Best Duluth, MN Auto Insurance in 2025 (Top 10 Ranking Companies!)

Choosing the best Duluth, MN auto insurance provider involves considering cost, customer feedback, and dependability. Three insurers stand out based on these factors: State Farm, Progressive, and Allstate.

Duluth’s auto insurance market is competitive, with State Farm offering the lowest full coverage and Liberty Mutual being the most expensive. Several providers offer minimum coverage between $34 and $45, so your decision depends on coverage details, discounts, and service quality.

Our Top 10 Company Picks: Best Duluth, MN Auto Insurance

State Farm, Progressive, and Allstate offer bundling discounts of up to 25%. State Farm is the cheapest at $70 a month, Progressive offers strong digital tools at $102, and Allstate provides reliable service at $162.

Read more:

• State Farm Auto Insurance
• Progressive Auto Insurance
• Allstate Auto Insurance Review

Are you interested in the data on the top 10 best Duluth auto insurance options? Get free MN auto insurance quotes by using our free tool today!

#1 – State Farm: Top Pick Overall

Pros

• Affordable Coverage: It offers competitive rates, with basic coverage starting at $70 a month, making it one of the most affordable options for Duluth drivers.
• Local Support: Strong customer support is provided with a large network of local agents in Duluth.  (Read More: State Farm Car Insurance Review & Ratings)
• Discounts Available: State Farm in Duluth, MN, offers discounts for safe driving, multi-car, and good student policies.

Cons

• Increased Rates for High-Risk Drivers: Rates can increase for high-risk drivers, such as those with DUIs or multiple accidents.
• Limited Telematics Programs: Limited telematics programs for premium discounts.

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#2 – Progressive: Best for Cheap Rates

Pros

• Telematics Discounts: Progressive’s Snapshot program offers discounts for safe driving habits, saving up to 30%.
• Competitive Rates: Allstate Duluth, MN, offers competitive rates starting at $102 monthly for full coverage.
• Bundling Options: Numerous discounts for bundling auto and home insurance.  (Read More: Progressive Car Insurance Review & Ratings)

Cons

• Higher Premiums for High-Risk Drivers: Higher premiums are for young and high-risk drivers.
• Customer Service: Customer service can be less responsive compared to local insurers.

#3 – Allstate: Refined Personalized Service

Pros

• Safe Driver Rewards: Allstate’s Drivewise program offers discounts of up to 40% for good driving habits.
• Bundling Discounts: Competitive bundling discounts of up to 25%.
• Military Discounts: Exclusive military discounts for veterans and active-duty members. (Learn More: Allstate Insurance Review & Ratings)

Cons

• High Premiums: Starting rates of $ 162 per month make it one of the more expensive options.
• App Requirement: The Drivewise app is required for the best savings, which may not be suitable for privacy-conscious drivers.

#4 – Farmers: Flexible Coverage in Duluth, MN

Pros

• Comprehensive Coverage Options: Farmers provides various coverage options, including rideshare and new car replacement coverage.
• Discounts for Bundling: Farmers Insurance in Duluth, MN, provides generous discounts for bundling policies.
• Multi-Policy Discount: Offers up to 25% off for multi-policy bundling. (Read More: Farmers Insurance Review & Ratings)

Cons

• Higher Premiums: Premiums are generally higher than budget-friendly options like Geico.
• Limited Local Network: Duluth has a Limited local agent network compared to other providers.

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#5 – Liberty Mutual: Best for Its Online Tools

Pros

• Customizable Coverage: This offers extensive customization, including gap insurance for drivers with financed or leased cars.
• Strong Digital Tools: Strong digital tools for managing policies and claims.
• Military Discounts: Military discounts are available for active-duty members and veterans. (Read More: Liberty Mutual Insurance Review & Ratings)

Cons

• Most Expensive Coverage in Duluth: At $155 per month for minimum coverage, it’s one of the costliest options in Duluth.
• Better for Tech-Savvy Users: Limited in-person support makes it less suitable for those who prefer face-to-face service.

