Best placesMinnesotaHomeowners Insurance

Counties With the Cheapest Homeowners Insurance in Minnesota (2026)

Clay has the lowest homeowners insurance of any county in Minnesota, at $1,738, followed by Waseca and Le Sueur (data vintage 2022). The full ranking of the top 25 counties is below.

Data updated 2022 - Source: NAIC Homeowners Insurance Report

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Cheapest counties for homeowners insurance in Minnesota

Top 25 of 87 counties with data.

Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.

Cheapest counties for homeowners insurance in Minnesota
RankCountyValue
1Clay$1,738
2Waseca$1,738
3Le Sueur$1,738
4Carlton$1,738
5Meeker$1,738
6Traverse$1,738
7Kittson$1,738
8Chisago$1,738
9Otter Tail$1,738
10Itasca$1,738
11Martin$1,738
12Todd$1,738
13McLeod$1,738
14Benton$1,738
15Wright$1,738
16Anoka$1,738
17Pope$1,738
18Swift$1,738
19Red Lake$1,738
20Lac qui Parle$1,738
21Fillmore$1,738
22Becker$1,738
23Pine$1,738
24Ramsey$1,738
25Wilkin$1,738

How this ranking works

This page ranks Minnesota counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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