Report: Minnesota’s home insurance rates rose 34% in 2025, the highest increase in the nation

Report: Minnesota’s home insurance rates rose 34% in 2025, the highest increase in the nation

Arcus roll cloud over farm land at the front of a storm in Luverne, Minnesota. Damage from storms is contributing to rising homeowner insurance costs in the state. (Photo by John Finney/Getty Images)Home insurance rates in Minnesota increased 34% in 2025, the largest increase of any state, according to a report released Wednesday by insurance comparison website Insurify. The increase of nearly $900 has brought the state’s average annual premium …