Average car insurance cost in Duluth, MN

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The average car insurance cost in Duluth, Minnesota is $1,825 per year, according to Insure.com data. This is $86 less than the average auto insurance cost in Minnesota and $70 less than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Duluth, the average car insurance rates by age, gender and how much is car insurance in Duluth based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Duluth. Read on to learn more.

Cheap car insurance companies in Duluth

Nationwide offers the cheapest car insurance in Duluth, at an average of $1,309 per year with full coverage limits of 100/300/100.

The second cheapest company in Duluth is Auto Club Group – ACG (AAA), offering car insurance rates at $1,475 per year.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Duluth before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Duluth, Minnesota:

Read about the best car insurance companies.

Average car insurance cost in Duluth by coverage limits

In Duluth, the average car insurance rates based on coverage types are as follows:

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

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Duluth

Based on an analysis by Insure.com, female drivers in Duluth, Minnesota pay an average annual car insurance premium of $1,802. In comparison, male drivers pay $1,848 annually, which is $46 more than what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Duluth

Car insurance rates in Duluth, are highest for teens at $5,154 per year or $430 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $3,002 annually for their car insurance, which is $2,152 less than what teens pay for their insurance coverage.

In Duluth, adult drivers pay an average of $1,803 per year for car insurance, while senior drivers pay $1,787 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.

Read more on auto insurance for seniors.

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

Car insurance rate trends in Duluth

Examining car insurance rate trends in Duluth, Minnesota, we observe a upward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced increase overall, with an increase of 28% or $400.

The table below shows the trend for last four years:

Conclusion

In conclusion, Duluth’s car insurance rates are lower than the average insurance rates in Minnesota. Drivers in Duluth can find affordable car insurance options by shopping around and taking advantage of available discounts. Moreover, 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.