Insurance Costs in Duluth, MN
Auto insurance in Duluth averages $1,399 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Duluth, MN: What You Need to Know
Duluth residents pay an average of $1,399 per year for full coverage auto insurance, which is 8.0% below the Minnesota state average and 16.4% below the national average.
With a population of 90,884, Duluth is a growing city in Minnesota. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,399 | $117 |
| Standard Coverage (50/100/50) | $1,147 | $96 |
| State Minimum (30/60/10) | $588 | $49 |
Homeowners Insurance in Duluth, MN
The average cost of homeowners insurance in Duluth is $1,564 per year ($130/month), which is 14.1% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Duluth, MN
Renters insurance in Duluth averages $192 per year ($16/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Minnesota Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Minneapolis | $1,795/yr | $2,002/yr |
| St. Paul | $1,704/yr | $1,869/yr |
| Rochester | $1,338/yr | $1,716/yr |
| Bloomington | $1,445/yr | $1,812/yr |
| Brooklyn Park | $1,597/yr | $1,678/yr |
| Plymouth | $1,338/yr | $1,945/yr |
| Woodbury | $1,293/yr | $2,002/yr |
| Maple Grove | $1,293/yr | $2,002/yr |
How to Save on Insurance in Duluth
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Duluth can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Duluth, MN?
The average cost of car insurance in Duluth, MN is $1,399 per year for full coverage, or about $117 per month. Minimum coverage costs around $588 per year.
Is car insurance expensive in Duluth?
Car insurance in Duluth is relatively affordable compared to many U.S. cities.
How much is home insurance in Duluth?
Homeowners insurance in Duluth costs an average of $1,564 per year. Your actual cost depends on your home's value, age, construction type, and specific location.