Compare average insurance rates in Saint Paul for 2026
🏠
Home
$2163
/year
🚗
Auto
$1700
/year
🏥
Health
$392
/month
💰
Life
$21
/month
🏢
Renters
$15
/month
Home Insurance in Saint Paul, MN
The average cost of homeowners insurance in Saint Paul, Minnesota is $2,163 per year in 2026. This compares to the state average of $2,100 per year.
$2,163per year (avg in Saint Paul)
$1339MN avg: $2,100$3090
Factors Affecting Home Insurance in Saint Paul
🏠
Home Value Average: $320,000
🌪
Weather Risk medium
🌊
Flood Zone 5% of properties
📈
Cost Index 1.03 (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
$1,622
Standard (HO-3)
$320,000
$160,000
$300,000
$2,163
Premium (HO-5)
$400,000
$240,000
$500,000
$2,920
Auto Insurance in Saint Paul, MN
The average annual cost of auto insurance in Saint Paul is $1,700, compared to the Minnesota state average of $1,650.
$1,700per year (avg in Saint Paul)
$1082MN avg: $1,650$2420
📋
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
$935
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,700
Premium
250/500/250
$250 deductible
$250 deductible
$2,210
Health Insurance in Saint Paul, MN
The average monthly health insurance premium in Saint Paul 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 Saint Paul
💰 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
$15
per month (avg in Saint Paul)
Renters insurance in Saint Paul 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 Saint Paul
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Saint Paul, MN is $2,163 per year for a standard HO-3 policy. Rates range from $1,339 to $3,090 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Saint Paul is $1,700 per year for full coverage. Liability-only coverage averages around $765 per year. Minnesota requires minimum coverage of 30/60/10.
Insurance costs in Saint Paul are close to the national average (cost index: 1.03). Home insurance averages $2,163/yr and auto insurance $1,700/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 1.03), 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. Saint Paul residents can potentially save $773+ 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 Saint Paul
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