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

Minnesota auto insurance requires drivers to carry a minimum coverage of 30/60/10. If you are searching for the best Duluth, MN auto insurance, several companies offer competitive rates, including State Farm, Progressive, and Allstate.

Duluth, MN, drivers have solid auto insurance options. Our top pick is State Farm for its extensive discounts, offering full coverage at $70/month. Meanwhile, Progressive provides competitive rates at $102/month, while Allstate excels in customer service at $162/month for those valuing multiple coverage options.

However, choosing the right provider depends on various factors, such as bundling discounts, coverage flexibility, and customer service. The table below provides a comparison of our chosen best Duluth auto insurance companies to assist you in your decision-making process.

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

State Farm leads with discounts, while Progressive and Allstate offer affordability and service. With bundling discounts up to 25%, drivers can find cheap Minnesota auto insurance by comparing such coverages, ratings, and company strengths.

Furthermore, finding the right auto insurance in Duluth, MN, starts with knowing your options on either cheap auto insurance in MN or full coverage for extra peace of mind. The data below lays out the monthly rates from these top providers, helping you choose the best fit for your budget.

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

If saving money is your priority, State Farm stands out with the lowest rates at $28 for minimum and $70 for full coverage. But if you’re looking for premium services, Liberty Mutual charges the most at $155 and $380, likely offering added perks. Other options are also available. The key is finding the right balance between cost and coverage that works for you.

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

#1 – State Farm: Top Pick Best Duluth Auto Insurance

Pros

• Lowest Monthly Premium in Duluth: Offers the cheapest auto insurance in Minnesota, with minimum coverage starting at $28 per month and full coverage at $70 per month.
  
• Strong Discount Opportunities: Features Drive Safe & Save, Multi-Car, Good Student, and Accident-Free discounts, helping policyholders save more.
• Reliable Local Agent Network: Numerous offices across Duluth provide in-person support for policy management and claims. (Read More: State Farm Car Insurance Review & Ratings)

Cons

• Lower Financial Strength (B Rating): It has a lower A.M. Best rating than competitors like Geico and Auto-Owners.
• Limited High-Risk Driver Options: Premiums increase significantly for drivers with at-fault accidents or DUIs.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – Progressive: Cheap Car Insurance

Pros

• “Name Your Price” Tool: Allows Duluth drivers to customize coverage based on budget constraints.
• Snapshot Program for Safe Drivers: Telematics-based discount rewards policyholders with lower premiums for good driving habits.
• Strong High-Risk Driver Coverage: More affordable than most competitors for drivers with tickets, accidents, or low credit scores. (Read More: Progressive Car Insurance Review & Ratings)

Cons

• Higher Rates for Low-Mileage Drivers: Charges more than State Farm for drivers who travel under 7,500 miles per year.
  
• Limited Local Agent Support: Primarily an online-based provider with fewer physical locations in Duluth.

#3 – Allstate: Personalized Service 

Pros

• Superior Safe Driving Discounts – The Drivewise program offers up to 40% savings for Duluth drivers with good habits.
•  Unique Early Signing Discount – Save by purchasing a policy at least seven days before it starts.
•  Strong Bundling Options (25%) – One of the highest bundling discounts when combining auto and home insurance. (Read More: Allstate Insurance Review & Ratings)

Cons

• Higher Than Average Premiums – At $66 per month for minimum coverage, it’s one of the pricier options in Duluth.
• Drivewise App Required for Best Rates – Must consent to tracking to qualify for the highest discounts.

#4 – Farmers: Flexible Coverage in Duluth, MN

Pros

• Signal App Discount for Safe Drivers: The Telematics program provides significant savings for monitored good driving.
• Strong Pay-in-Full Discount: Reduces rates when paying for a policy upfront rather than monthly installments.
• Customizable Add-Ons: Offers rideshare coverage, new car replacement, and customized glass coverage. (Read More: Farmers Insurance Review & Ratings)

Cons

•  More Expensive for Young Drivers: Rates for drivers under 25 are higher than competitors like Geico or Progressive.
•  Limited Duluth Agent Presence: Fewer local offices compared to American Family or State Farm.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#5 – Liberty Mutual: Best for Its Online Tools

Pros

• RightTrack Telematics Savings: Drivers who enroll in the safe-driving app can save up to 30%.
• High Bundling Discount (25%): One of the best options for homeowners who bundle auto and property insurance.
• Strong Digital Claims Process: AI-powered claims service allows for fast estimates and online settlements. (Read More: Liberty Mutual Insurance Review & Ratings)

Cons

• Most Expensive Coverage in Duluth: Minimum coverage costs $155 per month, far exceeding competitors.
• Better for Tech-Savvy Users: Heavily reliant on digital platforms rather than in-person agent interactions.

