Average renters insurance cost in Duluth, Minnesota

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The average cost of renters insurance in Duluth, Minnesota is $223 per year – $5 more than the state average of $218 annually.

A renters insurance policy protects your personal belongings from events like fire, smoke, theft, and vandalism, and provides liability coverage if you’re found responsible for injuring someone or damaging their property.

Your rate will vary based on the insurer you choose, your deductible, coverage limits, ZIP code, and the discounts available to you.

How to get the best deal for renters insurance in Duluth

Request quotes from at least three different insurers – pricing varies significantly, and the savings from switching can reach hundreds of dollars a year.
Combine your renters policy with your auto or another insurance policy at the same company to qualify for a bundling discount.
Consider raising your deductible from $500 to $1,000 – it can reduce your annual premium by $13.
Inquire about discounts for home safety features like deadbolts, smoke alarms, or a monitored security system.
Opt to pay your premium annually rather than monthly – most insurers reward this with a lower rate.

What is the average cost of renters insurance per month in Duluth?

Renters insurance costs in Duluth depend on both your insurer and the coverage level you choose. The average monthly rate for a policy with $20,000 in personal property coverage and a $1,000 deductible is $14.

Stepping up to $40,000 in personal property coverage adds roughly $5 more per month, bringing the typical premium to $19 – which includes $40,000 in personal property coverage, $100,000 in liability protection, and a $1,000 deductible. That’s $1 more than the state average of $18.

Key takeaways

Renters insurance protects your personal belongings and provides liability coverage within your rental
The average annual cost of renters insurance in Duluth is $223
Auto Club Group – ACG (AAA) has the most competitive rates in the city
Your premium is influenced by your insurer, coverage limits, ZIP code, and available discounts
If you own valuable items like jewelry, electronics, or furniture, higher coverage limits are worth considering

How much is renters insurance in Duluth? Rates by deductible

A policy with a $500 deductible and $20,000 in personal property coverage costs an average of $181 per year in Duluth.

Your deductible is the amount you pay out of pocket before your coverage kicks in. Raising it is one of the simplest ways to reduce your premium – going from $500 to $1,000 can trim $13 from your annual bill.

The table below breaks down renters insurance premiums by personal property coverage amount and deductible.

Deductible	Rates with $20,000 personal property	$40,000 personal property	$60,000 personal property
500	$181	$242	$302
1000	$168	$223	$278

Who offers affordable renters insurance in Duluth?

Auto Club Group – ACG (AAA) is the most affordable option in Duluth, with average rates of $121 per year or $10 per month. State Farm ranks second, with Secura Insurance close behind.

The table below lists the most affordable renters insurance companies in Duluth along with their average annual and monthly premiums.

Renter insurance provider	Average annual rate	Average per month rate
Auto Club Group – ACG (AAA)	$121	$10
State Farm	$162	$14
Secura Insurance	$166	$14
Allstate	$175	$15
Auto-Owners	$203	$17
North Star Mutual	$233	$19
American Family	$283	$24
Farmers	$320	$27
Country Financial	$341	$28

How to lower the cost of renters insurance

You can lower the cost of renters insurance by shopping around, bundling policies, and going for a higher deductible.

Bundle policies. Grouping your renters policy with your auto or other insurance at the same company can lower what you pay across the board.
Increase your deductible. Choosing a higher deductible brings your premium down immediately – just be certain the amount is something you could manage out of pocket following a claim.
Choose the right coverage amount. Revisit your coverage limits annually. If your personal belongings haven’t grown in value, you may be spending more on personal property coverage than necessary.
Avoid filing small claims. Repeated small claims can cause your rates to climb faster than one large claim would. For minor incidents, absorbing the cost yourself often makes more financial sense.
Improve your credit score. Credit scores influence insurance pricing in most states – a higher score is one of the clearest ways to bring your premium down over time.
Compare quotes every renewal. Rates evolve year to year, and loyalty doesn’t always pay. Setting aside 30 minutes to shop around at renewal can save you a meaningful amount annually.

Renters insurance replaces belongings that are stolen or damaged, and covers your financial exposure when you’re liable for someone else’s loss. Comparing providers and claiming every discount you qualify for are the most reliable ways to keep your premium in check.

Frequently asked questions

Is renters insurance required in Duluth?

No state law requires it, but individual landlords often do. Beyond lease requirements, it’s a practical safeguard – it protects your belongings and covers you if someone is injured in your home.

What does renters insurance cover?

Renters insurance covers personal belongings damaged or stolen in a covered event, liability costs if you’re found responsible for injury or property damage, and temporary accommodation expenses if your rental becomes uninhabitable.

How much renters insurance do I need?

Start with enough to fully replace your possessions. If you own high-value items – electronics, jewelry, or specialty equipment – consider bumping up your limits or adding scheduled coverage for individual items.

Who has the cheapest renters insurance in Duluth?

Auto Club Group – ACG (AAA) has the lowest average rates in Duluth, coming in at $10 per month.

Methodology

Insure.com worked with Quadrant Information Services to compile renters insurance rate data for Duluth, using a policy with $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible. All rates are based on a good credit tier profile.

How much is renters insurance in other cities?

See rates in your city

Minneapolis

Rochester

St. Paul

Alisha Ambre

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.