Car Insurance in Duluth

Freezing winters and wildlife in the area make car insurance in Duluth a must.
Compare, shop and customize quotes from top-rated insurance carriers.

Protect Your Family With Good Car Insurance

If your family lives in Duluth, you have pristine nature right in your backyard. This city of 90,000 is nestled on the shore of Lake Superior, with 16 miles of lakeshore and 9,100 acres of forest and parks. You can take your kids to the Great Lakes Aquarium, go for a stroll along Canal Park's Duluth Lakewalk or visit one of the city's 162 parks. With so much beauty everywhere, do you need car insurance in Duluth?

Natural Dangers

In a way, having good car insurance is essential in Duluth because of the natural surroundings. Car accidents involving deer are all too common in the area. In 2022, there were at least 20 reported crashes with wildlife and many other accidents likely occurred without reporting them to police. To be protected in this type of situation, you need car insurance with good collision coverage.

Dangerous Weather

If you've lived in Duluth for a while, freezing winters don't come as a surprise. The average low in January is nearly 0 F, and below-zero temperatures are common ” a whopping 170 days a year ” roughly six months. The city gets 70 inches of snow annually, way more than the 28-inch U.S. average.

The heavy snowfall is mainly due to living so close to Lake Superior. Snowstorms, icy roads and blizzards are a regular part of life. You can't control the weather, but you use VIU by HUB to compare car insurance in Duluth and make sure your policy has good collision coverage and personal injury protection.

Believe the Car Accident Statistics

It's not always easy to accept that the place where you live is risky to drive around, especially a place this nice. Unfortunately, the statistics don't lie. Just in 2022, there were about 2,000 accidents in Duluth. That's comparable to cities such as Rochester, except Duluth has a much smaller population.

The number of alcohol-related crashes in the area is especially shocking. The region had about 1,200 DWIs in 2022, the same as Anoka County, which has a population of almost 370,000 people. To keep your family safe, you need to invest in coverage for medical expenses, car repairs and similar damages.

Stay Safe on Your Commute

Following good driving habits can help you avoid problems on the way to work or school as well. The average commute in Duluth is about 15 minutes, suggesting that many families work locally. The majority, 75%, drive a vehicle to work, with only 3% using public transportation.

If your family is like many local households, you own multiple cars. About 60% own two or three vehicles. When you shop around for car insurance, keep your family's circumstances in mind. The coverage that a teen driver needs is usually different than what an office employee needs. Doctors have a different routine than welders, and so on.

Find the Right Car Insurance in Duluth

There are many ways to customize car insurance coverage. You can choose between different insurers, add various types of coverage, such as comprehensive for storm damage or theft, and decide on your coverage limits. A larger policy isn't always better ” it's more important to focus on covering the risks your family faces regularly.

The average cost of car insurance in Duluth is about $1,500 a year, which is similar to the rest of Minnesota. What the city lacks in traffic volume, it makes up for in dangerous driving conditions. Use VIU by HUB to compare a variety of auto insurance possibilities right away.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


City of Duluth

MN Department of Public Safety

Data USA

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