Cheapest Auto Insurance in Duluth, Minnesota (2025)

Drivers in Duluth pay an average of $116 per month for car insurance, which is much less than the state average of $131 and the national average of $143. Duluth has a relatively low population density and Minnesota has a slightly lower cost of living than the national average, which may explain why Duluth residents benefit from lower rates.

Here’s what you need to know about finding cheap car insurance in Duluth.

3 of the cheapest car insurance companies in Duluth

Insurance rates vary by company, so it’s essential to compare quotes and coverage options from multiple insurers if you’re looking for a new auto insurance policy in Duluth. Premiums will vary depending on factors like your driving record, age, gender, and insurance coverage needs.

The insurance companies below offer some of the cheapest car insurance premiums for Duluth drivers. The rates below reflect the average cost of coverage in Minnesota. Start your search below to find the right policy for you.

Best insurer for cheap rates: Safeco

Best insurer for discounts: Liberty Mutual

Best insurer for farmers and ranchers: State Auto

How to get the cheapest car insurance in Duluth

Several factors affect the cost of your car insurance in Duluth, including your driving history, age, gender, credit score, and coverage needs. You don’t have much control over some of these factors, but taking steps to improve your credit and driving safely can help you save money.

Here are some strategies for finding cheap auto insurance:

• Compare companies. One of the best ways to search for cheap coverage is to compare rates and coverage offerings from different companies. Insurance rates vary, so getting quotes can help you get the best coverage.

• Research discounts. Available discounts also vary across companies, so comparing options can help you find discounts applicable to your situation. For instance, you can look into bundling multiple insurance products, such as homeowners insurance, renters insurance, business insurance, or life insurance, with your auto coverage for additional savings.

• Consider a telematics program. Many insurers offer telematics programs, which can help you earn a discount for installing a device in your vehicle and maintaining safe driving habits.

Cheapest liability-only car insurance in Duluth: State Farm

Liability-only car insurance offers basic protection. It covers you if you injure someone else on the road or damage another’s vehicle or property, but it doesn’t provide protection for financial losses you experience. 

Liability coverage in Duluth costs an average of $82 per month. Below are the insurers offering the most affordable coverage.

Cheapest full-coverage car insurance in Duluth: State Farm

Full-coverage car insurance — which typically includes liability, collision, and comprehensive coverage — gives you more financial protection than liability-only insurance. If you have an auto loan or lease, your lender may require you to purchase this type of policy. Drivers with newer vehicles and people who want additional coverage can benefit from a full-coverage policy.

Duluth drivers pay an average of $149 per month for full-coverage insurance. You can find affordable full-coverage insurance from the following companies.

Car insurance requirements in Minnesota

Minnesota is a no-fault state, which means drivers must maintain personal injury protection (PIP) coverage in addition to basic liability coverage.3

PIP coverage, also called no-fault insurance, protects you if you have a car accident and you or your passengers need medical attention. In addition to medical bills, it can cover other financial losses or funeral costs.

Here’s a look at the minimum car insurance requirements in Minnesota:4

Opting to buy additional coverages can give you added financial security in the event of a car accident. Consider the following common car insurance add-ons:

Cheapest car insurance for drivers with an incident

People with one or more past incidents on their driving records typically pay higher insurance rates. These incidents include at-fault accidents, speeding tickets, driving under the influence charges, and other moving violations.

Rates tend to increase after these incidents because insurance companies view these drivers as higher risk or more likely to file claims. On average, Duluth drivers with a past incident pay $61 per month for liability insurance.

Below are some of the most affordable coverage options for drivers in Duluth with an incident on their records.

Average cost of car insurance by age

Your age will also affect the cost of your car insurance. Insurance rates are generally the highest for teenagers and young drivers, but costs tend to decrease steadily for drivers between 35 and 70.

New drivers are statistically more likely to have car accidents, which means their insurance costs more. Likewise, insurance companies may view senior drivers as a higher risk to insure due to aging-related risk factors.

Here’s how insurance costs compare by age of drivers in Duluth.

Duluth car insurance quotes by credit tier

Your credit history can also affect your auto insurance costs in Minnesota. People with excellent or good credit scores are likely to earn lower car insurance costs than drivers with poor credit scores. If you’re unsure about your credit history, consider reviewing your reports and scores before applying for new auto coverage.

Here’s how much Duluth drivers pay for full-coverage insurance by credit tier.

Duluth car insurance FAQs