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55011 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 55011 zip code it's important to know that our rates are very competitive for homeowners living in Cedar, MN. Many homeowners based out of your 55011 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Minnesota licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 55011 should appear in the zip code field ready to go. For Cedar, MN Homeowners Insurance Quotes nearby, we offer the best rates and service.

55011: Average Home Insurance Rates

For homeowners living in the great city of Cedar, the average homeowners policy is considered high in comparison to other states. Minnesota premiums are estimated to be around $1098 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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55011 Home Insurance Average Premiums

Local 55011 homeowners insurance quotes comparison

$848 /yr.

Shows Zip Code: 55011 lowest rates with discounts applied on average.

For the 55011, 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)		$848 /yr.
Average Coverage:$1098 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1398 /yr.

What is the average home insurance cost for a home in 55011?

  • • The average homeowners insurance premium paid annually for a home in 55011 is around $1098 per year.

What does it cost on average per month for home insurance in 55011?

  • • Homeowners in 55011 pay a monthly average cost per month around $92.00.

What kind of discount could I get if I combine my home and auto insurance together in 55011?

  • • Autoowners in 55011 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.

For shopping home insurance rates within the Cedar area, check out other zip codes nearby 55011.
Review average rates in another zip code:
55011 homeowners insurance rates

Home Replacement Cost Coverage in 55011

Average Building Cost Per Square Foot in 55011: $188

Location: Cedar, Minnesota (Anoka County)

Average Square Footage in 55011: 1,627 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 55011 before you start any project. Cedar 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 55011 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 55011 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,627 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 Cedar 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$1881,627$305,900
Additional Upgrades & Added Features$2351,627$382,375
Major Home Updates or Advancements$2821,627$458,850

It's important to understand that when you estimate your replacement cost of your home in the 55011 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 55011

Best Home & Auto Insurance Agencies in 55011

Housing Demographics for 55011

Population Review for 55011 Zip Code

For the city of Cedar, the population within 55011 has increased to over 11,449 residents in population size. The current population total is 10,517. We have broken down the population based on race below. In 55011, there are over 5546 in male population and 4971 females.

PopulationValues
Total Population10,517
White Population9398
Black Population63
Hispanic Population243
Asian Population369
Hawaiian Population1
Indian Population51
Other Population85
Male Population5546
Female Population4971
Population Estimate11449

Household Data for 55011

The average number of homes in 55011 is around 3,719, there are an average of 2.82 per household. The average house value according to local real estate values is around $305,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,719
Persons Per Household2.82
Average House Value$305,900
Income Per Household$115617
Median Age42.4
Median Age Male42.2
Median Age Female42.7
55011 DetailsValues
StateMN
State Full NameMinnesota
City TypeP
City Alias Abbreviation
Area Code763
CityCedar
City Alias NameCEDAR
CountyAnoka
County FIPS003
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 Businesses257
Number Of Employees1575
Business First Quarter Payroll16835
Business Annual Payroll85924
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 District06
Congressional LandArea2882.22
Delivery Residential4060
Delivery Business115
Delivery Total4333
Preferred Last Line KeyY24975
Classification Code
Multi-County
CSA NameMinneapolis-St. Paul, MN-WI
CBSA_DIV_Name
City State KeyY24975
Land Area45.874000
Water Area1.836000
City Alias Code
City Mixed CaseCedar
City Alias Mixed CaseCedar
Box Count80
SFDU3712
MFDU278
State ANSI27
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number261580
Unique ZIP Name
SSA State County Code24010
Medicare CBSA Code33460
Medicare CBSA NameMinneapolis-St. Paul-Bloomington, MN-WI
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseAnoka

Minnesota Homeowners Insurance News & Information

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    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]