🚗 Car insurance cost in Duluth, MN (2027)
Estimated average: $1,816 per year — -16% vs. the U.S. average of $2,150.
With about 86,697 residents, Duluth is a smaller city and the #4 largest city in Minnesota. Car insurance rates here are estimated at $1,816 per year, below the Minnesota average of $1,892 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Duluth with other Minnesota cities.
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Duluth car insurance FAQ
How much is car insurance in Duluth, MN?
The estimated average is $1,816 per year — below the state average (-4% vs. the Minnesota average of $1,892, and -16% vs. the U.S. average).
Is car insurance more expensive in Duluth than elsewhere in Minnesota?
Duluth has about 86,697 residents. Larger metro areas usually see different rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Duluth?
Compare at least three quotes from insurers active in Duluth, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.