Car Insurance in Duluth, MN – Cheapest Rates for 2025

• Duluth car insurance rates average $2,210 per year for full coverage, or around $184 per month.
• For cheap auto insurance in Duluth, Minnesota, small SUVs like the Nissan Kicks, Chevrolet Trailblazer, Buick Envision, and Ford Bronco Sport cost less than most other makes and models.
• A few vehicles with segment-leading auto insurance rates include the Jaguar E-Pace ($2,064 per year), Acura Integra ($1,964 per year), Toyota GR Corolla ($1,918 per year), and Honda Passport ($1,758 per year).
• Car insurance quotes in Duluth can vary significantly from as little as $35 per month for minimum liability limits to well over $656 per month for accident or violation prone drivers.

How much is car insurance in Duluth, Minnesota?

Average car insurance cost in Duluth is $2,210 per year, which is 2.9% less than the overall national average rate of $2,276. The average monthly cost of car insurance in Duluth is $184 for full coverage.

Average car insurance cost in Minnesota is $2,272 per year, so Duluth, Minnesota, drivers pay an average of $62 less per year than the overall Minnesota state-wide average rate. When prices are compared to other cities in Minnesota, the cost of insurance in Duluth is about $328 per year cheaper than in Minneapolis, $62 per year less than in Bloomington, and $336 per year less than in St. Paul.

The next chart summarizes auto insurance cost in Duluth, MN, for different common policy situations. Rates are averaged for all Duluth Zip Codes and shown based on a variety of different driver ages and possible risk profiles.

Average car insurance rates in the previous chart range from $1,834 per year for a 40-year-old driver who meets many discount requirements to $5,078 per year for a 30-year-old driver with a poor driving record or too many at-fault accidents.

When the average rates are converted to monthly figures, the average cost of car insurance per month in Duluth ranges from $153 to $423.

Duluth auto insurance rates can vary considerably and are impacted by many factors. Since the chances of having many different rates is high, this emphasizes the need for accurate car insurance quotes when shopping around for cheaper car insurance in Duluth, Minnesota.

The age of the driver has the single biggest impact on the cost of car insurance. The list below illustrates these differences by showing average car insurance rates for different driver ages.

Average cost of car insurance in Duluth, MN, by driver age

• 16-year-old rated driver – $7,868 per year or $656 per month
• 17-year-old rated driver – $7,623 per year or $635 per month
• 18-year-old rated driver – $6,831 per year or $569 per month
• 19-year-old rated driver – $6,220 per year or $518 per month
• 20-year-old rated driver – $4,448 per year or $371 per month
• 30-year-old rated driver – $2,356 per year or $196 per month
• 40-year-old rated driver – $2,210 per year or $184 per month
• 50-year-old rated driver – $1,958 per year or $163 per month
• 60-year-old rated driver – $1,832 per year or $153 per month

The rates listed above for average cost of car insurance for teen drivers were based on a male driver. The next chart gets more specific and separates car insurance cost for teens by gender. Females are generally slightly cheaper to insure than males, notably at younger ages.

Auto insurance for a 16-year-old female driver in Duluth costs an average of $519 less per year than the cost for a male driver, while at age 19, the difference is narrower but is still $960 per year cheaper for females.

The most popular vehicles in Duluth tend to be compact and midsize cars like the Hyundai Elantra and Toyota Camry and small or midsize SUVs like the Toyota RAV4 and Toyota Highlander.

Additional popular vehicles from different automotive segments include luxury SUVs like the Acura MDX, Infiniti QX60, and BMW X5, luxury cars like the Infiniti Q50, Tesla Model S, and BMW 530i, and pickup trucks like the Ram 1500, Chevy Silverado, and Ford F-150.

We cover car insurance rates for many more models in the upcoming sections, but first, let’s revisit the main concepts that were covered so far.

