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Auto Insurance in Duluth, MN

Local car insurance for Duluth. Pick your ZIP for the most local rates, or get free quotes now.

Short answer: car insurance in Duluth, MN depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
Duluth, MN
Population ~86,128 · Saint Louis County · Minnesota statewide average: ~$1,103/yr (NAIC, 2023).

Duluth ZIP codes

Car Insurance 55801
Car Insurance 55802
Car Insurance 55803
Car Insurance 55804
Car Insurance 55805
Car Insurance 55806
Car Insurance 55807
Car Insurance 55808

FAQ

How much is car insurance in Duluth, MN?

Duluth rates depend on your ZIP, coverage and profile; the Minnesota statewide average is about $1,103/yr (NAIC, 2023). Compare free car insurance quotes from licensed partners.

Which ZIP codes are covered in Duluth?

We list Duluth ZIP-level pages below; each shows local car insurance details and free quotes.