Cheapest Auto Insurance in Duluth, Minnesota (2026)

Drivers in Duluth pay an average of $104 per month for car insurance, which is much less than the state average of $120 and the national average of $136. Duluth has a relatively low population density and Minnesota has a slightly lower cost of living than the national average, which may explain why Duluth residents benefit from lower rates.

Here’s what you need to know about finding cheap car insurance in Duluth.

3 of the cheapest car insurance companies in Duluth

Insurance rates vary by company, so it’s essential to compare quotes and coverage options from multiple insurers if you’re looking for a new auto insurance policy in Duluth. Premiums will vary depending on factors like your driving record, age, gender, and insurance coverage needs.

The insurance companies below offer some of the cheapest car insurance premiums for Duluth drivers. The rates below reflect the average cost of coverage in Minnesota. Start your search below to find the right policy for you.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
Safeco	8.1	$123	$68	Cheap rates
Liberty Mutual	7.7	$189	$109	Discounts
State Auto	7.1	$182	$86	Farmers and ranchers

Disclaimer: Table data sourced from real-time Duluth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Duluth may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Safeco

cheap rates

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User Reviews	4.3 531 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$57/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$105/mo

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Driver Reviews

4.3

Best choiceBased on 988 verified guest reviews and ratings

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Reviews (531)

Linda

Verified Review

Raising Prices Too High

Reviewed in New Hampshire on February 6, 2026

It was okay, but now they are raising the price on my policy by $572.20. They said it's because of rates for ambulances, fire, and police in Gilford. That doesn't seem to have anything to do with my auto insurance, but that's what they said.

Jon

Verified Review

Shop around

Reviewed in California on February 4, 2026

Shop around. I believe insurers give an initial lower rate and then increase it over time, knowing that most people just keep paying the higher rate. You have to shop every time renewal comes up.

Patrick

Verified Review

Poor Business Practice

Reviewed in Michigan on January 30, 2026

The price is a bit cheaper than average at first. The issue is that after a month, they claimed they never received the qualifying medical insurance letter, changed your PIP allocations, and charged you hundreds more than the original quote. They make you jump through hoops to get your money back, then only return a minute fraction of it and claim it was the customer's fault. They will not return the money wrongfully taken for "lack of medical coverage letter"—they received it! And let's just for amusement say they never received it, you'd think an email, text, or call to say "Hey, we don't have the medical coverage letter, and we need that or we will deduct such and such on such and such date" would be appropriate... but no, they'd rather be shady! Additionally, getting a service agent at certain times can be difficult!

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

613

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.72

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Safeco offers some of the cheapest car insurance in Duluth, making it a great option for drivers looking to save on car insurance coverage. In addition to auto insurance, the company sells a number of additional insurance products, including home, renters, motorcycle, umbrella, and pet health insurance.

Pros

• Significantly less expensive than competitors

• Cash back for claims-free periods

Cons

• Lower IQ Score than some competitors

• Lower-than-average J.D. Power customer satisfaction rating in the Central region

Best insurer for discounts: Liberty Mutual

discounts

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User Reviews	3.4 1,864 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.7 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$94/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$163/mo

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Driver Reviews

3.4

A solid optionBased on 3,464 verified guest reviews and ratings

How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

Reviews (1,864)

Wendy

Verified Purchase

Go Liberty Liberty!

Reviewed in Wisconsin on February 9, 2026

Simply done very well, friendly, gives you repeat answers for your same questions.

James

Verified Review

Poor Service

Reviewed in Massachusetts on February 7, 2026

Liberty advertises that you pay only for what you want. My wife has dementia and cannot drive. She is on my policy, and they have told me because she was listed, she would have to remain, and I have to pay for that.

Jacqueline

Verified Review

Experience

Reviewed in New Jersey on February 6, 2026

I'm new, but so far it's been a good experience.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

612

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

4.28

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Liberty Mutual provides many discounts for its auto insurance customers, which can help bring your rates down significantly. Drivers can take advantage of homeowner, military, good student, claims-free, and multi-policy discounts.

