Oakdale Insurance Rates:

Oakdale, MN homeowners insurance is roughly $878 to $1,191, about $73-$99/month. Our comprehensive research indicates shoppers can save upto $414 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Universal Property & Casualty Insurance Company
I like how easy it is to reach an insurance agent by phone if my insurance agent is not available when i need to ask a question.
Geico
If geico offered a bundle with an all around discount, i would definitely continue using their service. hopefully, they will take this into account to retain customers.
Ameriprise Financial
They are fast on collisions accidents, good customer service
American General
They do very well with handling the calls, maybe they could have more operators during more busy times.
State Farm
Every time I have had to contact the company things have been smooth and painless. I could not ask for a better experience on the customer service end. They know how to take care of customers.
The Hartford
Sometimes you feel the rates are going up very quickly. It seems, if you want the same coverage, I categories constantly have increased in price.
American Family
Our insurance company staff are people we know very well. They are part of our community. They are easy to contact. They respond to our needs, questions, etc., very quickly. The staff is why we have this insurance.
State Farm
The office is old, in an odd location, and I've only seen the actual agent once. It seems that there is little contact or input from State Farm itself, only ever from the agent. It would be nice if they sent out requests for feedback on their agents. I understand they're independent, but it seems to me that a LOT would have to go wrong before State Farm might start taking a look at an agent.
Fairmont Farmers Mutual
I would recommend them. They are personable and competent and they truely take the time for their customers as opposed to "get all the money one can".

Oakdale, MN Homeowners Insurance By Home Value

Oakdale, MN Home Value Total Homes % of Total Average Oakdale, MN Homeowners Insurance
Less than $50,000 223 2.0% $124
$70,000 to $79,999 88 1.0% $372
$90,000 to $99,999 124 1.0% $476
$100,000 to $124,999 656 8.0% $558
$125,000 to $149,999 739 9.0% $693
$150,000 to $174,999 1,003 12.0% $828
$175,000 to $199,999 973 12.0% $952
$200,000 to $249,999 2,077 26.0% $1148
$250,000 to $299,999 1,107 14.0% $1397
$300,000 to $399,999 769 9.0% $1780

Top Home Insurance Agents Near Oakdale, MN

Home Insurance Company Near Oakdale, MN Homeowners Insurance Agency Near Oakdale, MN Address
Liberty Mutual Independent Central Lakes Insurance Brokers Ltd 4820 W 77Th St Ste 125, EDINA, MN, 55435
Travelers Handberg Agency Inc 620 Mendelssohn Ave. N #124 Minneapolis, Golden Valley, MN, 55427
State Farm Jim Aabbatt-Strilich 21201 J Milless Dr, Rogers, MN, 55374-9432
Liberty Mutual Independent Oakwood Insurance Agency Inc 401 E Main St, Anoka, MN, 55303
Travelers Ronald J Powers 715 FLORIDA AVE S #315, GOLDEN VALLEY, MN, 55426

Cost Of Homeowners Insurance By Street Near Oakdale, MN

Streets in Oakdale Area Homeowners Insurance Cost
38th Street Ct N, Co Hwy 6, Lisbon Avenue Ct N, Jerome Ave N, Upper 53rd St N, Little Bluestem Trl N, Helmo Pl N, Granada Plz, 33rd St N, 57th Street Cove$1,103
25th St N, Grospoint Ave N, Grange Ave N, Hamlet Ave N, Upper 46th St N, Hydram Ave N, Hadley Ln, Linden Ave N, Linden Trl N, Kove Cir$1,044
Gershwin Pl, Centuary Ave, Hickory Ln N, Lansing Ave N, Lower 56th St N, 38th St N, 13th St N, Upper 51st St N, Henslow Ave N, Highway 36 Blvd$1,033
17th St Ct N, 8th Street Ln N, Lilac Pl, 23rd St N, Hillvale Trl N, E County Line Rd N, 41st St N, Hinton Trl N, Gretchen Ct N, Hallmark Cir$1,037
Upper 20th St N, 29th Street Cir N, 4th Ave, Granite Ave N, Hallmark Way N, Dellwood Sq N, Golfview Ln, Upper 14th Street Ct N, Leeward Ave N, 25th Street Cir N$1,037

Oakdale, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oakdale$154 to $157
North St. Paul$154
Lake Elmo$170
Landfall$139

Oakdale, MN Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
North St. Paul city, Minnesota $155 $206 $309
Lake Elmo city, Minnesota $170 $227 $341
Landfall city, Minnesota $139 $185 $278

Oakdale, MN Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Oakdale, MN5.4%18.8%
North St. Paul5.3%18.64%
Lake Elmo4.12%15.35%
Landfall8.89%18.39%

