- Duluth car insurance rates average $2,166 per year for full coverage, or around $181 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 ($2,026 per year), Acura Integra ($1,926 per year), Toyota GR Corolla ($1,882 per year), and Honda Passport ($1,724 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 $2,166 per year, which is 2.5% less than the overall national average rate of $2,221. The average monthly cost of car insurance in Duluth is $181 for full coverage.
Average car insurance cost in Minnesota is $2,228 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 $330 per year cheaper than in Minneapolis, $64 per year less than in Bloomington, and $338 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 $1,800 per year for a 40-year-old driver who meets many discount requirements to $4,980 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 $150 to $415.
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 – $7,714 per year or $643 per month
- 17-year-old rated driver – $7,473 per year or $623 per month
- 18-year-old rated driver – $6,698 per year or $558 per month
- 19-year-old rated driver – $6,100 per year or $508 per month
- 20-year-old rated driver – $4,356 per year or $363 per month
- 30-year-old rated driver – $2,312 per year or $193 per month
- 40-year-old rated driver – $2,166 per year or $181 per month
- 50-year-old rated driver – $1,920 per year or $160 per month
- 60-year-old rated driver – $1,798 per year or $150 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 $507 less per year than the cost for a male driver, while at age 19, the difference is narrower but is still $944 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 – $2,166 (Duluth average) versus $2,221 (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 $2,436 per year cheaper than for a 20-year-old driver.
- Auto insurance for teenagers gets very expensive – Average cost can range from $5,156 to $7,714 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 $2,044 less annually than a 20-year-old driver, $2,312 compared to $4,356.
- Lower deductible insurance is more expensive than high deductible – A 40-year-old driver pays an average of $702 more per year for $250 deductibles compared to $1,000 deductibles.
- Duluth car insurance prices are cheaper than the Minnesota state average – $2,166 (Duluth average) compared to $2,228 (Minnesota average)
- Teen girls pay cheaper rates than teen males – Teen females (age 16 to 19) pay $944 to $507 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 $1,884 or less per year, or $157 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, Honda HR-V, and Subaru Outback.
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 $168 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.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,600 | $133 |
| 2 | Chevrolet Trailblazer | $1,628 | $136 |
| 3 | Kia Soul | $1,690 | $141 |
| 4 | Nissan Kicks | $1,706 | $142 |
| 5 | Honda Passport | $1,724 | $144 |
| 6 | Buick Envision | $1,736 | $145 |
| 7 | Toyota Corolla Cross | $1,744 | $145 |
| 8 | Hyundai Venue | $1,760 | $147 |
| 9 | Mazda CX-5 | $1,766 | $147 |
| 10 | Ford Bronco Sport | $1,774 | $148 |
| 11 | Volkswagen Tiguan | $1,792 | $149 |
| 12 | Acura RDX | $1,810 | $151 |
| 13 | Nissan Murano | $1,820 | $152 |
| 14 | Buick Encore | $1,838 | $153 |
| 15 | Subaru Outback | $1,844 | $154 |
| 16 | Honda CR-V | $1,846 | $154 |
| 17 | Buick Envista | $1,850 | $154 |
| 18 | Volkswagen Taos | $1,854 | $155 |
| 19 | Kia Niro | $1,866 | $156 |
| 20 | Subaru Ascent | $1,882 | $157 |
| 21 | Toyota GR Corolla | $1,882 | $157 |
| 22 | Honda HR-V | $1,886 | $157 |
| 23 | Nissan Leaf | $1,896 | $158 |
| 24 | Chevrolet Colorado | $1,906 | $159 |
| 25 | Honda Civic | $1,916 | $160 |
| 26 | Lexus NX 250 | $1,918 | $160 |
| 27 | Volkswagen Atlas | $1,922 | $160 |
| 28 | Acura Integra | $1,926 | $161 |
| 29 | Subaru Forester | $1,928 | $161 |
| 30 | Volkswagen Atlas Cross Sport | $1,930 | $161 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Duluth, MN Zip Codes. Updated June 27, 2025
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 $1,724 per year for a full coverage policy to the Rivian R1S at $2,662 per year, a difference of $938 within that segment. As another example, in the large truck segment, insurance rates range from the Nissan Titan costing $2,026 per year up to the Toyota Tundra costing $2,578 per year, a difference of $552 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 $1,882 per year. Second place is the Nissan Leaf costing $1,896 per year, and the third cheapest is the Honda Civic, at an average of $1,916 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 $2,110 per year or less.
