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 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