St. Paul Insurance Rates:

St. Paul, MN home insurance is approximately $872 to $1,181, about $72-$98/month. Our detailed analysis reveals consumers can save as much as $410 by comparing many quotes

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St. Paul Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $1180/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 2050 sqft Rental Property Constructed In 1986 with Stone Flooring, Metal Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Single Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $620/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Bath 2800 sqft Rental Property Constructed In 1980 with Wood Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $180/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1010 sqft Primary Residence Constructed In 1966 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Married Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

Home Insurance Rate of $540/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1700 sqft Vacation Property Constructed In 1965 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fireplace, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $1100/10 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 957 sqft Primary Residence Constructed In 1955 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

St. Paul, MN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
55117 $183,500 $1,040

St. Paul Rates & Quotes Analysis:

St. Paul Area Estimated House Insurance
Washington St, Como Ave W, Stanford Ave, Otis Ave, Coach Rd, Selby Ave W, Michael St, Colvin Ave, Co Hwy 37, Prosperity Ave$1,015
Boyd Ave, W Armstrong Ave, N Ryde St, Mulberry St, Upper Afton Rd, Nortonia Ave, Long Ave, Stanford Ct, Old Maryland Ave, Shepard Rd W$1,024
N Brompton St, Mystic St, Cottage Ave E, N Capitol Hts, N Maria Ave, Edgebrook Ave, S Grotto St, Delano Pl, W Benson Ave, E Ames Ave$1,028
Carling Dr, Susan Ave, Topping St, N Pine St, Lafayette Rd S, N Minnesota St, N Capitol Blvd, Macalester Walk, W 10th St, Jackson St N$1,017
E Sandralee Dr, N Cohansey St, Dousman St, E 13th St, Fair Pl W, Pedersen St, US Hwy 10, Herschel St, Matilda, Horton Ave W$1,023
S Pascal Ave, W Superior St, E Curtice St, W Armstrong Ave, Wynne Ave, Howell St S, E Utica Ave, W George St, W Tuscarora Ave, W Litchfield St$1,022
Morton St E, Maynard Dr, Park Ridge Ct, Co Hwy 35, Englewood Ave, John Ireland Blvd, W Bay Ln, Smith Ave S, E Hoyt Ave, Edgemont St$1,043
River Park Plz, Milton St S, Sumner St, Territorial Rd, W Graham Ave, Benhill Rd, Banfil St, Holton St, E Lacrosse Ave, E 9th St$1,039
Russell St, Norfolk Ave, Hall Ln, N Huron St, N Walnut St, Darlene St, Dayton Ave W, S Douglas St, W Wayzata St, Darlene Ct$1,015
E Mechanic Ave, Chester St, Scudder St, Elsie Ln, E Suburban Ave, Euclid St E, Bayard Ave, S Duebener Pl, N Grantham St, W Parkview Ave$1,109

Insurance rates are influenced by a number of factors including:

  • Year Built: 15,572 Homes (12% of total) built between 1950 to 1959 in St. Paul are paying home insurance between $1,930-$1,945 in contrast with Falcon Heights (+$98), Ramsey County (+$20), Mendota Heights (+$181), Mendota (-$16) and Landfall (-$184).
  • Bedrooms: 36,137 2 bedrooms homes (31% of total homes ) in St. Paul are paying about $667 and varies from West St. Paul (+$3), Falcon Heights (+$34), Ramsey County (+$8), Mendota (-$5) and Landfall (-$25).
  • Auto Insurance Bundling: 25,559 Households (44% of all households) in St. Paul have 2 vehicles available and when it is bundled with home insurance you can save $205. Discounts for similar bundling in close by locations such as West St. Paul, Falcon Heights, Ramsey County come to $206, $215, $207 respectively.
  • Senior Discounts: 22,833 seniors (more than 55 years) occupied housing units (39% of total) in St. Paul get discounts between $153 to $156. The comparative concessions in proximate regions such as West St. Paul, Falcon Heights and Ramsey County are $154, $161 and $155 respectively.
  • New Homes discounts: New homes such as the 25,974 homes built between 2000 to 2009 in St. Paul can save $205 and similar new home insurance discounts in nearby towns and cities like West St. Paul, Falcon Heights and Ramsey County are $206, $215 and $207 respectively.