#6 – Nationwide: Vanishing Deductible

Pros

• Affordable for High-Risk Drivers: Competitive rates start at $89 monthly for full coverage. (Read More: Nationwide Insurance Review & Ratings)
• Vanishing Deductible: Offers the Vanishing Deductible program to reduce deductibles by $100 annually.
• Comprehensive Coverage: Provides a wide range of coverage options.

Cons

• Limited Local Presence: Duluth has a Limited local agent presence compared to other providers.
• Higher Rates for Young Drivers: Higher rates for young drivers and those with limited driving history.

#7 – Geico: Competitive Pricing

Pros

• Low Premiums: It offers some of the lowest premiums in the region, starting at $92 a month.
• Bundling Discounts: Discounts are available for bundling auto and home policies.
• Digital Management Tools: Strong mobile app and digital tools for managing policies. (Read More: Geico Insurance Review & Ratings)

Cons

• Impersonal Customer Service: Customer service may not be as personalized as local providers.
• Limited Customization: It may not offer as many customizable coverage options as other insurers.

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#8 – American Family: Trusted Local Agents

Pros

• Teen Safe Driver Program: Provides discounts for teen drivers using an app to monitor safe habits.
• Strong Bundling Discount (25%): Significant savings when combining multiple policies.
•  Generational Discount: Rewards long-term customers and families with policies spanning multiple generations. (Read More: American Family Car Insurance Review & Ratings)

Cons

• Higher Rates for High-Risk Drivers: Higher premiums for high-risk drivers compared to some competitors.
• Limited Telematics Discounts: Fewer telematics-based discounts compared to providers like Progressive.

#9 – Travelers: Good Claims Handling

Pros

• IntelliDrive Program: Drivers can earn up to 30% off through behavior-based tracking with the IntelliDrive app.
• Premier Responsible Driver Plan: This offers long-term accident-free driver benefits from rate protection and accident forgiveness.
• Affinity Group Discounts: Special savings are available for members of certain professions and employer groups. (Read More: Travelers Insurance Review & Ratings).

Cons

• Not the Cheapest for Minimum Coverage: Liability-only plans are pricier than State Farm and Geico.
• No Instant Online Quote Option: Contacting an agent to receive pricing limits online is inconvenient.

#10 – Auto-Owners: Professional Customer Service

Pros

• Teen Safe Driver Program – Provides discounts for teen drivers using an app to monitor safe habits. (Read More: Auto-Owners Insurance Review & Ratings)
• Substantial Bundling Discount (25%) – Significant savings when combining multiple policies.
• Generational Discount – Rewards long-term customers and families with policies spanning multiple generations.

Cons

• Limited Telematics Discounts: May not offer as many telematics-based discounts as other providers.
• Few Local Offices: Fewer local agent offices in Duluth compared to competitors like State Farm.

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Auto Insurance Rates From the Top Providers in Duluth, MN

Minimum coverage typically includes only the state-required liability insurance, which covers damages or injuries you cause to others. It’s ideal for drivers with older vehicles or limited budgets. Based on monthly affordability, we ranked the top 10 auto insurance providers in Duluth, MN.

Duluth, MN Auto Insurance Monthly Rates by Provider & Coverage Type

Full coverage includes liability, collision, comprehensive insurance, protection against accidents, theft, weather, and more. It’s recommended for newer or financed vehicles.

Read More: Compare Auto Insurance Companies

Auto Insurance Discounts for Duluth, MN Drivers

Finding affordable auto insurance in Minnesota requires considering more than coverage—discounts can significantly reduce costs.

Top auto insurance providers in Duluth, MN offer significant discounts for bundling, safe driving, and maintaining multiple vehicles on a policy.

Auto Insurance Discounts From the Top Providers in Duluth, MN

Nationwide gives up to 40% off for good drivers, while Farmers offers 30%, making driver behavior a key factor in premium reductions.

Auto insurance providers offer discounts for safe driving, telematics use, bundling, continuous coverage, and good student status.

Allstate, Liberty Mutual, and Auto-Owners reward safe drivers, while Progressive, Nationwide, and Travelers use telematics to adjust rates. State Farm, American Family, and Farmers offer savings through multi-policy and student discounts.

