Car Insurance in Duluth, Minnesota
Estimated full coverage in Duluth runs about $1,300 a year ($109/month) — ▼ −3% versus the Minnesota average, ranking 8th most expensive of the 8 Minnesota cities we cover.
Why car insurance in Duluth costs less than the Minnesota average
Insurers price by territory, and Duluth's numbers explain most of the gap. With 87,986 residents on 71.7 square miles, the city's density (1,228 people per square mile) is 99% higher than the density where the typical Minnesota resident lives (617). The average commute is 17.3 minutes (Minnesota: 22.7), and 69% of workers drive alone. Together these put our location factor at 0.99× the state baseline for liability and collision, and 0.93× for comprehensive once FEMA weather risk for St. Louis County is included.
| Factor | Duluth | Minnesota ref. | Why it matters |
|---|---|---|---|
| Population density | 1,228 / sq mi | 617 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 17.3 min | 22.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.0% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 69.1% | — | Share of workers commuting by car. |
| Public transit to work | 3.3% | — | Transit use lowers how much residents drive. |
| Work from home | 13.2% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 10.2% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 69.4 | 92.6 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Duluth
Rates can change from one ZIP code to the next. Across 9 Duluth ZIP codes, our full-coverage estimate ranges from $1,165 in 55803 to $1,405 in 55805. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 55811 | 28,118 | 436 | 16.1 min | 6.7% | $1,225 | −6% |
| 55803 | 17,662 | 60 | 22.4 min | 2.8% | $1,165 | −10% |
| 55804 | 15,922 | 169 | 22.1 min | 2.5% | $1,225 | −6% |
| 55812 | 10,859 | 5,609 | 16.2 min | 7.3% | $1,395 | +7% |
| 55805 | 10,602 | 7,347 | 15.8 min | 16.7% | $1,405 | +8% |
| 55807 | 9,763 | 1,687 | 17.5 min | 8.6% | $1,325 | +2% |
| 55806 | 9,356 | 2,734 | 16.1 min | 19.8% | $1,340 | +3% |
| 55808 | 5,691 | 474 | 23.6 min | 8.0% | $1,305 | 0% |
| 55802 | 2,399 | 928 | 16.1 min | 27.1% | $1,270 | −2% |
Minimum car insurance in Duluth
Duluth drivers follow Minnesota's rules: at least 30/60/10 liability coverage, personal injury protection, and uninsured motorist coverage. Minnesota is no-fault. We estimate state-minimum coverage in Duluth at $465 a year, and $650 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $40,000 Personal injury protection of $40,000 per person is required: $20,000 for medical expenses and $20,000 for non-medical losses such as wages. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Underinsured motorist coverage of at least 25/50 is required. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Risk factors that shape Duluth premiums
Accidents
Minnesota recorded 477 traffic deaths, or 0.81 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Minnesota's vehicle theft rate is 165 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Hyundai Elantra (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates St. Louis County as relatively moderate for hail, relatively moderate for inland flooding and relatively moderate for strong wind.
Traffic & commuting
3.0% of Duluth commuters spend an hour or more getting to work, and there are 1.67 vehicles per household. 13.2% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 84.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 64.7 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 91.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 35.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 71.3 | Comprehensive; dwelling | |
| Winter weather | 98.0 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Duluth by driver profile
A clean-record driver in their 50s pays the least in our Duluth model (about $1,200 for full coverage); an 18-year-old on their own policy pays about $3,580, and a DUI pushes a 30-something to $2,410.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,275 | $1,780 | $3,580 | $298 |
| Young adult (22) | $745 | $1,035 | $2,085 | $174 |
| Adult in their 30s | $465 | $650 | $1,300 | $108 |
| Adult in their 50s | $425 | $595 | $1,200 | $100 |
| Senior (72) | $520 | $725 | $1,460 | $122 |
| 30s, one at-fault accident | $675 | $940 | $1,890 | $158 |
| 30s, DUI on record | $860 | $1,200 | $2,410 | $201 |
Minimum vs. standard vs. full coverage in Duluth
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $465 | $39 | $380–$550 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $650 | $54 | $530–$765 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,300 | $109 | $1,070–$1,535 |
Estimate your premium in Duluth
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Cheap car insurance in Duluth: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Duluth's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $90 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $90 | You're among the 13.2% of Duluth workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $360 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $650 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $290 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Duluth
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 29 offices listed below.
- Check complaint records with the Minnesota Department of Commerce (complaint information) before you buy.
- Mention your ZIP code accurately — within Duluth, our estimates differ by up to $240 a year between neighborhoods.
