Which county in Minnesota has the lowest homeowners insurance?

Pennington has the lowest homeowners insurance in Minnesota, at $1,985.

What is the homeowners insurance in Pennington?

Pennington is ranked #1 in Minnesota for homeowners insurance, at $1,985.

How is this homeowners insurance ranking calculated?

Counties in Minnesota are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in Minnesota (2026)

Full county table and CSV download: Home insurance by county in Minnesota

Cheapest counties for homeowners insurance in Minnesota

Top 25 of 87 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Minnesota

Rank	County	Value
01	Pennington$1,985 County page
02	St. Louis$2,062 County page
03	Norman$2,083 County page
04	Mower$2,133 County page
05	Koochiching$2,145 County page
06	Freeborn$2,173 County page
07	Martin$2,220 County page
08	Big Stone$2,228 County page
09	Waseca$2,231 County page
10	Cottonwood$2,253 County page
11	Itasca$2,304 County page
12	Clay$2,318 County page
13	Fillmore$2,318 County page
14	Winona$2,322 County page
15	Brown$2,345 County page
16	Marshall$2,345 County page
17	Blue Earth$2,355 County page
18	Houston$2,359 County page
19	Carlton$2,371 County page
20	Rock$2,372 County page
21	Lyon$2,391 County page
22	Roseau$2,403 County page
23	Dodge$2,413 County page
24	Polk$2,426 County page
25	Beltrami$2,428 County page

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.

Frequently asked questions

Which county in Minnesota has the lowest homeowners insurance?: Pennington has the lowest homeowners insurance in Minnesota, at $1,985.
What is the homeowners insurance in Pennington?: Pennington is ranked #1 in Minnesota for homeowners insurance, at $1,985.
How is this homeowners insurance ranking calculated?: Counties in Minnesota are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.