How To Find Affordable Auto Insurance in Minnesota

Duluth drivers seeking affordable full coverage auto insurance in Minnesota can save through discounts like multi-policy bundles and safe-driving programs.

• Compare multiple providers: Rates vary, so shop around for the best deal based on your needs
• Maintain a clean driving record: Safe driving often leads to lower premiums.
• Review your coverage options: Adjust coverage to suit your vehicle’s age and value.
• Consider a higher deductible: This can lower your premium if you’re comfortable with more out-of-pocket costs.
• Check for local programs: Explore options like low-income insurance or government programs for further savings.

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Auto Insurance Coverage Requirements in Minnesota

Unlike most states, Minnesota requires Uninsured Motorist and Medical Payments coverage—protections that cover your medical costs if an uninsured driver injures you.

Auto Insurance Coverage Requirements in Minnesota

While the state average is $128 a month, Duluth drivers can find rates as low as $40 monthly.

Read More: Minimum Auto Insurance Requirements

The Best Auto Insurance in Duluth, Minnesota

Find the best auto insurance in Duluth, Minnesota, for coverage and savings.

Best Auto Insurance in Duluth, MN

Farmers, State Farm, and Allied offer cost-effective coverage to attract more customers. If you’re considering switching, research their customer service—not just their low rates. The Reddit post below seeks the cheapest auto insurance, highlighting the growing demand for affordable options in Duluth.

What’s the cheapest auto insurance in MN? Is it here in MN higher than surrounding states?
byu/jdge90 inminnesota

Best Auto insurance rates in Duluth, MN, depend on gender, accident history, vehicle type, driving experience, and current coverage limits. Premiums vary by provider, so compare quotes online to ensure you’re still getting the lowest rate.

Significant Factors in the Best Auto Insurance in Duluth, Minnesota

When auto insurance agents in Duluth, MN prepare your policy, they consider factors like age, location, driving history, vehicle type, and credit score. While some factors, like age, are fixed, others can be adjusted to lower premiums. Understanding these elements can help you find the best rates.

Your ZIP Code

Auto insurance rates often depend on where you live. Densely populated cities typically have higher rates due to increased accident risk. Duluth has a population of 86,128 and an average household income of $42,176.

Auto Insurance by ZIP Code

To receive auto insurance rates for Duluth, MN, use State Farm’s free tool to get instant rates, compare coverage, and explore affordable options.

Higher rates in Duluth may reflect its population density and potential for accidents.

Automotive Accidents

Duluth’s fatal accident rate is low, especially considering its population. Auto insurance providers offer lower rates in areas with fewer accidents, with no effort required on your part.

Fatal Accidents in Duluth, MN

By following safe driving practices, such as obeying speed limits, avoiding distractions, and staying alert, you can help keep these rates low and reduce your insurance premiums.

Auto Thefts in Duluth

Low-cost auto insurance can be tough if you’re at risk for auto theft. Specific car models and vehicles left in large cities are often targeted. In 2013, Duluth had 156 stolen cars, showing a slow decline.

Basic vs. Comprehensive Auto Policy Rates by Top Insurance Companies in Duluth, MN

To save, consider raising your comprehensive coverage deductible if theft isn’t a significant concern.

Your Credit Score

You’ll likely get a lower rate if you have an excellent credit score. However, those with lower credit scores will face higher costs.

Licensed Insurance Agent

Insurance Company	Good Credit	Fair Credit	Poor Credit
	$203	$245	$300
	$131	$160	$200
	$177	$210	$250
	$282	$340	$400
	$177	$210	$250
	$245	$290	$350
	$109	$130	$160
	$189	$225	$270
	$125	$150	$180
	$132	$160	$190

Teens and young adults can lower costs through Driver’s education and Good Student discounts, helping them get the best Duluth, MN auto insurance.