Additional models worth mentioning include the Volkswagen Arteon, Subaru Legacy, Toyota Crown, Nissan Versa, and Mitsubishi Mirage G4, which average between $2,110 and $2,238 to insure per year.
Full-coverage insurance for this segment in Duluth for an average middle-age driver will start around $157 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 $157 per month and ending with the Mazda 3 at $187 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,882 | $157 |
| Nissan Leaf | Compact | $1,896 | $158 |
| Honda Civic | Compact | $1,916 | $160 |
| Nissan Sentra | Compact | $1,984 | $165 |
| Subaru Impreza | Compact | $1,990 | $166 |
| Toyota Prius | Compact | $2,024 | $169 |
| Kia K5 | Midsize | $2,086 | $174 |
| Honda Accord | Midsize | $2,092 | $174 |
| Chevrolet Malibu | Midsize | $2,100 | $175 |
| Toyota Corolla | Compact | $2,110 | $176 |
| Kia Forte | Compact | $2,112 | $176 |
| Volkswagen Arteon | Midsize | $2,130 | $178 |
| Nissan Versa | Compact | $2,136 | $178 |
| Subaru Legacy | Midsize | $2,136 | $178 |
| Hyundai Ioniq 6 | Midsize | $2,154 | $180 |
| Mitsubishi Mirage G4 | Compact | $2,186 | $182 |
| Volkswagen Jetta | Compact | $2,188 | $182 |
| Toyota Crown | Midsize | $2,190 | $183 |
| Hyundai Sonata | Midsize | $2,196 | $183 |
| Mazda 3 | Compact | $2,238 | $187 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Duluth, MN Zip Codes. Updated June 26, 2025
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 $1,600 per year. Second place is the Chevrolet Trailblazer at $1,628 per year, and ranking third is the Kia Soul, at an average of $1,690 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 $1,774 per year or less.
Additional vehicles worth mentioning include the Nissan Murano, Buick Envista, Kia Niro, and Subaru Outback, which cost between $1,774 and $1,882 per year for insurance.
Car insurance rates in this segment starts at an average of $133 per month, depending on the company.
The lowest-cost compact SUV to insure in Duluth is the Subaru Crosstrek at $1,600 per year. For midsize models, the Honda Passport is the cheapest model to insure at $1,724 per year. And for large SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,034 per year.
The table below ranks the twenty SUVs with the most affordable auto insurance rates in Duluth, starting with the Subaru Crosstrek at $1,600 per year and ending with the Subaru Ascent at $1,882 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,600 | $133 |
| Chevrolet Trailblazer | Compact | $1,628 | $136 |
| Kia Soul | Compact | $1,690 | $141 |
| Nissan Kicks | Compact | $1,706 | $142 |
| Honda Passport | Midsize | $1,724 | $144 |
| Buick Envision | Compact | $1,736 | $145 |
| Toyota Corolla Cross | Compact | $1,744 | $145 |
| Hyundai Venue | Compact | $1,760 | $147 |
| Mazda CX-5 | Compact | $1,766 | $147 |
| Ford Bronco Sport | Compact | $1,774 | $148 |
| Volkswagen Tiguan | Compact | $1,792 | $149 |
| Nissan Murano | Midsize | $1,820 | $152 |
| Buick Encore | Compact | $1,838 | $153 |
| Subaru Outback | Midsize | $1,844 | $154 |
| Honda CR-V | Compact | $1,846 | $154 |
| Buick Envista | Midsize | $1,850 | $154 |
| Volkswagen Taos | Compact | $1,854 | $155 |
| Kia Niro | Compact | $1,866 | $156 |
| Subaru Ascent | Midsize | $1,882 | $157 |
| Honda HR-V | Compact | $1,886 | $157 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Duluth, MN Zip Codes. Updated June 27, 2025
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 $187 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 $2,276 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 $2,276 and $2,428 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 $161 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 $1,926 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the cheapest rates at $2,228 per year. And for large luxury car models, the Audi A5 has the cheapest rates at $2,574 per year.
