Average insurance rates across 123 cities in Minnesota
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Minneapolis | 429,954 | $2,205 | $1,732 | $393/mo | $16/mo |
| Saint Paul | 311,527 | $2,163 | $1,700 | $392/mo | $15/mo |
| St. Paul | 308,806 | $2,184 | $1,716 | $392/mo | $16/mo |
| Rochester | 121,870 | $2,184 | $1,716 | $392/mo | $16/mo |
| Duluth | 118,574 | $2,184 | $1,716 | $392/mo | $16/mo |
| St. Cloud | 116,649 | $2,184 | $1,716 | $392/mo | $16/mo |
| Bloomington | 89,244 | $2,184 | $1,716 | $392/mo | $16/mo |
| Brooklyn Park | 84,951 | $2,184 | $1,716 | $392/mo | $16/mo |
| Plymouth | 79,918 | $2,184 | $1,716 | $392/mo | $16/mo |
| Woodbury | 75,549 | $2,184 | $1,716 | $392/mo | $16/mo |
| Lakeville | 70,696 | $2,184 | $1,716 | $392/mo | $16/mo |
| Maple Grove | 70,110 | $2,184 | $1,716 | $392/mo | $16/mo |
| Blaine | 70,047 | $2,184 | $1,716 | $392/mo | $16/mo |
| Eagan | 68,262 | $2,184 | $1,716 | $392/mo | $16/mo |
| Burnsville | 64,075 | $2,184 | $1,716 | $392/mo | $16/mo |
Minnesota residents pay an average of $2,100 per year for home insurance and $1,650 for auto insurance. As a no-fault state, Minnesota requires Personal Injury Protection (PIP) in addition to standard liability coverage. The minimum auto liability coverage required is 30/60/10.
Health insurance in Minnesota averages $390 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in Minnesota include State Farm, Farmers, American Family.
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Policygenius The ZebraThe average home insurance cost in Minnesota is $2,100 per year. Rates range from $1,300 to $3,000 depending on home value, location, and coverage level.
Auto insurance in Minnesota averages $1,650 per year for full coverage. The state minimum coverage is 30/60/10. As a no-fault state, PIP coverage is also required.
Minnesota has moderate insurance costs, with home insurance at $2,100/yr and auto at $1,650/yr compared to national averages of $2,300 and $1,800 respectively.
Minnesota requires minimum liability coverage of 30/60/10 (bodily injury per person / per accident / property damage in thousands). It is a no-fault state requiring PIP coverage.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.