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How much is car insurance in Duluth?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Duluth typically costs about $23 a month less than it does in the rest of Minnesota.
Drivers relocating from out of state may enjoy some cost savings in Duluth. The average monthly payment in Duluth is about $8 less than the rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of Duluth, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for Duluth residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may start to rise again in Duluth.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The difference in Duluth is about $6 a month. As illustrated in the table above, female drivers in the area pay about $71 on average, while male drivers pay around $77 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Duluth with a single accident on their record is about $101 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $92.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$74|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Duluth, with drivers paying around $65 per month for insurance.
Car owners can expect to pay an average of around $76 a month for their policy, while SUVs usually cost around $72 a month to insure.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Duluth, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Overall, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Duluth is no exception, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $4 a month more than homeowners in Duluth. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Duluth, MN
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 choosing where to shop.
In Duluth, car insurance rates had been decreasing from 2017-2020, before leveling out in 2021. Insurance rates finished down in 2022, at $72 per month
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 a monthly rate, car insurance companies will consider numerous factors. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Off-street parking accessibility
- Local crime rates
- Road Safety (how many accidents each locality has)
- Amount of drivers in the area
- Area laws
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge 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?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Duluth.
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Duluth Insurance FAQs
What factors affect car insurance quotes in Duluth?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Duluth different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Duluth?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Duluth or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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