Updated: December 13, 2024
Advertising & Editorial Disclosure
In St. Paul, Minnesota, Chubb is the best choice for home insurance overall, also with the cheapest rates and the best customer service.
Insurance companies cater to different needs. Choosing affordable options depends on individual needs, like customer support, policy options and financial stability.
Best HomeInsuranceSt. Paul, MNTable of Contents
Why Trust MoneyGeek? We used data from Minnesota's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in St. Paul, ensuring our recommendations are well-supported.
Home insurance premiums in St. Paul represent the most competitive offers as of September 2024.
MoneyGeek found that Chubb is the best option in St. Paul, MN, for home insurance with $100K dwelling coverage, earning a MoneyGeek score of 99 out of 100.
The scores for home insurance companies in St. Paul range from 48 to 99. These figures reflect MoneyGeek's scoring system, which may vary for different insurers based on factors like your credit history and the age of your home.
| Chubb | 99 | $860 |
| Auto-Owners Insurance | 91 | $1,170 |
| American Family | 85 | $1,166 |
| State Farm | 78 | $1,470 |
| Farmers | 66 | $1,668 |
| North Star Mutual | 59 | $1,530 |
| Encompass | 53 | $1,980 |
| COUNTRY Financial | 48 | $2,549 |
MoneyGeek found that Chubb is the best option for $100K dwelling coverage in St. Paul, MN. The two best overall home insurance companies in the city for the same coverage are:
Chubb stands out as the best home insurance provider for its affordability, customer satisfaction and comprehensive coverage, contributing to its high MoneyGeek score.
Various companies offer different prices and service experiences in St. Paul. While cost is important, consider other factors like customer service and claims handling, as they become crucial when making a claim.
Chubb is the best overall company, with high scores in affordability and satisfaction. It offers comprehensive home insurance with coverages. Guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law coverage pays to bring damaged areas up to code. The cash settlement option lets you choose not to rebuild and receive a cash payout instead.
Chubb also provides discounts like new home and home renovation, which can help you save money if your home is less than 10 years old.
MoneyGeek found that Chubb offers the best customer service in home insurance in St. Paul, MN, for $100K dwelling coverage. Here are the top two insurance providers for this coverage:
Chubb ranks highest because of its excellent customer satisfaction score. Choose Chubb for a balance of affordability and high-quality customer support. Excellent service in home insurance means reliable help when you need to file a claim.
Chubb is the best for service quality, with high customer satisfaction and coverage scores. It offers comprehensive home insurance with coverages. Guaranteed replacement cost helps rebuild your home after a loss. Building ordinance or law pays for updates to meet current codes. Cash settlement lets you choose not to rebuild and get a cash payout instead.
Chubb provides discounts like new home and home renovation, helping you save. If your home is 10 years old or less, you can qualify for the new home discount.
MoneyGeek found that Chubb is the best cheap home insurance company in St. Paul, MN. The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:
Chubb balances excellent affordability and customer satisfaction. Cheap home insurance usually means opting for lower coverage, which can save money but might be risky if an accident occurs.
In instances where saving on premiums is a priority, considering the cheapest companies or learning the average cost of homeowners insurance in Minnesota may be beneficial. Best cheap differs from cheapest because the former considers service and satisfaction, not just price.
Chubb is the best cheap company with a high MoneyGeek Score due to its affordability. It offers comprehensive home insurance with different coverages. Guaranteed replacement cost helps rebuild homes after damage. Building ordinance or law pays for updates to meet current codes. Cash settlement offers flexibility if you choose not to rebuild.
Chubb also provides discounts like new home and home renovation. Having a new or recently renovated home can help homeowners save money.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
Several factors affect homeowners insurance in St. Paul, with location being key. Comparing insurance rates is the best way to save, though it can be time-consuming, taking 15 minutes per company. To compare three or more insurers might mean over an hour of research. MoneyGeek's home insurance calculator saves time by focusing on key factors. Enter age, dwelling coverage, credit score, deductible, liability coverage and other details to get an estimate.
MoneyGeek found that Chubb is the most affordable home insurance option in St. Paul, MN. The most important factor in home insurance premiums is the dwelling coverage you select.
Chubb's low cost stands out for $100K coverage. Auto-Owners Insurance is not only the best-priced for $250K but also has the highest score in its category. It's also the cheapest for $500K coverage. Choosing the cheapest homeowners insurance in Minnesota can provide relief in managing finances.
| Chubb | $860 |
| American Family | $1,166 |
| Auto-Owners Insurance | $1,170 |
| State Farm | $1,470 |
| North Star Mutual | $1,530 |
| Farmers | $1,668 |
| Encompass | $1,980 |
| COUNTRY Financial | $2,549 |
Auto-Owners Insurance offers the lowest annual premium for high-value homes in St. Paul, MN. High dwelling coverage is necessary for homes that cost more to replace because home insurance costs rise accordingly.
Auto-Owners Insurance is the most affordable option for homes valued at $750K in St. Paul, MN. According to MoneyGeek, the company not only offers a competitive price but also ranks high in the overall score.
| Auto-Owners Insurance | $4,441 |
| American Family | $4,518 |
| Farmers | $4,647 |
| Chubb | $6,172 |
| State Farm | $6,399 |
| Encompass | $6,878 |
| North Star Mutual | $9,544 |
| COUNTRY Financial | $11,356 |
American Family offers the cheapest home insurance for new homes in St. Paul, MN.
American Family stands out in St. Paul due to its low cost of $733 per year for $100K dwelling coverage. While it offers the lowest price, it may not be the best-rated option by some rankings. You also need to make sure you are adequately covered.
| American Family | $733 |
| Chubb | $860 |
| Auto-Owners Insurance | $872 |
| State Farm | $878 |
| North Star Mutual | $1,103 |
| Farmers | $1,247 |
| COUNTRY Financial | $1,488 |
| Encompass | $1,980 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. However, it should also depend on your needs, so consider factors beyond premiums like coverage limits, deductibles and discounts. Follow these steps to get the best cheap home insurance.
To understand how much home insurance coverage you need, consider factors specific to your home in St. Paul, such as rebuilding costs and personal property value.
Check out insurance companies in St. Paul. Look for those with solid financial stability and positive customer feedback.
Once you have identified your coverage needs, compare home insurance quotes. In St. Paul, $100K dwelling coverage premiums range from $860 to $2,549 annually.
Inquire with each provider about discounts, such as those for bundling, installing safety features or remaining claims-free.
Opting for a higher home insurance deductible can reduce your premium but ensure it is affordable in case of a claim.
Enhancing your home's security with systems and strong locks can lower its risk profile and reduce insurance costs.
Keep a good credit score, as it can influence your insurance rates in St. Paul. Pay bills promptly and manage debt effectively.
Consider bundling your homeowner insurance with other policies, like auto insurance, to benefit from potential discounts.
The best cheap home insurance provider in St. Paul depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in St. Paul, MN.
The average home insurance cost in St. Paul is $1,299.
The cheapest home insurance company in St. Paul is Chubb, with an annual premium of $860.
The best home insurance in Minnesota for St. Paul residents is from Chubb, with a MoneyGeek score of 99 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
