Average car insurance cost in Duluth, MN

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Based on an analysis by Insure.com, the typical car insurance expense in Duluth, Minnesota is $1,825 annually. Furthermore, car insurance premiums in Duluth are $86 less than compared to the state average in Minnesota and $70 less than the national average.

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Duluth, the average car insurance rates by age and gender, and the costs in Duluth based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Duluth. Keep reading to learn more.

Cheap car insurance companies in Duluth

Nationwide provides the best value for car insurance in Duluth with coverage limits of 100/300/100, costing $1,309 annually.

A close second is Auto Club Group – ACG (AAA), which offers car insurance at $1,475 per year.

Read about the best car insurance companies.

Average car insurance cost in Duluth by coverage limits

The average car insurance rates in Duluth by coverage type are as follows:

• State minimum coverage: $456 per year (limits of 25/50/25)
• Liability-only coverage: $492 per year (limits of 50/100/50)
• Full coverage: $1,825 per year (limits of 100/300/100)
• Non-owners coverage: $290 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Duluth

The average car insurance rate for a female driver in Duluth, Minnesota, is $1,802 per year.

While the rate for a male driver is $1,848 per year, which is $46 more than what female drivers pay, according to a rate analysis by Insure.com.

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Duluth

In Duluth, teenagers have the highest car insurance rates, at $5,154 per year or $430 per month. This higher rate is attributed to the increased risk of road accidents among teenagers (aged 16 to 19) due to their limited experience on the road, according to the Insurance Information Institute.

However, there are driving laws for teens to improve their driving habits. Additionally, the cost of teen insurance can be reduced by adding them to a parent’s auto insurance policy. As teens mature and establish a positive driving history, their car insurance rates are likely to decrease.

Young adults, pay an average of $3,002 annually for car insurance, which is $2,152 less than what the teens pay for their insurance policy.

Meanwhile, adult, and senior drivers in Duluth have car insurance rates of $1,803 and $1,787 per year, respectively. The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below shows the average annual rates for drivers of different age groups:

Car insurance rate trends in Duluth

Examining the trends in car insurance rates in Duluth, Minnesota, there was an upward trend from 2022 to 2023. Between 2022 and 2023, rates increase overall by 28% or $400.

The table below illustrates the trend over the three years:

Conclusion

In conclusion, the insurance rates in Duluth, are lower than the average insurance cost in Minnesota. Shopping around and taking advantage of available discounts, drivers in Duluth can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.