Duluth Auto Insurance Rates, Quotes, Agents & Reviews in MN

Duluth, MN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Duluth, MN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Duluth, MN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Duluth, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Duluth, MN with that of other cities in and around Duluth.

Duluth Arnold Hermantown Canosia Rice Lake Proctor
Average Insurance Rates $1,116 $1,596 $1,324 $1,330 $1,665 $1,272

Duluth, MN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Duluth, MN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Duluth $1,017 $859
Proctor $1,458 $1,232
Hermantown $1,858 $1,569
Arnold $1,644 $1,389
Rice Lake $1,135 $959
Midway $1,463 $1,235
County subdivisions not defined $2,109 $1,782
Canosia $2,297 $1,940

Duluth, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Duluth, MN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,621
20 Years $1,434
30 Years $1,104
40 Years $1,063
50 Years $984
60 Years $998
70 Years $1,161

Duluth, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Duluth, MN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,964 $268
3 Vehicles $2,946 $402
4 Vehicles $3,928 $536

Savings on 2 Vehicles bundle:$268

Savings on 3 Vehicles bundle:$402

Savings on 4 Vehicles bundle:$536


Duluth, MN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Duluth, MN.

Location Average Insurance Cost Post DUI Insurance Rate
Duluth $1,116 $2,038
Proctor $1,272 $2,322
Hermantown $1,324 $2,417
Arnold $1,596 $2,914
Rice Lake $1,665 $3,040
Midway $1,307 $2,386
County subdivisions not defined $2,048 $3,739
Canosia $1,330 $2,428

Duluth, MN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $958
Excellent (740-799) $1,093
Good (670-739) $1,163
Average (580-669) $1,517
Poor (300-579) $1,820

Duluth, MN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$49 $1,165
Driver's Failure In Showing Documents +$108 $1,224
Driving With An Expired Registration +$115 $1,231
Driving At A Considerably Slow Pace +$242 $1,358
Using A Cellphone While Driving +$256 $1,372
Running A Red Light +$260 $1,376
Speeding +$273 $1,389
Driving A Vehicle Without The Required Permission +$347 $1,463
Driving With An Expired/Suspended License +$752 $1,868

Duluth, MN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,071
Active Disabling Device $1,071
Tracking Device $1,049
Passive Disabling Device $1,038

Latest Auto Insurance Reviews in Duluth, MN | Back to Top

State Farm
The premium was a very good price for the same deductible as other insurance companies and when I bundled my home and car insurance together it lowered my premium by a good amount.
Ameriprise
Initially, I did not have great experiences with them, but the longer I have the insurance with them, the cheaper it got so they are great for what you get.
Progressive
I do not have a bad premium price. I get discounted for bundling. I have no deductible that I have to pay which is great because who ever has around 500 dollars just laying around
State Farm
State Farm has been a very straightforward car insurance company. Everything I need to know is online, and if not they have customer service agents on the line waiting to answer your questions.
Liberty Mutual
I have only had one minor claim with them in 20 years and they performed as expected. Nothing special however.
Allstate
The only on thing we can have the direct client support up to evening only. As a full time worker i can't meet them in the morning time. but the over customer support is good up to me.
Auto-Owners Insurance
MY AUTO INSURANCE GIVES DEDUCTIONS FOR AGE--HOW MANY MILES i TRAVEL YEARLY- COMPOUNDS AMOUNT FROM HOW MANY PEOPLE IN POOL REMAINED ACCIDENT FREE AND WE ALL PAY LESS --THE LESS ACCIDENTS INVOLVED IN.
American National Property And Casualty Company
My policy is pretty standard compared to other providers. The only thing I can think of that goes above and beyond is that they offer a good student discount. I am no longer eligible for that discount, as I have finished school. I do get roadside assistance, which I have utilized and appreciate.
State Farm
I just wish they had an office closer by. It isn't very easy for me to get around to where it is and if I have to go in, it makes it a hassle.
State Farm
State Farm has always had my back in making sure nobody tries to scam me and that I am getting the best out of my insurance. They take care of minor details with no worries.
State Farm
I use this policy because my entire family is insured by state farm for all policies. I don't know many of the other offerings, I've never looked