Duluth, MN Auto Insurance Monthly Rates by Age and Gender

Insurance Company	Age: 17 Female	Age: 17 Male	Age: 25 Female	Age: 25 Male	Age: 35 Female	Age: 35 Male	Age: 60 Female	Age: 60 Male
	$203	$220	$203	$220	$203	$220	$203	$220
	$131	$140	$109	$115	$109	$115	$109	$115
	$177	$185	$177	$185	$177	$185	$177	$185
	$282	$290	$282	$290	$282	$290	$282	$290
	$177	$185	$177	$185	$177	$185	$177	$185
	$245	$250	$245	$250	$245	$250	$245	$250
	$109	$115	$109	$115	$109	$115	$109	$115
	$189	$195	$189	$195	$189	$195	$189	$195
	$125	$130	$125	$130	$125	$130	$125	$130
	$132	$135	$132	$135	$132	$135	$132	$135

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Younger individuals can benefit from Driver’s Education and Good Student discounts.

Your Driving Record

Serious violations, like DUIs, can raise your rates or even result in dropped coverage. Minor tickets can also be costly, but some providers offer accident forgiveness for drivers with imperfect records.

Driving Violations in Duluth, MN

Violation	Fine Amount
Speeding (1–10 mph over limit)	$40
Speeding (11–14 mph over limit)	$50
Speeding (15–19 mph over limit)	$60
Speeding (20–25 mph over limit)	$140
Speeding (26–30 mph over limit)	$200
Speeding (31+ mph over limit)	$300
Reckless Driving	$100
Careless Driving	$100
Driving Under the Influence (DUI)	Varies
Driving Without a License	$185
Driving Without Insurance	$200
Seat Belt Violation	$25
Child Restraint Violation	$50
Texting While Driving	$135
Failure to Yield	$50
Failure to Stop for School Bus	$500
Driving Without Proof of Insurance	$200

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There are options for securing coverage after a DUI. Some providers offer specialized policies for high-risk drivers, although these often have significantly higher rates.

Your Vehicle

It is not automatically more expensive to buy insurance for a luxury vehicle.

Duluth, MN Auto Insurance by Make & Model

Make and Model	Monthly Rate
Audi Q5	$254
BMW 330i	$273
Cadillac Escalade	$311
Chevrolet Silverado	$222
Dodge Challenger	$305
Dodge Ram 1500	$227
Ford Escape	$201
Ford F-150	$246
Honda Odyssey	$132
Honda Pilot	$137
Honda CR-V	$148
Hyundai Tucson	$150
Hyundai Santa Fe	$150
Hyundai Elantra	$150
Jeep Grand Cherokee	$187
Jeep Wrangler	$187
Kia Sorento	$150
Kia Sportage	$150
Mazda CX-5	$150
Mazda CX-9	$150
Mazda3	$150
Nissan Rogue	$150
Nissan Murano	$150
Nissan Altima	$150
Ram 1500	$227
Subaru Outback	$148
Subaru Forester	$148
Tesla Model 3	$167
Tesla Model Y	$167
Toyota Tacoma	$148
Toyota Tundra	$148
Toyota Camry	$148
Volkswagen Golf	$150
Volkswagen Jetta	$150

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Still, when you add all the different types of coverage you will need and purchase them in high enough amounts to cover the cost of your vehicle, things start getting expensive.

Your Marital Status

Married couples often bundle their vehicle insurance policies to take advantage of the savings that Duluth, MN, auto insurance companies offer for this practice. You can also bundle insurance policies for RVs, motorcycles, or homeowners’ insurance..

Your Driving Distance to Work

Duluth residents’ commutes range from 10 to 23 minutes. About 75% drive to work daily, 4% to 18% carpool, and less than 5% take the bus.

For the best Duluth, MN auto insurance, using your car for personal commutes under 23 minutes and avoiding business use can help keep premiums lower.

Daniel Walker Licensed Insurance Agent

Ensure your vehicle is for personal use, as business vehicles cost at least 10% more to insure. Reducing your annual mileage for discounts requires cutting thousands of miles, offering only a 3-4% reduction.

Your Coverage and Deductibles

The deductible is the amount you pay upfront for your insurance claim. A low deductible increases premiums, but raising it lowers your monthly payment by sharing more financial responsibility.

Higher deductibles reduce premiums but increase out-of-pocket costs in case of a claim.

