How Much Does Umbrella Insurance Cost in St. Paul, MN?
St. Paul pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and St. Paul's diversified economy.See our methodology
Umbrella Insurance Pricing in St. Paul, MN
In St. Paul, umbrella insurance costs are 5% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 305K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in umbrella insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in St. Paul: moderate cost of living keeps contractor rates affordable.
St. Paul has moderate permitting requirements. Depending on the scope of your umbrella insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
St. Paul vs National Average
What Affects Umbrella Insurance Cost in St. Paul?
Coverage
$1M policy: $15-$25/month. $2M: $20-$35/month. $5M: $30-$50/month
Risk
Pool, rental properties, teen drivers, and certain dog breeds increase premiums
St. Paul Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
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Top-Rated Umbrella Insurance Pros in St. Paul, MN
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Tips to Save on Umbrella Insurance in St. Paul
- 1.Bundle with your home and auto for the best rate
- 2.$1M in coverage is very affordable — the most common starting point
- 3.Compare between your current insurer and others
- 4.Higher underlying limits on home/auto can lower umbrella costs
📈 Umbrella Insurance in St. Paul Cost Trends (2020–2024)
Prices have increased +18.2% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $22 | — |
| 2021 | $23 | +4.5% |
| 2022 | $24 | +4.3% |
| 2023 | $25 | +4.2% |
| 2024 | $26 | +4.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Umbrella Insurance in St. Paul
Recent Reports
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect. If your net worth exceeds your home and auto liability limits, umbrella insurance is a smart, affordable way to protect yourself from lawsuits.
Why does umbrella insurance cost different in St. Paul than other cities?
St. Paul's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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