Compare Duluth, MN Car Insurance Rates (2021)

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also 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. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Duluth, Minnesota

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.

Minimum Required Car Insurance Coverage in Duluth, Minnesota

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.

Annual Car Insurance Rates by Credit Score in Duluth, Minnesota

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.

Annual Duluth, Minnesota Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Duluth, Minnesota

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.

Annual Car Insurance Rates for Senior Drivers in Duluth, Minnesota

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.

Annual Car Insurance Rates After a DUI in Duluth, Minnesota

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.

Annual Car Insurance Rates by Commute Length in Duluth, Minnesota

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.

Annual Car Insurance Rates by ZIP Code in Duluth, Minnesota

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.

Average Annual Car Insurance Rates by Company in Duluth, Minnesota

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.

Best Annual Car Insurance Rates by Company in Duluth, Minnesota

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.

Annual Car Insurance Rates by Coverage Level in Duluth, Minnesota

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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