Duluth Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Minnesota has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Duluth typically pay around $91.81 per month compared to the national average of $146.44 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Duluth, MN Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Duluth coming in around $78.37 per month. Other companies to consider if you live in Duluth is Safeco with an average cost of $80.17 per month and Farm Bureau Mutual (IA Group) which typically runs around $83.29 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Duluth.

How Much is Car Insurance in Duluth, MN?

Rates can vary from city to city. The residents of Duluth typically pay $91.81 per month while people who live in Eden Prairie will pay $101.19 per month on average. See what people pay for car insurance in other cities in Minnesota.

Cheap Car Insurance in Duluth by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Minnesota. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Duluth

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $196.82 per month in Duluth. Compare that to drivers in their 30’s who typically pay around $86.59 per month drivers in their 40s at $81.75 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Duluth

If you are teen in Duluth you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, State Farm typically charges around $136.05 per month. This is likely the most affordable option in Duluth. You might also want to consider Farm Bureau Mutual (IA Group) and USAA who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Duluth

20 year-olds in Duluth might want to consider State Farm who, on average, offers car insurance rates around $106.55 per month. Farm Bureau Mutual (IA Group) , USAA , American Family and Auto-Owners Insurance Co are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Duluth

If you are in your 30s in Duluth our research has found that State Farm typically has the most affordable coverage coming in around $72.23 per month, followed by Farm Bureau Mutual (IA Group) at $81.57 and USAA at $83.74.

Cheapest Insurance for 40 Year-olds in Duluth

On average, State Farm offers car insurance for 40 year-olds in Duluth for around $75.02 per month. If you are looking for affordable coverage, you may also want to consider USAA or Farm Bureau Mutual (IA Group). The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Duluth

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Duluth we found that Safeco generally offers the most affordable coverage at $63.63 per month.

Cheapest Insurance for 60 Year-olds in Duluth

If you live in Duluth and you’re in your 60s, our data indicates that State Farm usually has the best rates at $62.18 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Duluth, MN

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Duluth, the average monthly rate for a driver who is currently insured is $93.63 while drivers who are not currently covered will pay around $88.67.

Compare Recent Car Insurance Quotes in Duluth

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Duluth a driver of a 2001 Buick Park Avenue can expect to pay around $47.48 per month while someone that owns a 2014 Honda Civic may pay around $106.39 per month. Check out the list of recent quotes in Duluth below.

FAQ's for Drivers in Duluth, MN

What Is the Minimum Liability Coverage Requirement in Duluth, MN?

Motorists must maintain $30,000 in bodily injury liability for injuries to one person and $60,000 for injuries to two or more people per accident. Also, $10,000 in property damage liability is required to cover physical damage to the other driver’s vehicle or for damage to property. Minnesota drivers are also required to carry $40,000 in personal injury protection.

Additionally, uninsured motorist coverage in the amount of $25,000 for injuries to one person and $50,000 for injuries to two or more people and underinsured motorist coverage in the amount of $25,000 for injuries to one person and $50,000 for injuries to two or more people are required by law.

•  $30,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
•  $60,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
•  $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

While it may seem like a poor use of your hard-earned money to add optional coverages to your policy, you’ll be happy to have the extra financial protection if you’re involved in a serious accident. Plus, most financial lenders require collision and comprehensive coverage, and some may require more than that. Check with your lender before taking out a new insurance policy to make sure you’re properly covered. If you don’t have adequate protection, your lender can buy insurance on your behalf, and this will cost a lot more than getting it on your own.

What Is the Blood Alcohol Concentration (BAC) limit in Duluth, MN?

It’s against the law to drive in Minnesota at the following BAC percentages:

• .08%+ at 21 years old or older
• .04%+ for commercial vehicle drivers
• .02%+ at under 21 years old

Any amount of detectable alcohol in a person under age 21 will result in a DWI charge.

What is uninsured motorist coverage and is it required in Minnesota?

Yes. Both uninsured and underinsured motorist coverage is required in Minnesota. This type of insurance protects you in the event of an accident where the other party is at fault and is uninsured or doesn’t carry enough insurance. State minimum requirements for uninsured coverage are in the amounts of $25,000 for injuries to one person and $50,000 for injuries to two or more people per accident; state minimum requirements for underinsured motorist coverage are in the same amounts.

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