• Duluth car insurance cost is less than the U.S. average – $2,210 (Duluth average) versus $2,276 (U.S. average)
• Auto insurance is generally cheaper the older you are – Average auto insurance rates for a 50-year-old driver in Duluth are $2,490 per year cheaper than for a 20-year-old driver.
• Auto insurance for teenagers gets very expensive – Average cost can range from $5,260 to $7,868 per year to insure a teen driver in Duluth, Minnesota.
• Car insurance rates decrease substantially between ages 20 and 30 – The average 30-year-old Duluth, MN, driver will pay $2,092 less annually than a 20-year-old driver, $2,356 compared to $4,448.
• Lower deductible insurance is more expensive than high deductible – A 40-year-old driver pays an average of $714 more per year for $250 deductibles compared to $1,000 deductibles.
• Duluth car insurance prices are cheaper than the Minnesota state average – $2,210 (Duluth average) compared to $2,272 (Minnesota average)
• Teen girls pay cheaper rates than teen males – Teen females (age 16 to 19) pay $960 to $519 less each year than male drivers of the same age.

Which autos have the cheapest car insurance in Duluth, MN?

When comparing rates for all cars, SUVs, and pickups, the vehicles with the cheapest car insurance prices in Duluth tend to be crossover SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Toyota Corolla Cross.

Average auto insurance prices for those compact SUVs cost $1,920 or less per year, or $160 per month, to get full coverage.

Other models that have low-cost car insurance quotes in our car insurance cost comparison are the Buick Encore, Nissan Murano, Toyota GR Corolla, and Honda CR-V.

The average cost is somewhat higher for those models than the cheapest crossovers and small SUVs that rank at the top, but they still have an average insurance cost of $172 or less per month.

The following table ranks the top 30 models with the cheapest car insurance rates in Duluth, ordered starting with the cheapest.

A table of 30 ranked vehicles is great if you just want the lowest rates. Considering the fact that we rate over 700 vehicles, a ton of models get left out. So let’s take a different approach and list the vehicles with the best rates in a format that is more usable, by automotive segment.

The next section of this article talks about the cost of insurance based on different automotive segments. These rates will give you a good foundation of the vehicle segments that have the cheapest rates. After the chart, the next six sections will break out the cheapest rates for individual vehicles in each automotive segment.

Duluth car insurance rates by automotive segment

If you’re shopping around for a different vehicle, it is useful to know which styles of vehicles have cheaper auto insurance rates.

To illustrate this, some people wonder if compact SUVs are cheaper to insure than minivans or if heavy duty pickups have more expensive car insurance than half-ton pickups.

The next chart displays the average cost of auto insurance rates in Duluth for different vehicle segments. As a general rule, small SUVs, vans, and midsize pickups tend to have the least expensive average rates, while sports cars, large luxury cars, and performance exotic cars have the highest average cost to insure.

Average rates for different segments are suitable for blanket comparisons, but insurance cost varies substantially within each vehicle category listed in the chart above.

For example, in the midsize SUV segment, average Duluth car insurance rates range from the Honda Passport costing $1,758 per year for a full coverage policy to the Rivian R1S at $2,716 per year, a difference of $958 within that segment. As another example, in the large truck segment, insurance rates range from the Nissan Titan costing $2,066 per year up to the Toyota Tundra costing $2,630 per year, a difference of $564 within that segment.

In the next sections of the article, we eliminate a lot of this variability by analyzing the cost of auto insurance in Duluth for individual vehicles.

Cheapest cars to insure in Duluth

The top-ranked model in Duluth for the most affordable average insurance rates in the non-luxury car segment is the Toyota GR Corolla, costing $1,918 per year. Second place is the Nissan Leaf costing $1,934 per year, and the third cheapest is the Honda Civic, at an average of $1,956 per year.

Additional models that rank well in our comparison include the Honda Accord, Toyota Corolla, Chevrolet Malibu, and Toyota Prius, with average rates of $2,152 per year or less.

Additional models worth mentioning include the Volkswagen Arteon, Subaru Legacy, Volkswagen Jetta, Nissan Versa, and Mitsubishi Mirage G4, which average between $2,152 and $2,282 to insure per year.

Full-coverage insurance for this segment in Duluth for an average middle-age driver will start around $160 per month, depending on where you live.

The table below ranks the twenty cars with the lowest-cost average insurance rates in Duluth, starting with the Toyota GR Corolla at $160 per month and ending with the Mazda 3 at $190 per month.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Looking for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Duluth car insurance quotes from top car insurance companies in Minnesota.

