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55446 Home Insurance Rates & Premiums

Did you know there are over 28,725 people living within the 55446 zip code area? There are over 10,254 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 55446.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Minnesota are on the rise. The estimated average premium is around $1,136 a year for a standard homeowners insurance policy in Minneapolis. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Minneapolis, MN Homeowners Insurance Quotes Online

55446 Home Insurance Average Premiums

Local 55446 homeowners insurance quotes comparison

$886 /yr.

Shows Zip Code: 55446 lowest rates with discounts applied on average.

For the 55446, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$886 /yr.
Average Coverage:$1136 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1436 /yr.

What is the average home insurance cost for a home in 55446?

  • • The average homeowners insurance premium paid annually for a home in 55446 is around $1136 per year.

What does it cost on average per month for home insurance in 55446?

  • • Homeowners in 55446 pay a monthly average cost per month around $95.00.

What kind of discount could I get if I combine my home and auto insurance together in 55446?

  • • Autoowners in 55446 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Minneapolis, check out other zip codes nearby 55446.
To review average rates in another zip code, click on a zip code below:
55444  |  55410  |  55413  |  55407  |  55441  |  55433  |  55435  |  55414  |  55411  |  55419  | 

Home Replacement Cost Coverage in 55446

Average Building Cost Per Square Foot in 55446: $188

Location: Minneapolis, Minnesota (Hennepin County)

Average Square Footage in 55446: 2,523 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55446 before you start any project. Minneapolis homeowners pay on average around $188 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 55446 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 55446 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,523 sq. ft. and the average cost to rebuild the home in this area is around $188 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Minneapolis area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1882,523$474,400
Additional Upgrades & Added Features$2352,523$593,000
Major Home Updates or Advancements$2822,523$711,600

It's important to understand that when you estimate your replacement cost of your home in the 55446 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 55446

Best Home & Auto Insurance Agencies in 55446

Allstate Insurance Companies - Sales Offices- Plymouth

Address: 4675 Urbandale Ct N Minneapolis, MN 55446
Phone:
Website:
Info:

Housing Demographics for 55446

Population Review for 55446 Zip Code

For the city of Minneapolis, the population within 55446 has increased to over 31,263 residents in population size. The current population total is 28,725. We have broken down the population based on race below. In 55446, there are over 13832 in male population and 14893 females.

PopulationValues
Total Population28,725
White Population19139
Black Population1360
Hispanic Population907
Asian Population6215
Hawaiian Population8
Indian Population76
Other Population313
Male Population13832
Female Population14893
Population Estimate31263

Household Data for 55446

The average number of homes in 55446 is around 10,254, there are an average of 2.78 per household. The average house value according to local real estate values is around $474,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,254
Persons Per Household2.78
Average House Value$474,400
Income Per Household$151194
Median Age37.6
Median Age Male37.1
Median Age Female38.0
55446 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code763
CityMinneapolis
City Alias NameMINNEAPOLIS
CountyHennepin
County FIPS053
State FIPS27
Time Zone6
Day Light SavingY
MSA5120
PMSA
CSA378
CBSA33460
CBSA_DIV
CBSA_TypeMetro
CBSA_NameMinneapolis-St. Paul-Bloomington, MN-WI
MSA_NameMinneapolis-St. Paul, MN-WI MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses433
Number Of Employees4951
Business First Quarter Payroll66540
Business Annual Payroll285530
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population3279833
CBSA Division Population0
Congressional District03
Congressional LandArea527.05
Delivery Residential11246
Delivery Business144
Delivery Total12609
Preferred Last Line KeyY25845
Classification Code
Multi-County
CSA NameMinneapolis-St. Paul, MN-WI
CBSA_DIV_Name
City State KeyY25845
Land Area10.076000
Water Area0.145000
City Alias Code
City Mixed CaseMinneapolis
City Alias Mixed CaseMinneapolis
Box Count100
SFDU4437
MFDU1718
State ANSI27
County ANSI053
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number266360
Unique ZIP Name
SSA State County Code24260
Medicare CBSA Code33460
Medicare CBSA NameMinneapolis-St. Paul-Bloomington, MN-WI
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseHennepin

Minnesota Homeowners Insurance News & Information

  • How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

    According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

  • 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

    Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]

  • Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025

    According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year.  The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]