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Asphalt Shingles vs. Metal Roofing: Which Will Save You More in the Long Run?

5 min read
Asphalt Shingles vs. Metal Roofing: Which Will Save You More in the Long Run?

Metal roof vs asphalt shingles: asphalt costs considerably less to install and lasts 20 to 25 years in Minnesota, while standing-seam metal costs substantially more upfront and lasts 40 to 70 years. Over a long enough horizon metal wins on total cost, because one metal roof outlives two or three asphalt roofs — but that only pays off if you stay in the house long enough to reach the second replacement. Metal also sheds snow rather than holding it and resists hail denting far better than asphalt, both of which matter in Minnesota. Asphalt is easier and cheaper to repair, and far more crews install it correctly. For most Twin Cities homeowners planning to move within fifteen years, asphalt is the sounder financial choice.

Chad Erickson founded Total Home Exteriors in Andover, MN in 2003 and still walks every insurance claim personally. Last updated: September 2026.

Which is better, a metal roof or asphalt shingles?

Neither is better outright. Metal lasts two to three times longer, sheds snow and resists hail; asphalt costs far less upfront and is cheaper to repair. The deciding question is how long you plan to own the house — metal only pays back if you reach the replacement asphalt would have needed.

Is a metal roof worth the extra cost in Minnesota?

It can be. Metal sheds snow instead of holding it, which reduces load and ice dam formation, and it dents rather than fractures under hail. If you intend to stay in the house twenty-plus years, the longer service life generally justifies the premium.

Do metal roofs make more noise in rain?

Far less than people expect. A standing-seam roof installed over solid decking with underlayment is not appreciably louder inside than asphalt. The noise reputation comes from bare metal panels over open framing, as on a barn or shed.

How the long-run maths actually works

The case for metal is replacement cycles. If asphalt lasts roughly 22 years and metal roughly 50, then over a 50-year horizon you buy one metal roof or two-and-a-bit asphalt roofs, plus the tear-off and disposal each time. On that horizon metal generally comes out ahead.

The catch is that almost nobody owns a house for 50 years. If you sell in year twelve, you paid the metal premium and captured none of the second-replacement saving. Some of it returns as resale value, but not all — buyers rarely pay the full difference for a roof they cannot see the age of.

We do not publish price figures we have not quoted, so ask us for real numbers on your specific roof rather than working from an internet average. Pitch, complexity and tear-off layers move both materials substantially.

Which handles Minnesota weather better?

Metal, on snow and hail. A standing-seam roof sheds snow rather than accumulating it, which reduces both structural load and the meltwater that feeds ice dams. Under hail, metal dents where asphalt bruises — a dented metal panel is cosmetic damage that still sheds water, while a bruised asphalt shingle has a fractured mat and a shortened life.

That said, neither material fixes an ice dam problem on its own. Ice dams are caused by heat escaping into the attic and melting snow on the deck. Metal helps by shedding the snow sooner, but a warm attic under a metal roof still produces meltwater. Insulation and air sealing remain the actual fix.

Where asphalt genuinely wins

Repairability and availability. If a branch comes through an asphalt roof, replacing the affected shingles is straightforward and matching material is stocked everywhere. The equivalent repair on standing-seam often means replacing a full panel run, and colour-matching an aged panel is not always possible.

Installation quality is the other factor. Far more crews install asphalt correctly than install metal correctly, and a badly detailed metal roof fails at the seams and fasteners long before the panels themselves wear out. A well-installed asphalt roof outperforms a poorly installed metal one every time.

Metal vs asphalt shingles in Minnesota

FactorArchitectural asphaltStanding-seam metal
Service life20-25 years40-70 years
Upfront costConsiderably lowerSubstantially higher
Hail performanceBruises and fractures the matDents, but rarely fails
SnowHolds it; ice dams at the eavesSheds it
RepairabilityEasy, materials widely stockedHarder, fewer crews qualified
Best forMoving within ~15 yearsStaying long term

Frequently asked questions

Can you install metal roofing over existing shingles?

It is sometimes done, but we generally advise against it. Going over the old roof hides whatever is happening to the decking underneath, and any moisture damage keeps progressing out of sight. Tear-off also lets us inspect and correct the decking and install proper underlayment, which is where a roof's real performance comes from.

Does a metal roof lower my insurance premium?

Some carriers offer a discount for impact-resistant roofing, and some do not. It varies by insurer and by policy, so ask your agent directly rather than assuming — we are a roofing contractor and will not guess at your carrier's rating decisions.

Will a metal roof make my house hotter in summer?

No, generally the opposite. Modern metal roofing reflects more solar radiation than dark asphalt, which absorbs it. Combined with proper attic ventilation, a metal roof typically results in a cooler attic than an equivalent asphalt one.

Does metal roofing attract lightning?

No. Metal roofing does not increase the likelihood of a lightning strike. It is non-combustible, which means that if lightning does strike, a metal roof is less likely to ignite than a wood or asphalt one.

How do I choose between them for my house?

Start with how long you plan to stay. Under about fifteen years, asphalt is usually the sounder financial choice. Twenty-plus years, metal's service life starts to justify the premium. Then weigh hail frequency in your area and how complex your roof is, since complexity raises the cost of metal more sharply than asphalt.

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