Cheapest SUV insurance rates in Duluth

The top-ranked model in Duluth for cheapest auto insurance rates in the non-luxury SUV segment is the Subaru Crosstrek, at an average of $1,632 per year. Second place is the Chevrolet Trailblazer at $1,660 per year, and ranking third is the Kia Soul, at an average of $1,724 per year.

Some other SUVs that have cheaper rates are the Toyota Corolla Cross, Mazda CX-5, Buick Envision, and Ford Bronco Sport, with average cost of $1,808 per year or less.

Additional vehicles worth mentioning include the Nissan Murano, Buick Envista, Kia Niro, and Honda CR-V, which cost between $1,808 and $1,922 per year for insurance.

Car insurance rates in this segment starts at an average of $136 per month, depending on the company.

The lowest-cost compact SUV to insure in Duluth is the Subaru Crosstrek at $1,632 per year. For midsize models, the Honda Passport is the cheapest model to insure at $1,758 per year. And for large SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,072 per year.

The table below ranks the twenty SUVs with the most affordable auto insurance rates in Duluth, starting with the Subaru Crosstrek at $1,632 per year and ending with the Subaru Ascent at $1,922 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV missing from the table above? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Duluth car insurance quotes from the best companies in Minnesota.

Cheapest luxury cars to insure in Duluth

Ranking in the top five for the lowest-cost Duluth auto insurance rates in the luxury car segment are the Lexus IS 300, Acura TLX, Mercedes-Benz CLA250, Acura Integra, and BMW 330i. Auto insurance prices for these 2024 models average $190 or less per month.

Not the cheapest to insure, but still ranked well, are luxury cars like the Cadillac CT4, Lexus ES 350, Lexus RC 300, and Genesis G70, with an average cost to insure of $2,320 per year or less.

Some additional models that rank well include the Jaguar XF, Lexus IS 350, Lexus ES 250, BMW 228i, and BMW 330e, which cost between $2,320 and $2,476 to insure per year in Duluth.

From a cost per month standpoint, full-coverage auto insurance on this segment in Duluth for a safe driver starts at an average of $164 per month, depending on your location and insurance company.

When vehicle size is considered, the lowest-cost compact luxury car to insure in Duluth is the Acura Integra at $1,964 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the cheapest rates at $2,270 per year. And for large luxury car models, the Audi A5 has the cheapest rates at $2,624 per year.

The table below ranks the twenty cars with the lowest-cost insurance rates in Duluth, starting with the Acura Integra at $164 per month and ending with the Audi S3 at $206 per month.

See our guide for luxury car insurance to compare rates for all makes and models.

Looking for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Duluth car insurance quotes from top-rated car insurance companies in Minnesota.

Cheapest luxury SUVs to insure in Duluth, Minnesota

The top three luxury SUVs with the cheapest insurance rates in Duluth are the Acura RDX at $1,846 per year, the Lexus NX 250 at $1,954 per year, and the Cadillac XT4 at $1,994 per year.

Additional luxury SUVs that rank well include the Lexus UX 250h, Lincoln Corsair, Lexus NX 350h, and Mercedes-Benz GLB 250, with an average cost of $2,130 per year or less.

As a cost per month, car insurance on this segment in Duluth for an average middle-age driver starts at around $154 per month, depending on where you live.

The cheapest compact luxury SUV to insure in Duluth is the Acura RDX at $1,846 per year. For midsize luxury SUVs, the Jaguar E-Pace has the cheapest rates at $2,064 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $2,476 per year.

The comparison table below ranks the luxury SUVs with the lowest-cost auto insurance rates in Duluth.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Minnesota.

Cheapest sports car insurance rates in Duluth, Minnesota

The cheapest sports cars to insure in Duluth are the Mazda MX-5 Miata at $2,042 per year, the Toyota GR86 at $2,328 per year, and the Ford Mustang at $2,428 per year.

Other models that have affordable insurance rates include the Toyota GR Supra, Nissan Z, BMW M2, and Lexus RC F, with an average car insurance cost of $2,640 per year or less.

Full-coverage car insurance for this segment in Duluth for the average driver can cost as low as $170 per month, depending on the company and where you live. The rate comparison table below ranks the twenty sports cars with the most affordable auto insurance rates in Duluth, starting with the Mazda MX-5 Miata at $2,042 per year ($170 per month) and ending with the Porsche Taycan at $3,740 per year ($312 per month).

