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:

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. 

DUI:

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. 

Age Group:

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. 

Credit Score:

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.

Deductibles:

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.

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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

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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

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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

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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

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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

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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

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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

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