Duluth, MN Car Insurance

Your Complete Car Insurance Guide for Duluth

Find the right car insurance policy for you.


Duluth, MN is a port city located on the north shore of Lake Superior at the westernmost point of the Great Lakes. Along with neighbor Superior, Wisconsin, it makes up the largest Great Lakes port essential to transporting coal, iron ore, and grain. 

Duluth is popular with tourists, and has become a regional center for banking, retail, and medical care for parts of Minnesota, Wisconsin and Michigan. 

No matter where you live or work in Duluth, you need car insurance. And no one is better suited to help you than a Trusted Choice® Independent Insurance Agent.

Our local agents will assess the unique risks you face, and your agent will work hard to find you a Duluth car insurance policy that meets your needs while staying within your budget. 


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Cost of Car Insurance in Duluth 

Did You Know? The average cost of Duluth car insurance is $149 per month.

You may think car insurance costs a lot, but it doesn’t have to. Car coverage should be completely personalized, taking into account your vehicle's age, model and average annual mileage. 

If your rates seem high, it may be because of some of your individual risk factors. And it’s also possible that you simply need to shop around. 

A Trusted Choice agent will get to know you, and can offer multiple coverage options so you can make the best choice for your needs and budget. 

What does Duluth car insurance actually do for me? 

Your state-mandated liability coverage can help you pay for any medical bills or necessary car repairs if you are in an accident. But a bigger accident can easily surpass these limits, which is why you should consider talking through your options with a Trusted Choice agent.

Your agent can help you understand all of the coverage you may need, including optional comprehensive and collision coverage that helps you pay for damage to your own car. 

And an independent agent can make sure your coverage limits offer the best protection for you and your family. 

  • Bodily Injury Liability: $30,000 per person, $60,000 per accident required
  • Property Damage Liability: $10,000 required
  • Personal Injury Protection (PIP): $40,000 required

Who pays if the accident wasn’t my fault?

The driver who caused the accident, of course. Approximately 10.8% percent of Minnesota drivers are uninsured.

The problem is: sometimes people drive without any insurance. They drive without a financial back-up plan for accidents. That's where “uninsured motorist coverage” comes in. If you are hit by an uninsured driver, this insurance coverage will pay to fix your vehicle and handle your medical bills. 

If you have uninsured motorist coverage, your insurance company will pay for your covered damage and expenses (up to the policy limits), and may attempt to collect compensation from the offending driver, as well. Some states require drivers to purchase a minimum amount uninsured motorist coverage. 

Minnesota does require you to have uninsured motorist coverage. 

What affects the cost of Duluth auto insurance?

Monthly auto insurance premiums can range from less than $50 to hundreds of dollars. The average car insurance payment you might expect to pay will be based on: 

  • Your age
  • Where you live
  • Your driving history
  • The kind of car you drive
  • The number of cars and drivers in your household

The type of car you drive is one of the biggest factors in the cost of Duluth auto insurance.

Expensive sports-car drivers will pay more for car insurance than used mini-van drivers. The sports car is likely a bigger target for thieves, and it is probably more expensive to repair, too. 

If you really want to lower your car insurance rates, stick to a modest vehicle that is not likely to be stolen and is cheaper to repair. 


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

More City Factor That Will Affect Your Rate:

Commute Time

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. Duluth drivers spend less time on the road than most, which can help keep insurance rates relatively low.

  • National average: 25.4 minutes
  • Duluth average: 16.3 minutes

Number of Auto Thefts in Duluth

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Albany: 1.75 

Duluth cars are safe from theft compared to the U.S. overall. For this reason, Duluth drivers may enjoy lower car insurance rates. 

But no matter where you live, your car can be stolen. Drivers everywhere need to take steps to protect their cars from thieves and vandals. Always be aware of your surroundings and be sure to park your vehicle in safe, well-lit areas. Keep your car locked at all times, even in your own driveway. 

If you drive a car with an anti-theft device, be sure to ask your Trusted Choice agent if you are eligible for an additional discount on your auto insurance. 

Find Affordable Car Insurance in Duluth

Duluth car insurance can be affordable, especially if you do your homework and work with a local, independent agent. 

Because Trusted Choice Independent Insurance Agents aren't tied down to one carrier, they can get quotes from numerous insurance companies and offer you a variety of policy options. 

Our agents will work closely with you to assess your risks and answer your questions. We proudly offer quality, affordable car insurance to Duluth residents. 

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