Cheap Auto Insurance Quotes in Duluth, MN (2023)

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.

See More:

• Cheap Car Insurance Minnesota

• Compare Car Insurance

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

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Minnesota

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 be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Minnesota^[1] are:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Minnesota is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $40,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.

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.

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.

See More:

• High-risk Car Insurance Minnesota

• DUI Car Insurance Minnesota

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.

See More: Bad Credit Car Insurance Minnesota

Find local Duluth agents

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.

For more detailed Minnesota city level guides, check out these below.

• Average Cost of Car Insurance Rates in Minnesota

• DUI Car Insurance Rates in Minnesota

• High-Risk Driver Car Insurance Rates in Minnesota

• Minnesota Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Minnesota

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