Car insurance agents near Duluth, MN
We found 29 insurance offices within about 6 miles of central Duluth, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Dennis Allan Thielke - Farmers Insurance
1927 W Superior St, Duluth, MN 55806 -
Dylan Merriman Agency LLC
2818 Piedmont Ave, Ste A, Duluth, MN 55811 -
Isaacson & Associates LLC
40 W Central Entrance, Duluth, MN 55811 -
Christopher Gardner - Allstate
4001 Grand Ave, Duluth, MN 55807 -
Parker Daniel Anderson - Farmers Insurance
394 S Lake Ave, Duluth, MN 55802 -
Nikki Roy State Farm
1700 Mall Drive, Duluth, MN 55811 -
Carter Belrose - Farmers Insurance
4724 Mike Colalillo Dr, Duluth, MN 55807 -
Bonnie Joy Jacobson - Farmers Insurance
738 E Superior St, Duluth, MN 55802 -
Farmer's Insurance
MN -
Shane Cass - American Family Insurance
5322 Grand Ave, Ste 2, Duluth, MN 55807 -
Mark Thorsten - American Family Insurance
4911 Matterhorn Dr, Duluth, MN 55811 -
Robert G Swor - Farmers Insurance
4929 Matterhorn Dr, Duluth, MN 55811 -
Allison Hanig-Landrus Agency Inc
1131 E 4th St, Ste A, Duluth, MN 55805 -
State Farm
1411 London Road, , MN -
Brennan Rilea - American Family Insurance
1408 Kenwood Ave, Duluth, MN 55811 -
Rolf Flaig - State Farm
1315 W. Arrowhead Road, Duluth, MN 55811 -
Joseph Edward Ostberg - Farmers Insurance
6630 Grand Ave, Duluth, MN 55807 -
State Farm
WI -
Erie Insurance
823 Belknap Street, Suite 121, Superior, WI 54880 -
American Family Insurance
WI -
State Farm
WI -
Farmers Insurance - Scott Prachar
4891 Miller Trunk Highway, #105, Hermantown, MN 55811 -
Nicholas Korhonen - American Family Insurance
10 N 21st St, Superior, WI 54880 -
Chad M Ricord - Farmers Insurance
4202 E Superior St, Duluth, MN 55804 -
State Farm
MN -
Deluxe Insurance Group
4515 East Superior Street, Duluth, MN 55804 -
Matt Thoreson - State Farm
2202 E 2nd St, Suite 607, Superior, WI 54880 -
Keith V MacDonald - Farmers Insurance
5237 Miller Trunk Hwy, Hermantown, MN 55811 -
Laura Ronchi - American Family Insurance
2305 E 5th St, Superior, WI 54880
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Duluth
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $975 | −25% |
| Subaru Outback | Wagon | $985 | −24% |
| Tesla Model 3 | Midsize car | $1,350 | +4% |
| Subaru Forester | Small SUV | $965 | −26% |
| Honda Civic | Compact car | $1,460 | +12% |
| Toyota Corolla | Compact car | $1,370 | +5% |
| Jeep Wrangler | Midsize SUV | $1,055 | −19% |
| Mazda CX-5 | Small SUV | $1,090 | −16% |
| MINI Cooper | Subcompact car | $980 | −25% |
| Tesla Model Y | Midsize SUV | $1,215 | −7% |
Car insurance in nearby Minnesota cities
- Brooklyn Park $1,450/yr · 129 mi
- St. Paul $1,495/yr · 134 mi
- Woodbury $1,455/yr · 135 mi
- Minneapolis $1,535/yr · 137 mi
- Plymouth $1,435/yr · 137 mi
- Bloomington $1,430/yr · 146 mi
- Rochester $1,340/yr · 191 mi
All Minnesota cities and state rules · Homeowners insurance in Duluth
Frequently asked questions
How much is car insurance in Duluth, MN?
We estimate full coverage in Duluth at about $1,300 a year ($109 a month) for a driver in their 30s with a clean record, and about $465 for Minnesota's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Duluth cheaper than the Minnesota average?
Our Duluth estimate is 3% lower than the statewide figure. The model reflects a population density of 1,228 people per square mile (the typical Minnesota resident lives at about 617) and an average commute of 17.3 minutes versus 22.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Duluth?
Drivers in Duluth follow Minnesota law: at least 30/60/10 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Duluth has the cheapest car insurance?
Among Duluth's 9 ZIP codes, 55803 has the lowest estimate (about $1,165 a year for full coverage) and 55805 the highest (about $1,405), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Duluth?
An 18-year-old with their own full-coverage policy would pay around $3,580 a year in Duluth by our estimate ($1,275 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Duluth?
FEMA's National Risk Index does not rate St. Louis County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Duluth?
We list 29 insurance offices in and around Duluth, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Minnesota Department of Commerce: Auto Insurance Guide
- Minnesota Statutes 65B.51 (tort action limitations)
- Minnesota Statutes 169.792 (proof of insurance for reinstatement)
- Minnesota Rules 7409.0100 (certificate of insurance)
- Minnesota Department of Commerce: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Duluth and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places