The company also offers its RightTrack program, which uses telematics to understand your driving behaviors. Drivers receive an initial discount for participating, and people who practice safe habits on the road could receive an insurance rate discount of up to 30%.

Pros

• More than a dozen available discounts

• RightTrack program rewards safe driving

Cons

• Higher average rates than some competitors

• Below-average J.D. Power customer satisfaction rating in the Central region

Best insurer for farmers and ranchers: State Auto

Farmers and Ranchers

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User Reviews	4.0 13 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$153/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$270/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 34 verified guest reviews and ratings

How drivers feel about State Auto

Drivers appreciate the reasonable initial rates but dislike the unexpected rate increases and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best For

Business auto coverage

Farm auto coverage

Safe drivers

How drivers feel about State Auto

Drivers appreciate the reasonable initial rates but dislike the unexpected rate increases and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best For

Business auto coverage

Farm auto coverage

Safe drivers

Reviews (13)

Theresa

Verified Review

Excellent service

Reviewed in Arizona on October 16, 2025

Affordable.

Eugene

Verified Review

Great

Reviewed in Arizona on September 12, 2025

So far, a good company.

Connie

Verified Review

Overall, we have trusted & have been satisfied over our many years of coverage with them, both home

Reviewed in Michigan on August 5, 2025

They don't have the best communication at the local level.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

6.28

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A-

Why we picked this company

Minnesota has more than 26 million acres of farmland and ranches, which make up over half of the state’s total land area.^[2] Drivers seeking to insure personal and agricultural business vehicles will find what they’re looking for with State Auto. The insurer also offers farm and ranch coverage.

Pros

• Bundling options available

• Customizable coverage

Cons

• More expensive than some competitors

• Not ranked among insurers in J.D. Power’s 2023 U.S. Auto Insurance Study

Find Cheap Car Insurance in Duluth, Minnesota

Liability quotes start at $53 per month

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How to get the cheapest car insurance in Duluth

Several factors affect the cost of your car insurance in Duluth, including your driving history, age, gender, credit score, and coverage needs. You don’t have much control over some of these factors, but taking steps to improve your credit and driving safely can help you save money.

Here are some strategies for finding cheap auto insurance:

• Compare companies. One of the best ways to search for cheap coverage is to compare rates and coverage offerings from different companies. Insurance rates vary, so getting quotes can help you get the best coverage.

• Research discounts. Available discounts also vary across companies, so comparing options can help you find discounts applicable to your situation. For instance, you can look into bundling multiple insurance products, such as homeowners insurance, renters insurance, business insurance, or life insurance, with your auto coverage for additional savings.

• Consider a telematics program. Many insurers offer telematics programs, which can help you earn a discount for installing a device in your vehicle and maintaining safe driving habits.

Cheapest liability-only car insurance in Duluth: State Farm

Liability-only car insurance offers basic protection. It covers you if you injure someone else on the road or damage another’s vehicle or property, but it doesn’t provide protection for financial losses you experience. 

Liability coverage in Duluth costs an average of $77 per month. Below are the insurers offering the most affordable coverage.

The below rates in Duluth, MN, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$53
Safeco	$57
National General	$62
Auto-Owners	$62
Progressive	$64
USAA	$65
American Family	$77
Chubb	$78
Direct Auto	$80
Dairyland	$86
Liberty Mutual	$94
The General	$96
GEICO	$97
Nationwide	$101
Bristol West	$108
Travelers	$111
Allstate	$112
COUNTRY Financial	$142
Farmers	$156

Disclaimer: Table data sourced from real-time Duluth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Duluth may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Duluth: State Farm

Full-coverage car insurance — which typically includes liability, collision, and comprehensive coverage — gives you more financial protection than liability-only insurance. If you have an auto loan or lease, your lender may require you to purchase this type of policy. Drivers with newer vehicles and people who want additional coverage can benefit from a full-coverage policy.

Duluth drivers pay an average of $130 per month for full-coverage insurance. You can find affordable full-coverage insurance from the following companies.