#6 – Nationwide: Vanishing Deductible

Pros

• SmartRide Telematics Discount: Rewards good drivers with up to 40% off their premiums. (Read More: Nationwide Insurance Review & Ratings)
• Vanishing Deductible Program: Deductibles decrease by $100 for each year of accident-free driving
• Accident Forgiveness Available: Helps prevent premium increases after the first at-fault accident.

Cons

• Not the Cheapest Option for Basic Coverage: State Farm and Geico offer lower-priced minimum coverage.
• Higher Rates for Young Drivers: Premiums tend to be more expensive for drivers under 25.

#7 – Geico: Competitive Pricing

Pros

• One of the Most Affordable Full Coverage Plans: Costs $92 per month, making it one of the cheapest comprehensive options. (Read More: Geico Insurance Review & Ratings)
• Military Discount Available: Offers exclusive savings for active-duty military and veterans.
• High Financial Stability (A++): Ensures strong claims reliability, even during widespread events.

Cons

• Minimal Local Agent Presence: Primarily an online insurer with no physical offices in Duluth.
• No Gap Insurance Option: Not ideal for drivers financing or leasing vehicles.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#8 – American Family: 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

• More Expensive Than Geico and State Farm: Minimum coverage costs $39, which is slightly higher than other budget-friendly options.
• Limited Availability Outside Midwest: Not ideal for policyholders who plan to move frequently

#9 – Travelers: Claims Handling

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

 

Pros

• IntelliDrive Program: Usage-based discount that monitors driving behavior for up to 30% savings.
• Premier Responsible Driver Plan: Offers rate protection for long-term accident-free drivers.
• Affinity Group Discounts: These are available for specific professional organizations and employers (Read More: Travelers Insurance Review & Ratings).

Cons

• Not the Cheapest for Minimum Coverage: State Farm and Geico offer better deals on liability-only policies.
• No Instant Online Quote Option: Requires speaking with an agent for pricing estimates.

 

#10 – Auto-Owners: 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)
• Strong Bundling Discount (25%) – Significant savings when combining multiple policies.
• Generational Discount – Rewards long-term customers and families with policies spanning multiple generations.

Cons

• More Expensive Than Geico and State Farm – Minimum coverage costs $39, which is slightly higher than other budget-friendly options.
• Limited Availability Outside Midwest – Not ideal for policyholders who plan to move frequently

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Auto Insurance Discounts From the Top Providers in Duluth, MN

Finding affordable car insurance in Minnesota means looking beyond just coverage options—available discounts make a big difference in your overall costs. Many top providers offer unique savings opportunities, from safe driving programs to multi-policy discounts.

Below, we’ve highlighted discounts Duluth insurance providers offer to help you maximize your savings.

Auto Insurance Discounts From the Top Providers in Duluth, MN

 

These auto insurance providers near you offer a variety of discounts to help drivers save. Allstate, Liberty Mutual, and Auto-Owners reward safe driving, while Progressive, Nationwide, and Travelers use telematics programs to reduce rates based on driving habits. Bundling policies, maintaining continuous coverage, and being a good student can also unlock additional savings with companies like State Farm, American Family, and Farmers.

How To Find Affordable Car Insurance in Minnesota

Duluth drivers looking for cheap full coverage car insurance in Minnesota can take advantage of discounts offered by these providers. Many companies provide unique savings opportunities, from multi-policy discounts to safe-driving programs.

• Bundling discounts: Combine auto and home insurance for savings.
• Safe driver programs: Enroll in telematics-based discounts like Drivewise or Snapshot.
• Low-income programs: Look into low-income car insurance in Minnesota for additional savings.

Auto Insurance Coverage Requirements in Minnesota

Duluth, MN driving facts are:

Coverage	Requirements	Most Common
Bodily Injury Liability	30,000/60,000	100,000/300,000
Property Damage Liability	10,000	100,000
Uninsured Motorist Bodily Injury	25,000/50,000	100,000/300,000
Personal Injury Protection	40,000	40,000
Collision	Not required	500 deductible
Comprehensive	Not required	0 deductible

Minnesota does what most states don’t: require you to purchase Uninsured Motorist and Medical Payments coverage. But think about what those two requirements are protecting you from; if you are ever hurt in an accident by an uninsured motorist, you won’t have to pay thousands of dollars in medical bills.

In Minnesota, the average monthly payment for automotive insurance is around $128. But did you know that Duluth drivers can get that lowered to around $40/mo*? It’s true—and we can show you how.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

The Best Auto Insurance in Duluth, Minnesota

 

Farmers, State Farm, and Allied all really want to increase their business, because they’re offering some of the c

But if you are thinking about switching, make sure you do your due diligence. Find out if they have solid customer service or if all they offer is cheap auto insurance in Minnesota.

