Below are our picks for the best home and auto insurance bundling companies in Minnesota:
Best Home and Auto Insurance in Minnesota
Updated: April 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
Minnesota's top home and auto insurance companies are Auto-Owners, State Farm and Allstate.
State Farm offers the best home and auto insurance discount, with savings of 14% on auto and 35% on home insurance.
The average annual home and auto insurance cost in Minnesota is $2,626, about 15% lower than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Minnesota?
| Auto-Owners | 100 | $2,120 | $119 |
| State Farm | 81 | $2,386 | $934 |
| Allstate | 61 | $3,371 | $431 |
Auto-Owners: Best Cheap Home and Auto Insurance in Minnesota
Auto-Owners offers the lowest rates in Minnesota for home and car insurance bundles. On average, bundling saves 10% on home insurance. The company provides additional discounts for timely payments and safety features. Auto-Owners ranks third in the region for customer service, according to J.D. Power's auto insurance study.
| Auto | $1,013 | $0 | 0% |
| Home | $1,107 | $119 | 10% |
State Farm: Best Customer Experience for Home and Auto Insurance in Minnesota
State Farm offers the second-most affordable rates in Minnesota, along with the largest discount for bundling home and auto insurance. The company provides additional savings through programs like Drive Safe and Save. State Farm ranks fifth for auto and seventh for home insurance in J.D. Power's customer satisfaction study.
| Auto | $959 | $161 | 14% |
| Home | $1,427 | $773 | 35% |
Allstate: Best Home and Auto Insurance Coverage in Minnesota
Allstate isn't the most affordable option in Minnesota, but it offers many discount opportunities. Its Drivewise program can save drivers up to 40% on car insurance. Allstate also provides accident forgiveness, new car replacement and green improvement reimbursement, which are uncommon in the industry.
| Auto | $1,424 | $177 | 11% |
| Home | $1,947 | $254 | 12% |
Minnesota Home and Auto Insurance Cost
Minnesota's average monthly home and auto insurance cost is $219, below the national average of $258. Depending on the provider, monthly rates range from $177 to $281.
| Minnesota home and auto insurance bundle | $2,626 | $468 | -15% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Minnesota Home and Auto Insurance Quotes Without Bundling
Not bundling home and auto insurance in Minnesota is more expensive, according to our research, but your quotes may vary. Below are the average costs of all coverage combinations using our top providers without bundling, from cheapest to most expensive.
| State Farm | Auto-Owners | $2,345 |
| Allstate | Auto-Owners | $2,827 |
| Auto-Owners | State Farm | $3,213 |
| Auto-Owners | Allstate | $3,214 |
| State Farm | Allstate | $3,320 |
| Allstate | State Farm | $3,801 |
Should I Bundle Home and Auto Insurance in Minnesota?
Bundling home and auto insurance often costs less than buying separate policies for Minnesota drivers. However, you should evaluate your coverage needs and financial situation to find the best option.
Bundling discounts save you more than individual policies
Bundling home and auto insurance in Minnesota can lead to significant savings. The cheapest annual cost without bundling is $2,345, while bundling brings it down to $2,120.
Bundling makes policy management convenient
Having your home and auto insurance under one account makes managing your policies easier and more convenient.
In rare cases, it might be better not to bundle in Minnesota
Choosing not to bundle might not save you more money but can offer more flexibility in coverage options.
Best Auto and Home Insurance in Minnesota: Bottom Line
Auto-Owners, State Farm and Allstate are the top companies for bundling home and auto insurance in Minnesota. Bundling these policies can save you more money than buying them separately. Compare quotes from multiple companies to find the best deal for your needs.
Home and Auto Insurance in Minnesota: FAQ
Find expert answers to common questions about home and auto insurance in Minnesota:
Who has the best home and auto insurance in Minnesota?
Auto-Owners is the best home and auto insurance company in Minnesota. State Farm is the top option for customer experience. For coverage options, we recommend Allstate.
Who has the cheapest home and auto insurance in Minnesota?
In Minnesota, Auto-Owners offers the cheapest home and auto insurance bundle at $2,120 annually. Customers save an average of $119 compared to the state average.
How much does home and auto insurance in Minnesota cost on average?
Minnesota's average annual premium for bundled home and auto insurance is $2,626, below the national average. The most affordable bundle costs about $2,120 with Auto-Owners, while the priciest is $3,371 with Allstate.
Is bundling home and auto insurance cheaper in Minnesota?
Bundling home and auto insurance is typically cheaper in Minnesota. While seeking the cheapest option, ensure your coverage protects against major losses.
Best Auto and Home Insurance Bundle in Minnesota: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Minnesota Department of Commerce and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Minnesota
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Minnesota
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.