Average homeowners insurance cost in Rochester, MN

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

In Rochester, homeowners pay an average annual rate of $2,235 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $347 less than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Rochester depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Rochester, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Rochester.

Key takeaways

The cost of your homeowners insurance policy in Rochester can vary based on factors such as your location, the value of your home, and the coverage options you select.
Auto-Owners is the cheapest homeowners insurance company in Rochester with an average annual premium of $1,420.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $549 more, annually for home insurance.

Average homeowners insurance cost in Rochester per month

According to Insure.com’s rate analysis, residents of Rochester pay an average of $186 per month for homeowners insurance. This is $14 less than the state average of $200 and $29 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Rochester can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Rochester

The average cost of homeowners insurance in Rochester, MN is $1,686 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Rochester

As per rate analysis by Insure.com, homeowners residing in Rochester typically pay an average of $2,235 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $549 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Rochester by company

After evaluating several carriers, Auto-Owners is the least expensive homeowners insurance provider in Rochester. It’s average annual rate for homeowners in Rochester is $1,420.

Western National Mutual holds the second position, while West Bend Mutual secures the third spot with an average annual home insurance rate of $1,505.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Rochester and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Rochester and their average annual premiums.

Home Insurance Company	Annual rate
Western National Mutual	$1,445
West Bend Mutual	$1,505
Automobile Club MI (AAA)	$1,636
North Star Mutual	$1,802
State Farm	$2,359
American Family	$2,468
Farmers	$2,593
Country Financial	$4,531
Auto-Owners	$1,420

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Rochester for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.