The table below ranks the twenty cars with the lowest-cost insurance rates in Duluth, starting with the Acura Integra at $161 per month and ending with the Audi S3 at $202 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,926 | $161 |
| BMW 330i | Compact | $2,206 | $184 |
| Mercedes-Benz CLA250 | Midsize | $2,228 | $186 |
| Lexus IS 300 | Midsize | $2,232 | $186 |
| Acura TLX | Compact | $2,240 | $187 |
| Cadillac CT4 | Compact | $2,262 | $189 |
| Lexus ES 350 | Midsize | $2,262 | $189 |
| Genesis G70 | Compact | $2,268 | $189 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,272 | $189 |
| Lexus RC 300 | Midsize | $2,276 | $190 |
| Lexus IS 350 | Compact | $2,286 | $191 |
| Jaguar XF | Midsize | $2,292 | $191 |
| Cadillac CT5 | Midsize | $2,334 | $195 |
| Lexus ES 250 | Midsize | $2,342 | $195 |
| Lexus RC 350 | Compact | $2,350 | $196 |
| BMW 330e | Compact | $2,352 | $196 |
| BMW 228i | Compact | $2,356 | $196 |
| BMW 230i | Compact | $2,374 | $198 |
| Lexus ES 300h | Midsize | $2,378 | $198 |
| Audi S3 | Compact | $2,428 | $202 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Duluth, MN Zip Codes. Updated June 26, 2025
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 $1,810 per year, the Lexus NX 250 at $1,918 per year, and the Cadillac XT4 at $1,956 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 $2,088 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 $151 per month, depending on where you live.
The cheapest compact luxury SUV to insure in Duluth is the Acura RDX at $1,810 per year. For midsize luxury SUVs, the Jaguar E-Pace has the cheapest rates at $2,026 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $2,428 per year.
The comparison table below ranks the luxury SUVs with the lowest-cost auto insurance rates in Duluth.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,810 | $151 |
| Lexus NX 250 | Compact | $1,918 | $160 |
| Cadillac XT4 | Compact | $1,956 | $163 |
| Jaguar E-Pace | Midsize | $2,026 | $169 |
| Cadillac XT5 | Midsize | $2,044 | $170 |
| Lexus NX 350h | Compact | $2,044 | $170 |
| Lincoln Corsair | Compact | $2,068 | $172 |
| Mercedes-Benz GLB 250 | Compact | $2,072 | $173 |
| Lexus UX 250h | Compact | $2,078 | $173 |
| Lexus NX 450h | Compact | $2,088 | $174 |
| Infiniti QX50 | Midsize | $2,106 | $176 |
| Mercedes-Benz GLA250 | Compact | $2,110 | $176 |
| Mercedes-Benz GLA35 AMG | Compact | $2,118 | $177 |
| Cadillac XT6 | Midsize | $2,120 | $177 |
| Infiniti QX60 | Midsize | $2,132 | $178 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,134 | $178 |
| Land Rover Evoque | Compact | $2,162 | $180 |
| Acura MDX | Midsize | $2,164 | $180 |
| Lexus NX 350 | Compact | $2,172 | $181 |
| Lexus RX 350 | Midsize | $2,174 | $181 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Duluth, MN Zip Codes. Updated June 27, 2025
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 $2,004 per year, the Toyota GR86 at $2,282 per year, and the Ford Mustang at $2,382 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 $2,590 per year or less.
