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How much is car insurance in Duluth?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Duluth are about $21 a month more expensive than the rest of Georgia.
If you're considering relocating to Duluth from out of state, you may want to budget a little extra for your insurance. The cost of auto coverage in Duluth is about $46 more expensive than the national average.
While these numbers represent the average monthly payments for coverage in Duluth, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Duluth and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Duluth may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Duluth is about $14 per month. As you can see in the table above, male drivers in the area typically pay $133 on average, while female drivers typically pay $119 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Duluth with one accident will pay around $160 a month. In addition, drivers with a single ticket on their record can expect to pay around $155 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$139|
|15 Years or Older||$115|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Duluth, with drivers paying around $104 per month for insurance.
SUV drivers will see rates of about $116, while the rates for car owners average out to about $133 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Duluth, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$138|
Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Duluth is about $43 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$150|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $32 a month more than those who own their own home in Duluth. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Duluth, GA
Recent trends in car insurance for Duluth drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The cost of insurance in Duluth had been increasing consistently from 2017-2021. It finished down in 2022, at $96.
How does Duluth compare to neighboring areas?
Why are car insurance rates in Duluth different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Availability of off-street parking
- Amount of drivers in the area
- Frequency of car accidents
- Prevalence of crime
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Duluth?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Duluth.
Duluth Insurance FAQs
What factors affect car insurance quotes in Duluth?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Duluth different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Duluth?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Duluth?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Duluth or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.