Looking for a different vehicle? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Minnesota.

Cheapest pickup trucks to insure in Duluth

The lowest-cost pickup trucks to insure in Duluth are the Chevrolet Colorado at $1,946 per year, the Nissan Titan at $2,066 per year, and the Nissan Frontier at $2,088 per year.

Not the cheapest pickups to insure, but still affordable, are trucks like the GMC Sierra 2500 HD, Honda Ridgeline, Toyota Tacoma, and Hyundai Santa Cruz, with an average car insurance cost of $2,270 per year or less.

Auto insurance rates in Duluth for this segment for the average driver starts at around $162 per month, depending on your company and location. The next table ranks the pickups with the lowest-cost car insurance in Duluth.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your pickup model? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Duluth car insurance quotes from the best car insurance companies in Minnesota.

Driver profile affects auto insurance rates

In an effort to clarify the amount car insurance premiums can change between drivers (and also emphasize the importance of accurate rate quotes), the charts below contain detailed auto insurance rates for five popular vehicles in Duluth: the Ford F150, Toyota Corolla, Nissan Rogue, Toyota Camry, and Ford Mustang.

Each example shows average rates for different driver profiles to demonstrate the variation based on minor driver risk profile changes.

Ford F150 insurance rates

Insurance for a Ford F150 in Duluth costs an average of $2,472 per year ($206 per month) and has a range of $2,048 to $5,708 for the driver characteristics used in the next chart.

The Ford F150 is a full-size truck, and other models from that segment that are popular in Duluth, Minnesota, include the Chevrolet Silverado, Ram Truck, Nissan Titan, and GMC Sierra.

Toyota Corolla insurance rates

In Duluth, Toyota Corolla insurance costs an average of $2,152 per year ($179 per month) and ranges from $1,784 to $4,932 per year.

The Toyota Corolla belongs to the compact car segment, and other popular models in the same segment include the Hyundai Elantra, Chevrolet Cruze, Honda Civic, and Nissan Sentra.

Nissan Rogue insurance rates

In Duluth, Nissan Rogue insurance costs an average of $1,984 per year, or about $165 per month, and has a range of $1,650 to $4,536 per year.

The Nissan Rogue belongs to the compact SUV segment, and other similar models that are popular in Duluth include the Ford Escape, Toyota RAV4, and Mazda CX-5.

Toyota Camry insurance rates

Toyota Camry insurance in Duluth averages $2,372 per year, or around $198 per month, and ranges from $1,970 to $5,456 annually.

The Toyota Camry is classified as a midsize car, and other similar models from the same segment include the Nissan Altima, Chevrolet Malibu, Kia K5, and Honda Accord.

Ford Mustang insurance rates

Insurance for a Ford Mustang in Duluth costs an average of $2,428 per year ($202 per month) and has a range of $2,012 to $5,558 annually.

The Ford Mustang is classified as a sports car, and additional similar models from the same segment include the Nissan 370Z, Toyota Supra, Chevrolet Camaro, and Subaru BRZ.

Tips for saving money on Duluth car insurance

Financially savvy drivers in Duluth are often looking to reduce their monthly insurance expenses. So take a minute to review the savings tips in the list below and it’s very likely you can save a little dough on your next renewal.

• Remove unneeded coverage on older vehicles. Removing physical damage coverage (comprehensive and collision) from older vehicles that are no longer worth much can cheapen the cost considerably.
• Fewer violations means cheaper rates. In order to get cheap auto insurance in Duluth, it pays to avoid traffic citations. Just one or two minor driving offenses can increase insurance policy rates by at least $586 per year.
• Keep your claim-free discount. Most auto insurance companies offer a discount if you have no claims. Car insurance is intended to be used for significant financial loss, not minor claims.
• Shop around for better rates. Setting aside 5-10 minutes to get free car insurance quotes can significantly reduce your monthly cost. Rates change quite often and you can switch companies very easily.
• Choose vehicles that have low cost car insurance. Vehicle type is one of the primary factors in the cost of car insurance in Duluth. As an example, a Subaru Outback costs $2,416 less per year to insure in Duluth than a Nissan GT-R. Choose cheaper models and save money.