)
$1092MN avg: $1,650$2444
📋
Minimum Coverage in Minnesota: 30/60/10
⚖️
No-Fault State: Minnesota is a no-fault insurance state. This means your own insurance pays for your injuries regardless of who caused the accident. Personal Injury Protection (PIP) coverage is required, which can increase premiums.
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$943
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,716
Premium
250/500/250
$250 deductible
$250 deductible
$2,230
Health Insurance in Alexandria, MN
The average monthly health insurance premium in Alexandria is $392 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$392per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$282
$7,000
$9,100
Healthy, low usage
Silver
$392
$4,500
$9,100
Moderate usage
Gold
$490
$1,650
$8,700
Regular medical needs
Platinum
$588
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Alexandria
💰 Life Insurance
$21
per month (20-year term, $500K)
Life insurance rates in Minnesota are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $21/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$16
per month (avg in Alexandria)
Renters insurance in Alexandria covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Alexandria
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Alexandria, MN is $2,184 per year for a standard HO-3 policy. Rates range from $1,352 to $3,120 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Alexandria is $1,716 per year for full coverage. Liability-only coverage averages around $772 per year. Minnesota requires minimum coverage of 30/60/10.
Insurance costs in Alexandria are close to the national average (cost index: 1.04). Home insurance averages $2,184/yr and auto insurance $1,716/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 1.04), moderate natural disaster risk, average home values ($320,000), your personal claims history, credit score, and no-fault insurance laws in Minnesota.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Alexandria residents can potentially save $780+ per year.
Minnesota requires minimum auto liability coverage of 30/60/10 (bodily injury per person / per accident / property damage in thousands). As a no-fault state, PIP coverage is also required.
Compare Insurance Quotes in Alexandria
Get personalized quotes from top insurers in Minnesota. Compare rates in minutes.