Full-coverage car insurance for this segment in Duluth for the average driver can cost as low as $167 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 $2,004 per year ($167 per month) and ending with the Porsche Taycan at $3,668 per year ($306 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,004 | $167 |
| Toyota GR86 | Sports Car | $2,282 | $190 |
| Ford Mustang | Sports Car | $2,382 | $199 |
| BMW Z4 | Sports Car | $2,392 | $199 |
| Subaru WRX | Sports Car | $2,426 | $202 |
| Toyota GR Supra | Sports Car | $2,434 | $203 |
| BMW M2 | Sports Car | $2,502 | $209 |
| Nissan Z | Sports Car | $2,510 | $209 |
| Lexus RC F | Sports Car | $2,560 | $213 |
| Subaru BRZ | Sports Car | $2,590 | $216 |
| BMW M3 | Sports Car | $2,736 | $228 |
| Porsche 718 | Sports Car | $2,788 | $232 |
| Chevrolet Camaro | Sports Car | $2,814 | $235 |
| Chevrolet Corvette | Sports Car | $3,000 | $250 |
| Porsche 911 | Sports Car | $3,102 | $259 |
| BMW M4 | Sports Car | $3,234 | $270 |
| Lexus LC 500 | Sports Car | $3,250 | $271 |
| Jaguar F-Type | Sports Car | $3,416 | $285 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,586 | $299 |
| Porsche Taycan | Sports Car | $3,668 | $306 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Duluth, MN Zip Codes. Updated June 27, 2025
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 $1,906 per year, the Nissan Titan at $2,026 per year, and the Nissan Frontier at $2,048 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 $2,228 per year or less.
Auto insurance rates in Duluth for this segment for the average driver starts at around $159 per month, depending on your company and location. The next table ranks the pickups with the lowest-cost car insurance in Duluth.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,906 | $159 |
| Nissan Titan | Full-size | $2,026 | $169 |
| Nissan Frontier | Midsize | $2,048 | $171 |
| Ford Ranger | Midsize | $2,070 | $173 |
| Ford Maverick | Midsize | $2,100 | $175 |
| Honda Ridgeline | Midsize | $2,150 | $179 |
| Hyundai Santa Cruz | Midsize | $2,184 | $182 |
| Toyota Tacoma | Midsize | $2,192 | $183 |
| GMC Sierra 2500 HD | Heavy Duty | $2,202 | $184 |
| GMC Canyon | Midsize | $2,228 | $186 |
| Jeep Gladiator | Midsize | $2,280 | $190 |
| GMC Sierra 3500 | Heavy Duty | $2,294 | $191 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,314 | $193 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,376 | $198 |
| GMC Sierra | Full-size | $2,392 | $199 |
| Chevrolet Silverado | Full-size | $2,394 | $200 |
| Nissan Titan XD | Heavy Duty | $2,394 | $200 |
| Ford F150 | Full-size | $2,422 | $202 |
| GMC Hummer EV Pickup | Full-size | $2,484 | $207 |
| Ram Truck | Full-size | $2,506 | $209 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Duluth, MN Zip Codes. Updated June 27, 2025
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 $2,422 per year ($202 per month) and has a range of $2,010 to $5,596 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 $2,110 per year ($176 per month) and ranges from $1,748 to $4,834 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 $1,946 per year, or about $162 per month, and has a range of $1,618 to $4,446 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 $2,328 per year, or around $194 per month, and ranges from $1,934 to $5,348 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 $2,382 per year ($199 per month) and has a range of $1,974 to $5,446 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 $574 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 $2,372 less per year to insure in Duluth than a Nissan GT-R. Choose cheaper models and save money.