Minnesota's best home insurance companies are American Family, State Farm, Chubb, Farmers and COUNTRY Financial. American Family ranks first for affordability and customer service, while Chubb excels in coverage options. Compare all our top picks below.
Best Homeowners Insurance in Minnesota
Updated: June 20, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Minnesota are American Family, State Farm and Chubb.
American Family offers the best overall home insurance for most Minnesota homeowners. However, Chubb could be a more suitable option for those with bad credit.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Minnesota?
| American Family | 92 | 1 | 2 | 2 |
| State Farm | 90 | 2 | 3 | 3 |
| Chubb | 88 | 4 | 1 | 1 |
| Farmers | 76 | 3 | 4 | 5 |
| COUNTRY Financial | 74 | 5 | 5 | 3 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings highlight the best overall home insurance options, they may vary by home and homeowner categories. Below is a summary of the top choices for key categories.
| American Family | 92 | Overall |
| American Family | 92 | Older Homes |
| American Family | 92 | Newer Homes |
| American Family | 92 | High-Fire-Risk Areas |
| Chubb | 93 | Bad Credit |
| American Family | 92 | With Claims History |
Best Minnesota Home Insurance by City
Home insurance provider rankings in Minnesota cities vary by policy affordability, local customer service, and available add-on coverage options. For instance, American Family ranks best in Minneapolis and St. Paul, while Chubb tops the list in Rochester. We've outlined the top options for each city to help you choose the best provider for your location.
| Minneapolis | American Family | 92 |
| Rochester | Chubb | 92 |
| St. Paul | American Family | 92 |
Best Minnesota Home Insurance Reviews
Explore Minnesota's top home insurance picks based on affordability, customer service and coverage options, all backed by the MoneyGeek score.
American Family: Best for Affordability
American Family is the most affordable home insurance provider for most Minnesota homeowners. Additionally, it scored well in our coverage and customer satisfaction categories. Its coverage options include service line coverage, matching siding protection and hidden water damage coverage to provide broader protection for hard-to-spot and aesthetic-related home risks.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $79 | $951 |
| Newer Homes in High-Fire-Risk Areas | $79 | $951 |
| Older Homes in High-Fire-Risk Areas | $126 | $1,511 |
| Older Homes | $126 | $1,511 |
Chubb: Best for Customer Service and Coverage
Chubb is not the most affordable option for homeowners insurance in Minnesota, however, it does rank as the top option for coverage and customer experience. According to recent J.D. Power studies, it tops the list for both customer satisfaction and claims satisfaction. It also offers coverage options like employment practices liability coverage for household staff and valuable articles insurance with agreed value and breakage protection for collectibles.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Older Homes in High-Fire-Risk Areas | $210 | $2,516 |
| Older Homes | $210 | $2,516 |
| Newer Homes in High-Fire-Risk Areas | $210 | $2,516 |
| Newer Homes | $210 | $2,516 |
How to Find the Best Home Insurance in Minnesota
We've created a step-by-step guide to help you find the coverage that best suits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your dwelling value, your personal belongings inside and local risk factors.
- 2
Research costs and discounts
Determine how much home insurance costs in Minnesota to see if providers truly offer savings. Also, check for discounts you qualify for, like bundling or adding home safety devices, to maximize your savings.
- 3
Find the best providers for you
After understanding coverage and costs, narrow your search for Minnesota's best and cheapest home insurance. Evaluate them based on customer service ratings, pricing specific to your needs and suitable coverage add-ons.
- 4
Compare multiple providers through all means
Compare providers and check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Minnesota: Bottom Line
Based on our current analysis, American Family, State Farm and Chubb are the best-rated homeowners insurance providers in Minnesota. While these are strong recommendations, researching and comparing options can help you find the best fit for your needs.
Best Home Insurance in Minnesota: FAQ
Discover answers to common questions to help you choose the right home insurance provider in Minnesota.
Which company is best for home insurance in Minnesota?
American Family is the best homeowners insurance provider in Minnesota due to its affordability, customer service, and strong add-on coverage options. State Farm, Chubb, Farmers and COUNTRY Financial are also highly rated alternatives in the state.
Who has the most affordable homeowners insurance in Minnesota?
Minnesota's most affordable homeowners insurance varies based on individual circumstances, such as property details and coverage needs. The average annual premium for homeowners insurance in Minnesota is $1,560.
How do you get the best homeowners insurance in Minnesota?
To find the best home insurance in Minnesota, decide on your coverage needs, research costs and providers and compare multiple quotes.
How We Decided the Best Home Insurance in Minnesota: Our Methodology
We rated the best homeowners insurance providers in Minnesota using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
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.