How Much Does Auto Insurance Cost in Duluth, MN?
Duluth pricing is 12% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Duluth's diversified economy.See our methodology
Auto Insurance Pricing in Duluth, MN
Duluth is one of the more affordable markets for auto insurance, with costs running about 12% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 90K-population metro area is straightforward.
Local climate plays a direct role in auto insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in Duluth: moderate cost of living keeps contractor rates affordable.
Duluth has moderate permitting requirements. Depending on the scope of your auto insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Duluth vs National Average
What Affects Auto Insurance Cost in Duluth?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
Duluth Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
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Top-Rated Auto Insurance Pros in Duluth, MN
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Tips to Save on Auto Insurance in Duluth
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance in Duluth Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $134 | — |
| 2021 | $140 | +4.5% |
| 2022 | $149 | +6.4% |
| 2023 | $153 | +2.7% |
| 2024 | $158 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Auto Insurance in Duluth
Recent Reports
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
Why does auto insurance cost different in Duluth than other cities?
Duluth's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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