St. Paul Home Insurance Costs (2026)

How much is homeowners insurance in St. Paul?

Homeowners insurance in St. Paul averages $281 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are Auto-Owners, Farmers, American Family and State Farm, and each one priced our sample home in all 29 St. Paul ZIP codes in our data, in Ramsey County, Dakota County and Washington County. For this house, St. Paul is the most expensive of the 3 Minnesota cities in our data with at least 5 ZIP codes, and above the Minnesota average of $272 a month.

Our figures are for a $300,000 dwelling, which works out to about $11.25 a year for each $1,000 of dwelling coverage in St. Paul; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the St. Paul average rose 3.3% since Nov. 2025, from $3,269 a year ($272 a month) on Nov. 30, 2025, to $3,376 ($281) on Sept. 30, 2026, as Auto-Owners’ rose 12.5%, Farmers’ rose 5.2% and the other insurers’ prices didn’t change.

Homeowners insurance averages by insurer in St. Paul for our sample home (rates as of Sept. 30, 2026)

Auto-Owners averaged $215 a month ($2,580 a year), Farmers $238 ($2,850), American Family $309 ($3,706) and State Farm $364 ($4,367) for our sample home.

Same sample home: each insurer’s average yearly price in the same St. Paul ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 4 insurers in the table priced the same 29 St. Paul ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the St. Paul address:

• Auto-Owners ran from $2,526 a year in 55103 to $2,688 in 55110.
• Farmers ran from $2,660 a year in 55110 to $3,104 in 55120.
• American Family ran from $3,468 a year in 3 ZIP codes, including 55118 to $4,054 in 3 ZIP codes, including 55110.
• State Farm ran from $4,327 a year in 55124 to $4,453 in 3 ZIP codes, including 55110.

Who has the cheapest homeowners insurance in St. Paul?

Auto-Owners had the lowest home average for our sample home of the insurers anyone can buy from, $215 a month ($2,580 a year), 9.5% below Farmers’ $2,850 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In St. Paul, ZIP code averages for this house ran from $275 to $293 a month, while insurers’ St. Paul averages ran from $215 to $364.

If prices stayed where they are today, the $1,787-a-year gap between the lowest and highest averages among the insurers anyone can buy from in St. Paul would add up to $8,935 over five years for this house.

Same house, different city: how does St. Paul compare?

The same sample home costs $281 a month in St. Paul, $220 in Duluth and $277 in Minneapolis, the 3 Minnesota cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in St. Paul, other Minnesota cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

St. Paul has the highest average of these Minnesota cities; Duluth, the lowest, averages $220 a month, 21.9% less for the same house.

Compared with Minneapolis, the Minnesota city with the most ZIP codes in our data (49), the same house costs 1.6% more to insure in St. Paul.

Across the U.S., 164 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than St. Paul, and 127 a higher one.

For the statewide picture, see home insurance costs in Minnesota and Minneapolis home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in St. Paul?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in St. Paul averages $281 a month ($3,376 a year) across the 4 insurers we compared in 29 ZIP codes (rates as of Sept. 30, 2026). That’s 3.5% above the $272-a-month Minnesota average for the same house. Insurers’ averages for that same house ran from $215 to $364 a month.

Why your St. Paul quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a St. Paul quote above the $281 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

What drives home insurance prices in St. Paul?

For our sample house, St. Paul is the most expensive of the 3 Minnesota cities in our data with at least 5 ZIP codes, and 8.9% above the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what St. Paul homes face.

The Mississippi River crested at St. Paul at 26.01 feet on April 16, 1965, the top of the city’s list of historic crests, according to the City of Saint Paul and the Minnesota Department of Natural Resources.

On May 6, 1965, six tornadoes affected six counties around the Twin Cities, with 13 fatalities and over 500 injured, according to the National Weather Service.

How to find cheaper home insurance in St. Paul

For our sample home, insurers’ St. Paul averages ran from $2,580 to $4,367 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: even one insurer’s price moves a lot by address: American Family’s for our sample home ran from $3,468 to $4,054 a year depending on the St. Paul ZIP code.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 21 months of St. Paul’s $281-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $281-a-month St. Paul average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in St. Paul?

Renters insurance for our sample renter averages $21 a month ($255 a year) in St. Paul. For our sample renter, prices among the 4 insurers we compared ranged from $13 to $28 a month, a $15-a-month gap for the same coverage.

Renters insurance averages by insurer in St. Paul for our sample renter (rates as of Sept. 30, 2026)

State Farm averaged $13 a month ($153 a year), Auto-Owners $18 ($210), American Family $27 ($323) and Farmers $28 ($332) for our sample renter.

State Farm had the lowest renters average for our sample renter of the insurers anyone can buy from, $13 a month ($153 a year), 27.3% below Auto-Owners’ $210 a year, the next of those insurers. Another insurer may be lower for your apartment, so compare quotes.

For renters insurance, St. Paul is the 2nd least expensive of the 3 Minnesota cities in our data with at least 5 ZIP codes: its average is 6.3% above the Minnesota renters average of $239 a year ($20 a month) and 0.6% below the average of the 50 states and D.C., $256 a year ($21 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 159 have a lower renters average for our sample renter than St. Paul, 132 a higher one. Our sample renter’s policy costs about 8% of what our sample home costs to insure in St. Paul.

For the same insurers and ZIP codes, the St. Paul renters average fell 1.7% since Nov. 2025, from $22 to $21 a month, as Auto-Owners’ fell 7.8% and the other insurers’ prices didn’t change.

By ZIP code, the St. Paul renters average for our sample renter ran from $19 a month in 55115 to $22 in 55130. Of the 29 ZIP codes, 12 averaged more than the city’s $21 a month for our sample renter, 5 less and 12 the same.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 116 sample prices by 4 insurers across 29 St. Paul ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in a St. Paul apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In St. Paul, that package averages $21 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 29 St. Paul ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in St. Paul

Many St. Paul homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See car insurance rates in St. Paul · Minnesota car insurance rates · How bundling home and auto insurance works