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How much is car insurance in Duluth?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $22 a month more expensive to insure your vehicle in Duluth than it is in the rest of Georgia.
Likewise, Duluth residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $47 more expensive for coverage in Duluth than the average rates for the U.S. as a whole.
While these are the average monthly costs for auto insurance coverage in Duluth, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But don't worry, we've broken down the average rates for Duluth residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Duluth Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates climb back up once you hit retirement age in Duluth.
Duluth Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Duluth, where women pay around $15 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $118 each month, while men pay $133 on average.
Duluth Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Duluth, having a single accident on your record will usually get you rates around $160 a month. Likewise, drivers with one ticket will be looking at a rate of around $156 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Duluth Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$140|
|15 Years or Older||$113|
In Duluth, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $104 per month for insurance coverage.
SUV drivers will see rates of about $115, while the rates for car owners average out to about $133 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Duluth, the most expensive vehicles to insure are vehicles six-to-seven years old.
Duluth Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$137|
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
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 $41 a month.
Duluth Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$150|
One other element taken into consideration is your living situation. Those who own their own home in Duluth can expect to pay around $33 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Duluth, GA
Recent trends in car insurance for Duluth drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Duluth, the rates for auto insurance went up consistently from 2017-2021. They finished down in 2022, at $104.
How does Duluth compare to neighboring areas?
Why are car insurance rates in Duluth different from other areas?
There are a lot of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Rate of crime
- Number of car accidents
- Amount of drivers in the region
- Regional regulations
- Off-street parking availability
Having an awareness of these factors is critical 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 getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Duluth.
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Duluth Auto Insurance FAQs
What factors affect car insurance quotes in Duluth?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Duluth different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Duluth?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Duluth?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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.
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