Cheapest Auto Insurance in Duluth, Minnesota (2024)
National General offers the cheapest car insurance in Duluth, with minimum-coverage policies as low as $56 per month.
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Written byJess Ullrich
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10+ years writing insurance and personal finance topics
Former associate finance editor for Investopedia
Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 20, 2024
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Table of contents
Drivers in Duluth pay an average of $126 per month for car insurance, which is much less than the state average of $153 and the national average of $154. 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.
Quick Facts
National General, Safeco, and Progressive are the cheapest car insurance companies in Duluth.
Minnesota is a no-fault state for car insurance, which means your insurance company will cover your medical treatment costs and other losses after an accident.[1]
Duluth drivers pay $90 per month for liability insurance and $162 for full-coverage insurance, on average.
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 | 8.3 | $133 | $71 | Cheap rates |
| Liberty Mutual | 7.7 | $252 | $129 | Discounts |
| State Auto | 8.5 | $182 | $86 | Farmers and ranchers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 28,000 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
| User Reviews | 4.5 |
|---|---|
| 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. | 8.3 /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. | $58/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. | $110/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
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 polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.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).
AWhy 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
| User Reviews | 3.7 |
|---|---|
| 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. | $105/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. | $208/mo |
3.7
A solid optionBased on 2671 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
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 initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,559)
Michael
November 19, 2024
Verified Review
Go Elsewhere
The customer service is poor. It's difficult to speak to a human as it's overly automated.
Deborah
November 12, 2024
Verified Review
Examine Every Inch of Your Policy
I didn't realize I didn't have accident forgiveness until my daughter had an accident. They tripled the cost of my policy.
Lee
November 12, 2024
Verified Review
Ugh!
The rates increase every year. I'm an excellent driver and I've never made a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.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).
AWhy 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
| User Reviews | 3.6 |
|---|---|
| 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. | 8.5 /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. | $93/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. | $198/mo |
3.6
A solid optionBased on 21 verified guest reviews and ratings
How drivers feel about State Auto
Drivers appreciate the reasonable initial rates but dislike the poor customer service and unexpected rate increases.
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 poor customer service and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Business auto coverage
Farm auto coverage
Safe drivers
Reviews (8)
Brandon
June 22, 2023
Verified Review
Their customer service is horrible and slow, costing us hundreds of dollars extra in added rental car fees due to their delays.
Their customer service is horrible and slow, costing us hundreds of dollars extra in added rental car fees due to their delays.
Lynnette
February 3, 2021
Verified Review
Average
Rate increase without notice upon renewal.
Barbara
March 17, 2019
Verified Review
Excellent
The rates for the auto coverage we get are reasonable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.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 $56 per month
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Based on 3,806+ reviews
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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: National General
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 $90 per month. Below are the insurers offering the most affordable coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| National General | $56 |
| Safeco | $58 |
| Progressive | $72 |
| Direct Auto | $76 |
| Liberty Mutual | $105 |
| Bristol West | $113 |
| The General | $151 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Duluth: Safeco
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 $162 per month for full-coverage insurance. You can find affordable full-coverage insurance from the following companies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Safeco | $110 |
| National General | $118 |
| Progressive | $125 |
| Direct Auto | $147 |
| Liberty Mutual | $208 |
| Bristol West | $236 |
| The General | $311 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Duluth, Minnesota
Recent Duluth, Minnesota car insurance prices for Toyota, Chevrolet, Honda , and more.
*Quotes generated for Insurify users in and around Duluth, Minnesota within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Duluth, Minnesota within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes 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 $68 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 are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| National General | $56 | $75 | $77 | $93 |
| Safeco | $58 | $78 | $79 | $89 |
| Progressive | $72 | $95 | $99 | $119 |
| Direct Auto | $76 | $101 | $106 | $126 |
| Liberty Mutual | $105 | $150 | $153 | $174 |
| Bristol West | $113 | $152 | $155 | $188 |
| The General | $151 | $205 | $211 | $251 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Duluth, MN
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Duluth car insurance FAQs
Before you start shopping around for coverage, you should determine the right amount of insurance for your unique needs. The following information should help answer your remaining questions about finding cheap auto coverage in Duluth.
How much is car insurance in Duluth?
The overall cost of car insurance in Duluth is $126 per month. On average, drivers pay $90 per month for liability insurance and $162 for full-coverage insurance. Ultimately, your premium will depend on your driving record, age, credit history, and more.
Which companies have the cheapest car insurance in Duluth?
The cost of liability car insurance from National General in Duluth is $56 per month, making it the cheapest insurer in the city. Safeco and Progressive also offer cheap coverage, with respective monthly premiums of $58 and $72. The best way to find cheap coverage is to compare quotes from multiple insurance companies.
What are the best car insurance companies in Duluth?
With an Insurify Quality (IQ) Score of 7.7 out of 5, an AM Best financial strength rating of A (Excellent), and ample discounts, Liberty Mutual is the best car insurance company in Duluth. Minnesota drivers pay an average of $129 per month for liability insurance and $252 for full-coverage from Liberty Mutual.
Other top insurers include Safeco and State Auto. Compare quotes to find the best policy for you.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Minnesota
Sources
- NOLO. "Minnesota No-Fault Car Insurance."
- Minnesota Board of Soil and Water Resources. "Agricultural Lands."
- Minnesota Commerce Department. "Auto Insurance Basics."
- Minnesota Commerce Department. "Auto Insurance Guide."
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Jess UllrichInsurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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