St. Paul Homeowners insurance Facts

  • St. Paul, MN has 57,343 owner occupied houses which is 51.3% of all units whereas West St. Paul, Falcon Heights and Ramsey County have 58.91%, 52.14% and 60.2% respectively.
  • St. Paul, MN homeowners yearly insurance price at $1,026 is 0.55% of the typical house value of $188,100 which is in contrast with 0.53% in West St. Paul, 0.39% at Falcon Heights & 0.5% in Ramsey County.
  • Homeowners in St. Paul, MN pay 3.73% of their income ($25,000 to $29,999) in insurance whereas homeowners in West St. Paul, Falcon Heights and Ramsey County pay 3.75%, 3.92% and 3.77% respectively.
  • St. Paul, MN’s insurance is 5.5% of monthly housing costs of $1,550/month, for owners with a mortgage compared to 5.73% in West St. Paul, 4.64% at Falcon Heights & 5.35% in Ramsey County. But, for households without a mortgage, insurance is 17.5% of costs ($489 in St. Paul, MN) in contrast with 18.38% in West St. Paul, 14.63% at Falcon Heights & 17.03% in Ramsey County.

St. Paul, MN Home Values & Insurance rates

For example, insurance for 4,711 Homes (9.0% of total homes ) valued between $100,000 to $124,999 in St. Paul, MN is about $595. Rates in nearby areas in such as West St. Paul, Ramsey County, Mendota Heights are cheaper by $19, $56, $259 respectively while Mendota and South St. Paul are costlier by $46 and $28 respectively for similar homes.

St. Paul, MN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,568 3.0% $133
$50,000 to $59,999 624 1.0% $277
$60,000 to $69,999 630 1.0% $348
$70,000 to $79,999 889 1.0% $400
$80,000 to $89,999 1,223 2.0% $461
$90,000 to $99,999 1,293 2.0% $513
$100,000 to $124,999 4,711 9.0% $595
$125,000 to $149,999 5,772 11.0% $748
$150,000 to $174,999 8,501 16.0% $882
$175,000 to $199,999 6,615 12.0% $1015
$200,000 to $249,999 9,794 18.0% $1220
$250,000 to $299,999 5,031 9.0% $1497
$300,000 to $399,999 5,390 10.0% $1908

Renters Insurance in St. Paul

  • Average Renters Insurance in St. Paul :  $135($11/month)

  • Median Gross Rent in St. Paul :  $786

  • St. Paul Renters Insurance to Median Rent Ratio:  1.4%

  • Average household size of renter-occupied unit :  2.31

St. Paul Renters Insurance as a Percentage of Rent

St. Paul Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 2,068 3.0% $333
$200 to $299 3,147 5.0% $783
$300 to $499 3,942 7.0% $1233
$500 to $749 14,655 27.0% $1908
$750 to $999 15,364 28.0% $2658
$1,000 to $1,499 11,263 21.0% $3783
$1,500 or more 2,997 5.0% $5433

Rent Affordability in St. Paul:

Approximately 45.0% (24,771) of households are spending more than 35% of their income on gross rent in St. Paul

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 5,141 9.0%
15.0 to 19.9 percent 6,059 11.0%
20.0 to 24.9 percent 6,606 12.0%
25.0 to 29.9 percent 6,447 11.0%
30.0 to 34.9 percent 5,522 10.0%
35.0 percent or more 24,771 45.0%

St. Paul Renters Insurance Discounts:

St. Paul Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in St. Paul, MN Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 26,182 47.0% $13.5
2 vehicles available 11,166 20.0% $20.25
3 or more vehicles available 2,681 4.0% $27.0

Protective device discount in St. Paul Up to :  $20

Claims-free discount in St. Paul Up to :  $27