Best Cheap Auto Insurance in Duluth, MN (2021)

The average Duluth, MN auto insurance rates are $383 per month. The minimum auto insurance in Duluth is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Duluth, Minnesota, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Duluth for teen drivers is Liberty Mutual
  • Average auto insurance rates in Duluth, MN for senior drivers are $3,019 per year
  • The average commute length in Duluth is 16.9 minutes

Duluth, Minnesota auto insurance requirements are 30/60/10 according to Minnesota auto insurance laws. Finding cheap auto insurance in Duluth can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Duluth, Minnesota, including driving record, credit, commute time, and more.

Compare auto insurance in Duluth to other Minnesota cities, including Woodbury auto insurance rates, St. Paul auto insurance rates, and Plymouth auto insurance rates to see how Duluth, Minnesota auto insurance rates stack up.

Before you buy Duluth, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Duluth, Minnesota auto insurance quotes.

Minimum Auto Insurance in Duluth, Minnesota

Duluth, Minnesota auto insurance laws require that you have at least the Minnesota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Duluth, Minnesota.

Minimum Required Auto 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

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Cheap Duluth, Minnesota Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Duluth, Minnesota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Duluth, Minnesota Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Duluth, Minnesota is a challenge. Take a look at the annual teen auto insurance rates in Duluth, Minnesota.

Annual Auto 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

Cheap Duluth, Minnesota Auto Insurance for Seniors

What are senior auto insurance rates in Duluth, Minnesota? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Duluth, Minnesota Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Duluth, Minnesota compared to the annual auto insurance rates with a clean record in Duluth, Minnesota.

Annual Duluth, Minnesota Auto 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

Cheap Duluth, Minnesota Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Duluth, Minnesota is not easy. Compare the annual rates for DUI auto insurance in Duluth, Minnesota to find the best deal.

Annual Auto Insurance Rates After a DUI in Duluth, Minnesota

Insurance Company Annual Auto 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

Cheap Duluth, Minnesota Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Duluth, Minnesota annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Duluth, Minnesota Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Duluth, Minnesota can vary. Compare the annual cost of auto insurance by ZIP code in Duluth, Minnesota to see how car insurance rates are affected by location.

Annual Auto 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

Cheap Duluth, Minnesota Auto Insurance Rates By Commute

Commute length and annual mileage affect Duluth, Minnesota auto insurance. Find the cheapest annual Duluth, Minnesota auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Duluth, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Duluth, Minnesota Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Duluth, Minnesota? Check out the comparison of annual Duluth, Minnesota auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Duluth, Minnesota

Compare the cheapest auto insurance companies in Duluth, Minnesota in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Duluth, Minnesota Auto Insurance Companies

What auto insurance companies in Duluth, Minnesota are the cheapest? Compare the top Duluth, Minnesota auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Duluth, Minnesota?

There are a lot of reasons why auto insurance rates in Duluth, Minnesota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Duluth, Minnesota. Many local factors may affect your Duluth auto insurance rates.

Duluth Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Duluth, Minnesota commute length is 16.9 minutes according to City-Data.

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Compare Duluth, Minnesota Auto Insurance Quotes

Before you buy Duluth, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Duluth, Minnesota auto insurance quotes.

Free Auto Insurance Comparison

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

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