💛 Life insurance cost in Minnesota (2026)
The estimated average is $24 per month — below the national average (-8% vs. the U.S. average of $26).
Minnesota is home to about 5.7 million people, and life insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Minneapolis typically differ from smaller towns.
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Minnesota life insurance estimator
Starts from the Minnesota average. Estimate only — get quotes to confirm.
Life insurance cost in Minnesota cities
| City | Population | Est. life insurance |
|---|---|---|
| Minneapolis | 425,336 | $24 |
| Saint Paul | 303,176 | $24 |
| Rochester | 121,878 | $24 |
| Duluth | 86,697 | $24 |
Minnesota life insurance FAQ
How much is life insurance in Minnesota?
The estimated average life insurance in Minnesota is $24 per month, which is below the national average (-8% vs. the U.S. average of $26). Minnesota ranks 51 of 51 states from most to least expensive.
Why is life insurance cheaper in Minnesota?
Life insurance pricing in Minnesota reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on life insurance in Minnesota?
Compare at least three quotes from insurers active in Minnesota, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.