The below rates in Duluth, MN, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$80
Progressive	$91
Auto-Owners	$93
USAA	$98
Safeco	$105
American Family	$116
Chubb	$118
National General	$122
Direct Auto	$140
GEICO	$146
Nationwide	$152
Liberty Mutual	$163
Allstate	$167
Travelers	$167
The General	$198
COUNTRY Financial	$213
Bristol West	$224
Farmers	$233
Dairyland	$298

Disclaimer: Table data sourced from real-time Duluth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Duluth may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Minnesota

Minnesota is a no-fault state, which means drivers must maintain personal injury protection (PIP) coverage in addition to basic liability coverage.^[3]

PIP coverage, also called no-fault insurance, protects you if you have a car accident and you or your passengers need medical attention. In addition to medical bills, it can cover other financial losses or funeral costs.

Here’s a look at the minimum car insurance requirements in Minnesota:^[4]

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person / $60,000 per accident
Property damage liability	$10,000 per accident
Personal injury protection	$40,000 per person, per accident ($20,000 for medical expenses and $20,000 for non-medical expenses)
Uninsured/underinsured motorist	$25,000 per person / $50,000 per accident

Opting to buy additional coverages can give you added financial security in the event of a car accident. Consider the following common car insurance add-ons:

• 

  Comprehensive coverage

  Following damage from non-collision incidents like natural disasters, theft, and vandalism, comprehensive insurance kicks in to cover your vehicle.

• 

  Collision coverage

  If you have a collision with another vehicle or object, collision insurance can cover your resulting motor vehicle damage regardless of fault.

• 

  Roadside assistance coverage

  Many insurers offer roadside assistance, which is helpful coverage to have if you run into vehicle trouble while on the road.

Cheapest car insurance for drivers with an incident

People with one or more past incidents on their driving records typically pay higher insurance rates. These incidents include at-fault accidents, speeding tickets, driving under the influence charges, and other moving violations.

Rates tend to increase after these incidents because insurance companies view these drivers as higher risk or more likely to file claims. On average, Duluth drivers with a past incident pay $63 per month for liability insurance.

Below are some of the most affordable coverage options for drivers in Duluth with an incident on their records.

The below rates in Duluth, MN, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
State Farm	$53	$67	$68	$82
Safeco	$57	$75	$78	$94
National General	$62	$77	$80	$96
Auto-Owners	$62	$81	$80	$96
Progressive	$64	$80	$81	$103
USAA	$65	$84	$85	$101
American Family	$77	$100	$101	$119
Chubb	$78	$99	$101	$121
Direct Auto	$80	$100	$107	$124
Dairyland	$86	$107	$111	$133
Liberty Mutual	$94	$120	$122	$146
The General	$96	$128	$129	$149
GEICO	$97	$127	$123	$148
Nationwide	$101	$131	$133	$156
Bristol West	$108	$136	$139	$167
Travelers	$111	$144	$146	$172
Allstate	$112	$146	$146	$173
COUNTRY Financial	$142	$194	$191	$212
Farmers	$156	$200	$203	$242

Disclaimer: Table data sourced from real-time Duluth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Duluth may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Your age will also affect the cost of your car insurance. Insurance rates are generally the highest for teenagers and young drivers, but costs tend to decrease steadily for drivers between 35 and 70.

New drivers are statistically more likely to have car accidents, which means their insurance costs more. Likewise, insurance companies may view senior drivers as a higher risk to insure due to aging-related risk factors.

Here’s how insurance costs compare by age of drivers in Duluth.

Age	Average Monthly Quote
Teens	$292
20s	$200
30s	$162
40s	$152
50s	$128
60s	$103
70s	$96

Disclaimer: Table data is based on real-time Duluth quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Duluth car insurance quotes by credit tier

Your credit history can also affect your auto insurance costs in Minnesota. People with excellent or good credit scores are likely to earn lower car insurance costs than drivers with poor credit scores. If you’re unsure about your credit history, consider reviewing your reports and scores before applying for new auto coverage.

Here’s how much Duluth drivers pay for full-coverage insurance by credit tier.

Duluth car insurance FAQs