Oakdale Renters Insurance as a Percentage of Rent

Oakdale Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 98 4.0% $330
$200 to $299 206 8.0% $780
$300 to $499 99 4.0% $1230
$500 to $749 370 15.0% $1905
$750 to $999 709 28.0% $2655
$1,000 to $1,499 642 26.0% $3780
$1,500 or more 326 13.0% $5430

Oakdale, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Oakdale Homeowner Insurance Premium Example $2,500$2,000
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $9,200$8,700
Net Savings to Oakdale Home Owner from High Deductible Plan $500

Oakdale, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oakdale, MN Home Replacement Value MORE than Home Value Oakdale, MN Home Replacement Value LESS than Home Value
Replacement Value $262,500 $181,500
Insurance Premium based on Replacement Value $2,225 $1,550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $27,000 Risk Exposure from Under Insuring Coverage is $54,000
Premium Impact Insurance cheaper by $450/year Insurance costlier by $225/year

Example Oakdale Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceLiberty MutualAllstate
Monthly Premium 1208495
Year Built 199620051984
Home Details 3 Beds, 1 Baths5 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $300000-$350000$200000-$250000$150000-$175000
Deductible > $10,000 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Oakdale, MN from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2008 125,000 Metal Roof 920 2 $500 Deductible 250 4 Brick siding No
2004 245,000 Wood Shake Roof 1,900 4 > $10,000 Deductible 160 2 Vinyl siding yes
2009 220,000 Membrane Roof 1,730 3 $500 Deductible 1040 7 Brick siding No
2003 325,000 Tile Roof 2,820 5 $5000 to $10,000 Deductible 1050 6 Stucco siding yes
1992 290,000 Wood Shake Roof 2,880 4 $5000 to $10,000 Deductible 1050 7 Fiber-Cement Siding No
1985 425,000 Tile Roof 3,740 5 $500- $1000 Deductible 970 5 Stone Siding No
2006 270,000 Composition Roof 2,210 4 > $10,000 Deductible 490 5 Wood siding No
1984 150,000 Composition Roof 1,160 2 $2500-$5000 Deductible 550 7 Vinyl siding No
1985 215,000 Asphalt Shingles Roof 1,660 2 $500 Deductible 1260 9 Stone Siding No
1994 385,000 Asphalt Shingles Roof 2,950 4 > $10,000 Deductible 1110 6 Wood siding yes
1999 250,000 Composition Roof 2,670 5 $2500-$5000 Deductible 630 4 Vinyl siding No
1993 230,000 Metal Roof 1,920 4 $500- $1000 Deductible 1440 9 Fiber-Cement Siding No
1990 220,000 Shingles Roof 1,850 5 > $10,000 Deductible 640 9 Vinyl siding yes
1980 275,000 Tile Roof 3,020 5 $5000 to $10,000 Deductible 1040 10 Brick siding No
1998 135,000 Composition Roof 1,010 2 $500 Deductible 640 6 Fiber-Cement Siding yes
1980 300,000 Wood Shake Roof 2,270 5 $500 Deductible 1210 8 Fiber-Cement Siding yes
2002 230,000 Composition Roof 1,820 4 $500- $1000 Deductible 470 4 Wood siding yes
1995 180,000 Tile Roof 1,390 3 $2500-$5000 Deductible 740 9 Vinyl siding yes
1986 245,000 Tile Roof 1,920 3 > $10,000 Deductible 530 7 Stucco siding No
1992 605,000 Metal Roof 4,550 5 > $10,000 Deductible 2350 10 Wood siding yes
1983 255,000 Asphalt Shingles Roof 2,770 4 $1000-$2500 Deductible 790 6 Fiber-Cement Siding No
1997 270,000 Tile Roof 1,990 3 $1000-$2500 Deductible 190 1 Wood siding yes
1996 235,000 Slate Shingles Roof 2,600 4 $1000-$2500 Deductible 690 5 Stucco siding No
2000 190,000 Composition Roof 1,900 3 $2500-$5000 Deductible 260 3 Brick siding yes
1995 385,000 Tile Roof 3,990 5 $5000 to $10,000 Deductible 1740 9 Stone Siding No
2001 110,000 Tile Roof 1,060 2 $2500-$5000 Deductible 290 5 Vinyl siding yes
1999 155,000 Asphalt Shingles Roof 1,260 2 $500 Deductible 740 7 Brick siding yes
1982 285,000 Shingles Roof 2,260 3 $500- $1000 Deductible 2000 12 Stucco siding yes
1986 190,000 Wood Shake Roof 1,400 3 $2500-$5000 Deductible 640 5 Stone Siding yes
1985 300,000 Composition Roof 3,190 4 $2500-$5000 Deductible 160 1 Stucco siding No