Duluth Car Insurance

How much does car insurance cost in Duluth, MN? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Duluth?

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 $87.57 per month compared to the national average of $135.61 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.

AreaAverage Monthly Rate
National $135.61
Minnesota $102.10
Duluth, Minnesota $87.57

Duluth, MN Best Car Insurance Companies

car insurance in Duluth

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, Farm Bureau Mutual (IA Group) generally has the most affordable car insurance in Duluth coming in around $68.51 per month. Other companies to consider if you live in Duluth is USAA with an average cost of $79.90 per month and State Farm which typically runs around $84.35 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Duluth.

RankCompanyAverage Monthly RateComparison State Average
1 Farm Bureau Mutual (IA Group) $68.51-32.90%
2 USAA $79.90-21.75%
3 State Farm $84.35-17.38%
4 Auto-Owners Insurance Co $89.15-12.68%
5 North Star $95.45-6.52%
6 West Bend Mutual $100.73-1.34%
7 American Family $101.82-0.27%
8 Metropolitan $103.441.31%
9 Farmers $127.0724.46%
10 Western National $132.7329.99%

How Much is Car Insurance in Duluth, MN?

how much is auto insurance in Duluth

Rates can vary from city to city. The residents of Duluth typically pay $87.57 per month while people who live in Minneapolis will pay $111.96 per month on average. See what people pay for car insurance in other cities in Minnesota.

Minnesota CitiesMonthly Average Rate
Duluth $87.57
Minneapolis $111.96
Monticello$107.79
Saint Paul $110.97
Young America$162.78

Cheap Car Insurance in Duluth by Zip Codes

find cheap auto insurance in Duluth

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.

Duluth, MN ZIP CodeAverage Monthly Rate
55802$90.97
55803$95.19
55804$110.51
55805$74.83
55806$66.65
55807$101.03
55808$113.13
55810$61.94
55811$89.09
55812$111.44

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 $193.77 per month in Duluth. Compare that to drivers in their 30’s who typically pay around $71.50 per month drivers in their 40s at $59.43 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.

Age GroupAverage Monthly Rate
16-19$193.77
20s$117.61
30s$71.50
40s$59.43
50s$58.96
60s$58.28
70+$95.48

Cheapest Insurance for Teenage Drivers in Duluth

CompanyAverage Monthly Rate

Cheapest Insurance for 20 Year-olds in Duluth

20 year-olds in Duluth might want to consider Farm Bureau Mutual (IA Group) who, on average, offers car insurance rates around $83.54 per month. USAA, Auto-Owners Insurance Co , State Farm and North Star are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$83.54
USAA$96.80
Auto-Owners Insurance Co$99.47
State Farm$101.30
North Star$112.36

Cheapest Insurance for 30 Year-olds in Duluth

If you are in your 30s in Duluth our research has found that Farm Bureau Mutual (IA Group) typically has the most affordable coverage coming in around $71.77 per month, followed by USAA at $78.32 and State Farm at $88.78.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$71.77
USAA$78.32
State Farm$88.78
Auto-Owners Insurance Co$90.18
Metropolitan$92.52

Cheapest Insurance for 40 Year-olds in Duluth

On average, Farm Bureau Mutual (IA Group) offers car insurance for 40 year-olds in Duluth for around $60.25 per month. If you are looking for affordable coverage, you may also want to consider USAA or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$60.25
USAA$61.56
State Farm$66.42
Auto-Owners Insurance Co$67.98
West Bend Mutual$74.08

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 Farm Bureau Mutual (IA Group) generally offers the most affordable coverage at $53.77 per month.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$53.77
USAA$59.17
State Farm$71.29
West Bend Mutual$78.79
North Star$80.34

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 $44.97 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$44.97
Farm Bureau Mutual (IA Group)$46.95
USAA$52.08
Auto-Owners Insurance Co$57.11
Metropolitan$62.30

Driver's Coverage Auto Insurance Rates in Duluth, MN

driver's coverage

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 $94.94 while drivers who are not currently covered will pay around $67.66.

CoverageAverage Monthly Rate
Not Currently Insured $67.66
Currently Insured $94.94

Compare Recent Car Insurance Quotes in Duluth

auto insurance quotes in Duluth city

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 Chevrolet Impala can expect to pay around $103.58 per month while someone that owns a 2016 Ford Fusion may pay around $109.22 per month. Check out the list of recent quotes in Duluth below.

VehicleAverage Monthly Rate
2001 Chevrolet Impala$103.58
2016 Ford Fusion$109.22
2011 Hyundai Sonata$73.42
2002 Nissan Xterra$61.98
2001 Honda Accord$44.22
2014 Chevrolet Cruze$84.82
2007 Subaru Outback$63.28
1998 Buick Century$45.01
2002 Subaru Legacy$82.27
2010 Chevrolet Express G1500$57.65

FAQ's for Drivers in Duluth, MN

driver’s frequently asked question in Duluth

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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Commute Time in Duluth, MN

17 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Duluth, MN

299

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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