Duluth, Minnesota auto insurance agencies consider many elements to determine insurance prices, especially gender, accident claims, type of vehicle owned, years of driving experience, and current insurance coverage and limits. Premiums also vary among Duluth, MN, car insurance companies. To verify if you’re still paying the cheapest car insurance in Duluth, MN, assess the best auto insurance premiums over the internet.

Major Factors in the Best Car Insurance in Duluth, Minnesota

Once car insurance Duluth, Minnesota agents prepare to come up with your policy, they take several specifics into account. Some of these, for instance how old you are or maybe your specific locale, usually are unfeasible to alter. Some other factors are:

Your ZIP Code

Your auto insurance rates can vary based on the spot where you live. Usually, populous cities possess greater car insurance rates because the larger number of car owners on the streets raises the probability of a car accident. The total population of Duluth amounts to 86,128. Plus, the average household income is $42,176.

 

Automotive Accidents

The rate of fatal accidents in Duluth is quite low, especially when you factor in how many people live and drive in the city. Automobile insurance providers tend to offer lower rates in areas where fewer accidents happen, with no effort required on your part.

 

Auto Thefts in Duluth

Acquiring low-cost auto insurance can be difficult if you’re vulnerable to auto theft. Specific common automobile models are usually attractive to thieves, in addition to vehicles that are often left in big urban centers. The full number of stolen cars in Duluth was 156 back in the year 2013, which reflects a slow decline from previous years. If you aren’t too worried about auto theft, you could save monthly by raising your Comprehensive coverage deductible (more on that later).

 

Your Credit Score

If you already have an excellent credit score, then you have nothing to worry about; you’re probably already getting a lower rate than most other drivers. But for those who have less than perfect credit, your costs will, unfortunately, be higher.

 

Your Age

Sadly, the younger the driver, the more likely they are to get into an accident. Being a safe driver takes time and experience, and older drivers are rewarded for this in the form of insurance discounts. But younger individuals should also look into Driver’s Ed and Good Student discounts.

 

Your Driving Record

Serious violations (like DUIs) will significantly raise your rates, if your coverage isn’t dropped altogether. However, minor tickets can be costly, too. But some providers have started offering Accident Forgiveness discounts for drivers with a less than perfect record.

 

Your Vehicle

It isn’t automatically more expensive to buy insurance for a luxury vehicle. Still, when you add all the different types of coverage that you will need, and purchase them in high enough amounts to cover the cost of your vehicle, that is when things start getting expensive.

 

Minor Factors in The Best Auto Insurance in Duluth, Minnesota

Don’t worry, there are other factors you can adjust to change your monthly premium:

Your Marital Status

Married couples often bundle their vehicle insurance policies together 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 even homeowners’ insurance.

Your Gender

Most providers these days don’t even bother charging different rates based on gender alone. For those that do, there might be a 2-3% difference in premiums, if that. Whether men or women pay more will vary between providers.

Your Driving Distance to Work

Residents in Duluth enjoy a delightfully short commute time, which might be as short as 10 or as long as 23 minutes each trip. Just over three-quarters of motorists drive their own car to work each day, whereas between 4 and 18% will carpool with a coworker. Less than 5% will take the bus.

If at all possible, make sure you insure your vehicle for personal use, because business vehicles are at least 10% more expensive to cover. And if you think reducing your miles driven each year will get you big discounts, think again. You’d have to slash your driving by thousands of miles yearly just to get a 3-4% discount.

Your Coverage and Deductibles

The deductible is the amount of money you pay up front in order for your insurance company to fill out your claim. When your deductible is low, your premiums will go up. But if you raise it, and agree to share more of the financial burden with your insurance company, they will lower your monthly payment.

Education in Duluth, MN

The greatest number of drivers in Duluth have achieved a complete high school education, while just under 20% have also gone on to obtain a college degree. This latter group could also see a reduction in their car insurance rate, even more so than having a nice job or a high annual salary. This is because providers have recently started offering lower premiums to motorists who have an advanced level of education.

The most noteworthy university in Duluth is the University of Minnesota – Duluth, based on its size and scope. Nearly 12,000 students are educated there each year, working on more than 75 different majors. Also, the College of St. Scholastica offers a private option for prospective students, especially in the fields of physical therapy and nursing. But if your education goals are more office-oriented, don’t overlook the Duluth Business University.

Determining your financial risk can be very hard or inconceivable for the standard insurance shopper. Insurance companies have an edge on shoppers due to their research and experiential knowledge. Learn what insurance companies don’t wish for you to realize.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Your Next Steps

If you’re looking for the best auto insurance in Duluth, MN, consider factors like your ZIP code, driving record, and available discounts. By comparing quotes and researching company reputations, you can secure the cheapest auto insurance in Duluth, Minnesota, while maintaining quality coverage.

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

Compare Auto Insurance Rates from the best Duluth, MN Auto Insurance Agencies. Enter Your ZIP Code in the Quote Box and see How Much You Can Save on Duluth, MN Auto Insurance Near You.