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.
Factors Influencing the Cost of Auto Insurance in Duluth, MN
The average cost of auto insurance in Duluth, MN, is $1,116. It is lower than the insurance price in neighboring places such as Arnold, Hermantown, Canosia, Rice Lake, and Proctor. Several factors can affect the cost of auto insurance in Duluth. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.
Some of the factors that could increase the cost of auto insurance are as follows.
Driving Violations such as driving with an expired license or speeding can also have a severe impact on auto insurance costs in Duluth, MN, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive.
DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Duluth can be as high as $2,038.
The cost of auto insurance depends on the age of the driver. Auto insurance is the cheapest for drivers who are in their fifties and sixties in Duluth. Teenagers are considered more risk-prone to accidents and continue to find auto insurance expensive at $3,621.
A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be quite low.
This is one of the most common factors influencing the cost of auto insurance in Duluth, MN. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $1,017, and it decreases to $859 when the deductible is $1,000.
Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.
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 Rates
- Duluth, MN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Duluth, MN
- Multi Vehicle Insurance Savings in Duluth, MN
- How Credit Score Affects Car Insurance Rates in Duluth, MN
- How DUI Affects Auto Insurance Premiums in Duluth, MN
- How Driving Violations Affect Auto Insurance Rates in Duluth, MN
- Duluth, MN Auto Insurance Discounts on Anti Theft Feature
- Duluth, MN Auto Insurance Company Reviews
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.
|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)|
|County subdivisions not defined||$2,109||$1,782|
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|
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|
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|
|County subdivisions not defined||$2,048||$3,739|
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|
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|
|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|
|Active Disabling Device||$1,071|
|Passive Disabling Device||$1,038|
Latest Auto Insurance Reviews in Duluth, MN | Back to Top
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.
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.
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 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.
I have only had one minor claim with them in 20 years and they performed as expected. Nothing special however.
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.
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.
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.
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 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.
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