Average car insurance cost in Duluth, Minnesota

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Drivers in Duluth pay $2,471 per year for full coverage car insurance – which is $120 less than the state average and $107 less than the national average. Travelers offers the lowest average rate at $1,804, but your actual premium depends on factors like your age, driving record, and coverage level.

Where you live plays a bigger role than most drivers expect. Insurers price risk by ZIP code, so local factors – traffic density, accident and theft rates, repair costs, weather, and the share of uninsured drivers on the road – all feed into what you pay in Duluth. That’s why two drivers with identical records can pay very different rates depending on which side of a city line they live on.

Here’s how Duluth’s average premium stacks up against Minnesota and national rates:

How much car insurance do you need in Duluth?

Duluth law requires liability coverage for you to legally hit the road, but full coverage gives you stronger protection because it pays for your own car, not just the other driver’s.

Liability only covers damage you cause to others. Without full coverage, an accident, theft, or falling tree branch means you pay for your own car’s damage. Here’s what each coverage level costs per year and what it includes:

• State minimum coverage: $802 per year – Limits of $25,000 bodily injury per person, $50,000 total bodily injury per accident, $25,000 property damage. The lowest coverage level allowed by law.
• Liability only coverage: $854 per year – Limits of $50,000 bodily injury per person, $100,000 total bodily injury per accident, $50,000 property damage. Pays for others’ injuries and property damage when you’re at fault but doesn’t cover your own vehicle.
• Full coverage: $2,471 per year – Limits of $100,000 bodily injury per person, $300,000 total bodily injury per accident, $100,000 property damage. Combines liability with collision and comprehensive, so your own car is covered too.
• Non-owners coverage: $328 per year – Liability coverage for people who drive but don’t own a car.

What are the cheapest car insurance companies in Duluth?

Travelers beats every insurer when it comes down to price for full coverage car insurance in Duluth, at $1,804 per year. Auto Club Group (AAA) ranks second at $1,893 per year. Rates are based on limits of $100,000 bodily injury per person, $300,000 per accident, and $100,000 property damage.

Rates differ by company, so comparing quotes from multiple providers is the best way to find a rate that fits your budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Duluth.

Do men or women pay more for car insurance in Duluth?

In Duluth, male drivers pay $2,488 per year for full coverage car insurance – $35 more than female drivers, who average $2,453 per year.

Most states permit insurers to price policies by gender. California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania are exceptions that ban the practice.

Data from the Insurance Information Institute (Triple-I), a nonprofit that researches insurance trends, shows women drive more cautiously and cause fewer serious accidents than men. That risk gap is why insurers charge men more.

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How does age affect car insurance rates in Duluth?

Teen drivers pay the most for car insurance in Duluth, with an annual rate of $6,976 per year, or $581 per month. Rates fall as drivers gain experience – young adults ages 20 to 24 pay $3,869 per year, adults 25 to 55 pay $2,442 per year, and seniors 60 to 75 pay $2,365 per year.

According to Insurance Institute for Highway Safety (IIHS), teen drivers — between the ages of 16 to 19 — have crash rates over 3 times those of drivers 20 and older per mile driven. Insurers factor this risk in, pushing teen car insurance rates higher.

Premiums drop as drivers gain experience, however. Young adults ages 20 to 24 pay $3,869 per year – 45% what teen drivers pay.

Below is a breakdown of average annual full coverage car insurance rates by age group.

How have car insurance rates changed in Duluth?

Duluth rates have moved in a upward direction since 2023 to 2025, climbing or falling by 37%, or $668.

If your own premium has been rising, shop around and confirm you’re not paying more than what other insurers charge.

The graph below tracks insurance costs from 2022 to 2025, showing the long-term trend behind today’s rates.

Methodology

Insure.com commissioned car insurance rates in 2026 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 65,756,440 auto insurance quotes collected in 2025 across 51 states, 29,159 cities and 34,595 zip codes. Quotes came from 195 insurance companies across 73 company groups, giving a national average annual premium of $2,578.

Each quote reflects a 40-year-old male and female driver with a Honda Accord LX, no violations and a good insurance score, driving 10,000 miles a year with a 12-mile daily commute. Coverage includes:

• 100/300/100 liability limits (up to $100,000 per person and $300,000 per accident for bodily injury, and $100,000 for property damage)
• $500 deductible for collision and comprehensive

The quoted insurance rates are for comparison purposes, and your rates may vary.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.