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Cheap Auto Insurance Quotes in Duluth, MN (January 2022)

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Last Updated: January 2022

Duluth residents joke that each winter they have to re-learn how to drive in the snow, and while that might seem silly for some, trying to traverse the city’s snow-laden roads is serious business. Situated in the northern portion of Minnesota along the bank of Lake Superior, this city of roughly 85,000 people can be harder to navigate than one would think. Driving from one end of Duluth to the other can be troubled by traffic jams and inclement weather, so it’s imperative that your auto coverage is robust enough to help when you need it most.

Car Insurance in Duluth, MN

The average cost of Minnesota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Duluth, MN to find you the cheapest quotes in the area.
ProgressiveTravelersNationwideLiberty MutualAmerican Family

Cheapest Car Insurance in Duluth, MN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Duluth, MN Driving Facts


Minimum Car Insurance Requirements in MN

All motor vehicles operated or parked on Minnesota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Minnesota are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Minnesota state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Minnesota law.

  • $10,000/accident for Property Damage (PD)

The state minimum amount of property damage liabiltiy coverage required in the state of Minnesota is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in Minnesota. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Minnesota, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury

Personal injury protection covers the costs of medical bills resulting from a car accident. If you are injured in a car accidentPersonal Injury Protection (PIP) pays for contributes towards medical expenses and other related costs. In MinnesotaPIP Coverage can help with medical expenses from injuries suffered in an auto accident, lost wages due to missed time at work, and replacement services to assist in domestic work you could have done on your own before you were injured. In MinnesotaPIP coverage is mandatory unless explicitly declined in a waiver.

  • $20,000 Medical Expense per person
  • $20,000 Economic Loss per person

Duluth Car Insurance Rates by Driver Age

The Zenith City is home to drivers of every age. However, not everyone pays the same for car insurance, as you can plainly see in the table below. Age influences car insurance rates because studies have determined that age is proportionate to a person’s driving risk. For example, teen drivers in Duluth pay over 300% as much as someone in their 30s for car insurance at $277 on average monthly because this age carries extreme risks.

Driving History
No Violation$94
Speeding Ticket$193
At-Fault Accident$85
Failure to Stop for Red Light / Stop Sign$234

Duluth Car Insurance Rates by Driving and Accident History

Have you ever wondered how to keep car insurance rates low in Duluth? Keep your driving record clean. Car insurance companies use the data on your driving record (including accidents and driving offenses) not only to set your initial car insurance premium but to inform future rate increases. Compare insurance rates between those with and without violations on their records, and the savings are easy to see. What kind of rates can a driver with a clean record expect to get in Duluth? The answer is $93 in monthly insurance premiums. Average rates for those with a speeding ticket or a failure to stop on their record come in much higher, at $193 and $233, respectively.

Duluth Car Insurance Rates by Credit Tier

Car insurance companies use credit-based scoring to calculate a driver’s risk and to set rates. Just like age signals a certain amount of risk, the way people manage their money can indicate their likelihood of making a future claim and costing the insurance company money. In Duluth, drivers with an excellent credit score can expect to pay just $73 for insurance monthly, while a driver whose score is average will pay more than twice that amount.

Duluth, MN DMV Information

While Duluth isn’t a large city in terms of area or population, there are three DMV offices to serve residents. One is open from 8 a.m. to 5 p.m. Monday through Friday and another closes slightly earlier at 4:30 pm. The third location not only offers availability from 9 a.m. to 5:30 p.m. Monday through Friday but is also open on Saturdays from 9 a.m. to 1 p.m. for those who have difficulty visiting during regular weekday hours.

Public Transportation in Duluth, MN

Duluth isn’t very walkable should you choose to travel without a vehicle, but there are other public transportation options available. The Duluth Transit Authority operates public bus routes that can take you just about anywhere in the city, while the Port Town Trolley runs from 11:30 a.m. to 7 p.m. between June and Labor Day. Taxi services are available as well as Uber and Lyft if you desire more privacy.

Find local Duluth agents

Solutions Insurance Agencies 
215 N Central Ave, Ste 6, Duluth, MN 55807
Hanlon & Associates, LLC 
501 S Lake Ave Ste 400, Duluth, MN 55802-2388
Otis-Magie Insurance Agency, Inc. 
332 W Superior St Ste 700, Duluth, MN 55802-1821
Holden Duluth Agency Inc 
5713 Grand Ave, Duluth, MN 55807-2541
Northeast Insurance Brokers 
405 E Superior St Ste 150, Duluth, MN 55802-2624
Marsh & McLennan Agency, LLC 
1502 London Rd Ste 210, Duluth, MN 55812-1788
Young & Associates Insurance 
202 W Superior St #400, Duluth, MN 55802
Farmers Union Agency 
4992 Pike Lake Pl, Duluth, MN 55811-9669
Miller-Hartwig Insurance 
10 W Skyline Pkwy, Duluth, MN 55806-2534
Dwight Swanstrom Company 
31 N 21st Ave W, Duluth, MN 55806-2011

Insurify Insights: How Duluth Drivers Measure Up

Ford Focus
Most Popular Car in
Duluth, MN
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Duluth drivers measure up to their fellow Minnesota motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Duluth

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Duluth drivers rank 2 in the number of car accidents per driver across all cities in Minnesota.

  • Rank within state: #2
  • Percent of drivers in Duluth with an accident: 10.26%
  • Drivers in Duluth, MN with an accident in their driving history paid on average 28.07% more than drivers with a clean record

Speeding in Duluth

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Minnesota, Duluth drivers rank 2 in the number of speeding infractions per driver.

  • Rank within state: #2
  • Percent of drivers in Duluth with a speeding ticket: 10.85%
  • Drivers in Duluth, MN with a speeding ticket in their driving history paid on average 35.09% more than drivers with a clean record

DUI/DWIs in Duluth

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Duluth drivers rank 1 in the number of DUI’s per driver across all cities in Minnesota.

  • Rank within state: #1
  • Percent of drivers in Duluth with a DUI: 5.28%
  • Drivers in Duluth, MN with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Duluth

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Duluth is the Ford Focus.

How to get the best and cheapest car insurance in Duluth, MN

It’s strongly suggested that you have experience driving in the snow before you hit the streets of Duluth, as accidents can happen quite quickly here. Thankfully, even though the weather can pose a challenge to your safety, car insurance rates aren’t terribly high. If you’d rather avoid driving here altogether, the public bus system is a great option.

When saving money is on your radar, car insurance is often one of the first things that people evaluate. Insurify is here to help with an easy to use platform, allowing you to compare real-time quotes from multiple insurance companies at once. You’ll be able to find the best policy that meets your coverage needs and helps you save money at the same time.

FAQs - Duluth, MN Car Insurance

Why is car insurance in Duluth expensive?

Drivers in this city tend to pay roughly the national average for car insurance due to a number of factors. Inclement weather often leads to more accidents, and since Minnesota is a no-fault state, insurance companies tend to raise their rates to offset the number of claims they receive.

Can I drive in Duluth with non-owner car insurance?

A non-owner policy is designed to act as secondary coverage when you are operating someone else’s vehicle. These types of policies will pay toward others’ injuries or any property damage you cause during an accident but typically won’t help when it comes to your own vehicle’s damage or any injuries you sustain.

Where can I find cheap car insurance in Duluth?

If you’re looking for the best rates on car insurance and don’t want to spend all day comparing prices, visit Insurify instead. You’ll be able to view real-time quotes in a matter of minutes and can find an inexpensive policy that’s perfect for you.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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