Best Duluth, MN Car Insurance in 2025
Car insurance in Duluth, MN averages $383 a month. Duluth, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Duluth car insurance rates, compare quotes from the top car insurance companies in Duluth, MN.
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Table of Contents
Table of Contents
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Benjamin Carr
Executive Chairman
Joel Ohman is the CEO of a private equity-backed digital media company. He is a published author, angel investor, and serial entrepreneur who has a passion for creating new things, from books to businesses. He has previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel has been mentione...
Joel Ohman
Updated December 2025
- The cheapest car insurance company in Duluth is State Farm
- Average car insurance rates in Duluth, MN are $4,590/year
- The cheapest ZIP code in Duluth is 55811
If you need to buy Duluth, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Duluth, MN is right here.
You’ll find Duluth car insurance rates, the cheapest Duluth, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Duluth, Minnesota car insurance rates to St. Paul car insurance rates, Minneapolis car insurance rates, and Woodbury car insurance rates.
Ready to find affordable Duluth, MN car insurance today? Enter your ZIP code for fast, free Duluth car insurance quotes.
Cheapest Duluth, MN Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Duluth, MN car insurance rates? Every Duluth, Minnesota car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,213 | $3,213 | $3,079 | $3,079 | $7,360 | $10,760 | $3,895 | $4,122 |
| American Family | $2,254 | $2,254 | $2,046 | $2,046 | $6,212 | $8,958 | $2,254 | $2,538 |
| Farmers | $2,071 | $2,070 | $1,990 | $2,105 | $5,934 | $6,005 | $2,721 | $2,697 |
| Geico | $2,327 | $2,307 | $2,218 | $2,156 | $4,988 | $6,321 | $2,179 | $2,268 |
| Liberty Mutual | $9,991 | $9,991 | $9,893 | $9,893 | $19,609 | $29,401 | $9,991 | $13,889 |
| Nationwide | $1,928 | $1,942 | $1,716 | $1,822 | $5,016 | $6,117 | $2,273 | $2,375 |
| State Farm | $1,531 | $1,531 | $1,372 | $1,372 | $3,406 | $4,231 | $1,787 | $1,457 |
| USAA | $1,937 | $1,925 | $1,760 | $1,759 | $5,231 | $5,747 | $2,537 | $2,701 |
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Minimum Car Insurance in Duluth, MN
Every driver must carry the minimum car insurance in Duluth, MN. Take a look at the Minnesota car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Duluth, MN Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Duluth, MN. Compare credit history car insurance rates in Duluth from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,100 | $3,848 | $3,571 |
| American Family | $4,882 | $3,234 | $2,595 |
| Farmers | $3,976 | $2,905 | $2,717 |
| Geico | $3,715 | $3,040 | $2,532 |
| Liberty Mutual | $19,629 | $12,696 | $9,922 |
| Nationwide | $3,441 | $2,784 | $2,470 |
| State Farm | $3,040 | $1,860 | $1,357 |
| USAA | $4,640 | $2,252 | $1,957 |
Cheapest Duluth, MN Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Duluth, MN to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,508 | $5,097 | $6,161 | $4,594 |
| American Family | $2,401 | $4,312 | $4,848 | $2,721 |
| Farmers | $2,743 | $3,444 | $3,482 | $3,128 |
| Geico | $2,062 | $3,268 | $4,844 | $2,209 |
| Liberty Mutual | $10,294 | $14,145 | $20,789 | $11,101 |
| Nationwide | $2,309 | $3,052 | $3,504 | $2,729 |
| State Farm | $1,910 | $2,261 | $2,086 | $2,086 |
| USAA | $2,187 | $2,790 | $4,217 | $2,604 |
Cheapest Duluth, MN Car Insurance for Teen Drivers
Teen car insurance in Duluth, MN can be expensive. Take a look at rates from the top car insurance companies in Duluth for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,360 | $10,760 |
| American Family | $6,212 | $8,958 |
| Farmers | $5,934 | $6,005 |
| Geico | $4,988 | $6,321 |
| Liberty Mutual | $19,609 | $29,401 |
| Nationwide | $5,016 | $6,117 |
| State Farm | $3,406 | $4,231 |
| USAA | $5,231 | $5,747 |
Cheapest Duluth, MN Car Insurance for Seniors
Take a look at Duluth, MN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,079 | $3,079 |
| American Family | $2,046 | $2,046 |
| Farmers | $1,990 | $2,105 |
| Geico | $2,218 | $2,156 |
| Liberty Mutual | $9,893 | $9,893 |
| Nationwide | $1,716 | $1,822 |
| State Farm | $1,372 | $1,372 |
| USAA | $1,760 | $1,759 |
Cheapest Duluth, MN Car Insurance Rates After a DUI
A DUI in Duluth, MN increases car insurance rates. Compare Duluth, Minnesota DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,161 |
| American Family | $4,848 |
| Farmers | $3,482 |
| Geico | $4,844 |
| Liberty Mutual | $20,789 |
| Nationwide | $3,504 |
| State Farm | $2,086 |
| USAA | $4,217 |
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Cheapest Duluth, MN Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Duluth, MN by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,840 | $4,840 |
| American Family | $3,529 | $3,612 |
| Farmers | $3,199 | $3,199 |
| Geico | $3,054 | $3,137 |
| Liberty Mutual | $13,671 | $14,494 |
| Nationwide | $2,899 | $2,899 |
| State Farm | $2,030 | $2,141 |
| USAA | $2,911 | $2,988 |
Cheapest Duluth, MN Car Insurance Rates by ZIP Code
Duluth car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Duluth, MN.