Education in Duluth, MN

Most drivers in Duluth have a high school education, and 20% hold a college degree. This group may qualify for lower auto insurance rates as providers offer discounts for higher education levels. Check Progressive’s site to see if you qualify.

The largest institution is the University of Minnesota–Duluth, with nearly 12,000 students, while the College of St. Scholastica focuses on physical therapy and nursing. Duluth Business University is also a solid choice for office-oriented careers.

Insurance companies have an advantage over shoppers due to their research and experience. You can also use online comparison tools to learn what they may not want you to know.

To secure the best auto insurance in Duluth, MN, focus on comparing rates, available discounts, and your driving record. Compare auto insurance rates from top Duluth, MN providers by entering your ZIP code to see how much you can save.

Sources:

Minnesota Department of Commerce – Insurance Division

Minnesota Department of Commerce – Banking & Finance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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Frequently Asked Questions

Who offers the best auto insurance coverage?

The best auto insurance coverage depends on individual needs. Companies like Progressive, State Farm, Allstate, and Farmers consistently rank high for coverage options, customer service, and claims handling. Comparing multiple providers is essential if you’re looking for cheap insurance with good coverage. Full-coverage insurance typically includes liability, comprehensive, collision, uninsured motorist, and personal injury protection.

Who has the cheapest car insurance in Minnesota?

Cheap car insurance in the MN market varies, but State Farm, Auto-Owners, and Nationwide often provide the most affordable rates. In areas like Duluth, MN, or the Twin Cities, rates may differ based on driving history, age, and vehicle type. Comparing auto insurance quotes in Duluth remains the best strategy for securing the lowest price.

What is the average cost of auto insurance in Minnesota?

The average cost of cheap car insurance in Minnesota is about $1,400 per year ($117 per month) for complete coverage and around $600 per year ($50 per month) for minimum coverage. Rates vary based on age, credit score, and driving history.

Is Allstate a good insurance company?

Allstate is a reputable insurance company known for offering various coverage options and discounts and having a strong financial standing. However, it is often pricier than competitors, making it less appealing for those seeking cheap car insurance in Duluth, MN. Customer reviews on claims satisfaction are mixed, so it’s best to compare providers.

What car insurance is required in Minnesota?

In Minnesota, drivers are required to carry the following car insurance coverage:

• Liability insurance: $30,000 per person / $60,000 per accident for bodily injury, and $10,000 for property damage.
• Personal Injury Protection (PIP): Minimum of $40,000 per person.
• Uninsured/Underinsured Motorist Coverage: $25,000 per person / $50,000 per accident.

How do you get the most affordable car insurance?

To get the most affordable car insurance, compare quotes from multiple insurers, maintain a clean driving record, take advantage of discounts (safe driver, multi-policy, good student), raise your deductible (if financially feasible), and drive a car with lower insurance risk.

Is Minnesota a no-fault insurance state?

Yes, Minnesota is a no-fault state, meaning each driver’s insurance covers medical expenses regardless of fault. This requirement influences premium costs, so those searching for affordable auto insurance in MN should compare different providers to find the most budget-friendly option.

What factors affect auto insurance rates in Duluth, MN?

Auto insurance rates in Duluth, MN depend on factors like age, driving history, vehicle type, and credit score. Clean records, newer cars, and higher credit scores often lead to lower premiums. Discounts for bundling or safe driving can also reduce costs.

Read More: Factors that Affect Your Car Insurance Premium

Why is Minnesota insurance so expensive?

Car insurance in Minnesota is costly due to factors like no-fault insurance laws, which require insurers to cover medical expenses regardless of fault. Another is the harsh winter weather, leading to more accidents and claims, high rates of uninsured drivers, and urban congestion in cities like Minneapolis-St. Paul. Paul, increasing accident risks.

Which car insurance is better, State Farm or Allstate?

State Farm Insurance in Duluth, MN offers lower rates, better customer service, and easier claims processing, while Allstate Insurance provides more coverage options but is often more expensive. If affordability and customer satisfaction matter most, State Farm is better. Enter your ZIP code into our free comparison tool to get started.