Table of contents
How much is car insurance in Duluth?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Georgia are about $17 a month cheaper than the rates drivers pay in Duluth.
Likewise, drivers in Duluth may pay higher rates than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $40 cheaper than it is in Duluth.
While these are the average car insurance rates for Duluth, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've broken down the average rates for Duluth to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, 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 longer you've been driving. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in Duluth.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Duluth, this difference shakes out to about $11 per month. As illustrated in the table above, male drivers in the area pay about $125 on average, while female drivers pay around $114 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Duluth with a single accident on their record will usually see rates around $144 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $133 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$131|
|15 Years or Older||$113|
According to the first table above, the cheapest vehicles to insure in Duluth are typically trucks and vans, at $98 per month.
SUV drivers will see rates of about $113, while the rates for car owners average out to about $124 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Duluth, for example, 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)||$130|
Generally speaking, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Duluth follows that pattern, with the difference totaling to around $38 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$159|
Another factor that comes into play is your housing situation. Renters can expect to pay around $28 a month more than those who own their own home in Duluth. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Duluth, GA
Recent trends in car insurance for Duluth drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Duluth, auto insurance rates had been decreasing from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $133.
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 coverage, car insurance companies will review several factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Rate of car accidents
- Community regulations
- Amount of drivers in the community
- Area crime rates
- Off-street parking accessibility
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
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.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies 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 you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, 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?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Duluth?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Duluth or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.