| ZIP Code | Average Annual Rates |
|---|---|
| 55802 | $3,538 |
| 55803 | $3,501 |
| 55804 | $3,476 |
| 55805 | $3,487 |
| 55806 | $3,538 |
| 55807 | $3,548 |
| 55808 | $3,508 |
| 55810 | $3,477 |
| 55811 | $3,440 |
| 55812 | $3,462 |
The Best Cheap Car Insurance Companies in Duluth, MN
Take a look at a side-by-side comparison of the top car insurance companies in Duluth, MN to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,840 |
| American Family | $3,570 |
| Farmers | $3,199 |
| Geico | $3,095 |
| Liberty Mutual | $14,082 |
| Nationwide | $2,899 |
| State Farm | $2,086 |
| USAA | $2,949 |
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Category Winners: Cheapest Car Insurance in Duluth, Minnesota
Find the cheapest car insurance companies in Duluth, MN for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
Cheapest Duluth, MN Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Duluth car insurance rates. Find the cheapest Duluth, MN car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,780 | $4,837 | $4,904 |
| American Family | $3,553 | $3,667 | $3,490 |
| Farmers | $3,093 | $3,212 | $3,294 |
| Geico | $2,999 | $3,097 | $3,190 |
| Liberty Mutual | $13,726 | $14,098 | $14,423 |
| Nationwide | $2,737 | $2,920 | $3,038 |
| State Farm | $1,998 | $2,094 | $2,165 |
| USAA | $2,869 | $2,948 | $3,032 |
What affects car insurance rates in Duluth, Minnesota?
What factors can have an impact on Duluth, MN car insurance? There are several reasons why Duluth car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Duluth, Minnesota.
Commute Time in Duluth
The more time you spend in your car the higher the risk of an accident. The average commute length in Duluth, MN is 16.9 minutes according to City-Data.
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Compare Car Insurance Quotes in Duluth, MN
Ready to find affordable Duluth, Minnesota car insurance today? Enter your ZIP code for fast, free Duluth, MN car insurance quotes.
Frequently Asked Questions
How are car insurance rates for Duluth, MN determined?
Car insurance rates for Duluth, MN, are determined by various factors. These factors include the driver’s age, driving record, credit history, location within Duluth, coverage options selected, deductible amount, annual mileage, and the specific make, model, and year of the vehicle. Insurance companies also consider local factors such as accident rates, theft rates, and the cost of repairs and medical services in the area.
Are car insurance rates higher in Duluth, MN compared to other areas?
Car insurance rates can vary depending on multiple factors, and it’s difficult to make a general statement about rates in Duluth, MN compared to other areas. Rates can be influenced by local factors such as the number of accidents and thefts in the area, as well as state-specific regulations and insurance market conditions. Additionally, your personal driving profile and the coverage options you select will play a significant role in determining your insurance rates.
How can I find the best car insurance rates in Duluth, MN?
To find the best car insurance rates in Duluth, MN, it’s recommended to shop around and compare quotes from multiple insurance providers. You can contact different insurance companies directly or use online comparison tools that allow you to receive quotes from multiple insurers simultaneously. Providing accurate and consistent information when requesting quotes will help ensure you receive accurate rates for comparison.
What can I do to lower my car insurance rates in Duluth, MN?
There are several strategies you can employ to potentially lower your car insurance rates in Duluth, MN:
- Maintain a clean driving record and avoid traffic violations or accidents.
- Consider increasing your deductible, which is the amount you pay out of pocket in the event of a claim.
- Inquire about available discounts such as multi-policy discounts, good driver discounts, or discounts for safety features on your vehicle.
- Evaluate your coverage options and consider whether you need additional coverage beyond the mandatory requirements.
- If feasible, install anti-theft devices or security systems that may reduce the risk of theft.
Are there any specific considerations for insuring a vehicle in Duluth, MN?
When insuring a vehicle in Duluth, MN, it’s important to consider factors such as the local weather conditions, traffic patterns, and potential risks in the area. If you live in an area prone to severe weather events, such as winter storms or hailstorms, you may want to consider comprehensive coverage to protect your vehicle against such damages. Additionally, understanding the specific insurance requirements and regulations in Minnesota is essential to ensure you meet the minimum coverage requirements.
Are there any local insurance providers in Duluth, MN?
There may be local insurance providers in Duluth, MN, in addition to national or regional insurance companies. Local providers may offer unique coverage options or be familiar with specific factors that affect insurance rates in the area. It’s recommended to research and compare both local and national insurance providers to find the best coverage and rates for your needs.
Should I consider specialized coverage for my vehicle in Duluth, MN?
The decision to add specialized coverage to your vehicle in Duluth, MN depends on your specific circumstances and preferences. It’s advisable to evaluate factors such as the age and value of your vehicle, your driving habits, and potential risks in the area. Specialized coverage options such as comprehensive and collision insurance may provide additional protection beyond the mandatory liability coverage. Consider your needs and consult with insurance providers to determine the appropriate coverage for your vehicle.
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