For a 40-year-old driver with a clean record, Duluth car insurance averages about $204 a month ($2,445 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 9% below the Minnesota average of $223 a month. Travelers has the lowest full-coverage average of the six major insurers we compared (Allstate, American Family, Auto-Owners, GEICO, State Farm and Travelers), at about $145 a month.
Duluth is priced below the Minnesota average for our benchmark driver: about $19 a month less than the state average and about $49 a month less than in Minneapolis.
Our data covers nine ZIP codes with a Duluth mailing address, all priced within a few dollars of each other, from about $201 a month in 55807, 55810 and 55811 to $208 in 55803.
Cost data comes from the auto rates insurers file with state regulators, priced across all nine Duluth ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Duluth averages $2,445 a year, or about $204 a month, for our benchmark driver. Liability-only coverage at Minnesota’s 30/60/10 minimum averages $649 a year ($54 a month), and 50/100/50 liability with comprehensive and collision averages $2,401 ($200 a month).
Travelers has the lowest full-coverage average among the six insurers in our Duluth rate data. The published 2026 statewide Minnesota rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the six we checked put it first, apart from USAA, which sells only to military families. For liability-only coverage at 30/60/10 limits, Auto-Owners has the lowest average among the six major insurers we compared, at about $41 a month, with State Farm close behind at $43.
Full-coverage averages by insurer in Duluth
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/10 (Yearly): | Minimum Liability 30/60/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $554 | $46 | $1,743 | $145 |
| State Farm | $518 | $43 | $1,880 | $157 |
| Auto-Owners | $490 | $41 | $1,952 | $163 |
| American Family | $734 | $61 | $2,798 | $233 |
| GEICO | $712 | $59 | $2,881 | $240 |
| Allstate | $884 | $74 | $3,415 | $285 |
| USAA (military families)* | $466 | $39 | $1,890 | $158 |
| Nationwide* | $1,084 | $90 | $2,493 | $208 |
| North Star Mutual* | $525 | $44 | $3,047 | $254 |
| Duluth average | $649 | $54 | $2,445 | $204 |
This table uses Duluth ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the nine Duluth ZIP codes we price, full coverage for our driver ranges from about $201 a month in 55807, 55810 and 55811 to $208 in 55803, a gap of $85 a year.
Lowest-priced Duluth ZIP codes
Highest-priced Duluth ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Duluth’s average.
| ZIP Code: | Minimum Liability 30/60/10 (Yearly): | Minimum Liability 30/60/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 55803 | $635 | $53 | $2,496 | $208 | +2% |
| 55804 | $639 | $53 | $2,452 | $204 | About average |
| 55805 | $662 | $55 | $2,477 | $206 | +1% |
| 55806 | $665 | $55 | $2,479 | $207 | +1% |
| 55807 | $651 | $54 | $2,411 | $201 | -1% |
| 55808 | $651 | $54 | $2,418 | $202 | -1% |
| 55810 | $646 | $54 | $2,415 | $201 | -1% |
| 55811 | $640 | $53 | $2,417 | $201 | -1% |
| 55812 | $650 | $54 | $2,437 | $203 | About average |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $44 a year on average in our Duluth data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Duluth ZIP codes, their full-coverage average fell from $2,518 a year nine months earlier to $2,357 in rates as of Aug. 31, 2026, a 6.4% drop. American Family cut its Duluth average 20.9% and Auto-Owners 3.0%, while Allstate’s, State Farm’s and Travelers’ averages were about unchanged. GEICO is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Duluth average above. Liability-only coverage at 30/60/10 limits fell 8.0%, led by American Family, which cut its liability-only average 25.8%.
St. Louis County averages about $209 a month for full coverage, the 30th-most expensive of the 64 Minnesota counties we price.
Iron Range towns cost a little more than Duluth: Hibbing averages about $217 a month and Virginia $217, and Two Harbors, up the North Shore, $226. Minnesota insurers price by location as well as by driver and car, so your ZIP code can move your price.
More Minnesota cities and towns are in the Minnesota rates by city table, and you can compare states on our car insurance rates by state page.
Minneapolis, about 135 miles south, averages $253 a month, and St. Paul, about 135 miles south, $244.
Drivers in Duluth follow Minnesota’s rules. Every policy must include at least:
Our Minnesota requirements guide covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Minnesota law and the Minnesota Department of Commerce. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Duluth averages about $204 a month ($2,445 a year) and liability-only coverage about $54 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 9% below the Minnesota average of $223 a month.
Travelers has the lowest full-coverage average in our Duluth rate data, at about $145 a month, with State Farm close behind at $157. For liability-only coverage, Auto-Owners has the lowest average, at about $41 a month. Five of the six published 2026 statewide Minnesota rate studies we reviewed also rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Duluth, for our benchmark driver. Duluth full coverage averages about $204 a month and Minneapolis about $253, a difference of about $49 a month for the same driver and car.
In our data, 55807, 55810 and 55811 share the lowest full-coverage average in Duluth, at about $201 a month, and 55803 the highest, at about $208. The ZIP code table on this page lists all nine.
In our Duluth data, full coverage (100/300/100 with $500 deductibles) averages about $204 a month and liability-only coverage at 30/60/10 limits about $54, a difference of about $150 a month ($1,796 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Minnesota law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO is new over the past nine months), their Duluth full-coverage average fell 6.4%, from about $2,518 to $2,357 a year. That’s lower than the Duluth average of $2,445 because it leaves out GEICO. American Family cut its Duluth average 20.9% and Auto-Owners 3.0%. Liability-only coverage at 30/60/10 limits fell 8.0%.
For our benchmark driver, full coverage in Duluth averages about $204 a month. Nearby, Brooklyn Park averages about $264, St. Paul about $244 and Minneapolis about $253. Duluth is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
