{"id":43717,"date":"2023-06-12T15:03:31","date_gmt":"2023-06-12T22:03:31","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=43717"},"modified":"2023-06-12T16:20:12","modified_gmt":"2023-06-12T23:20:12","slug":"duluth-car-insurance","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/minnesota\/duluth-car-insurance\/","title":{"rendered":"Duluth Car Insurance"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_632a1e693e41c\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Everything You Need to Know about Auto Insurance in Minnesota<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Located on the western tip of Lake Superior, Duluth is the fourth largest city in Minnesota, with close to 100,000 residents. It is rich in nature opportunities, starting with Lake Superior, the largest freshwater lake in the world. Visitors and residents can also hang out at Canal Park and its lively shopping and restaurant scene. Engel Park is also a <span style=\"white-space:nowrap;\">must-visit<\/span>, with its <span style=\"white-space:nowrap;\">80-foot-tall<\/span> observation tower offering majestic views of greater Duluth and Lake Superior.<\/p>\n<p>Duluth&#8217;s most popular attractions include Lake Superior, Canal Park, Enger Park, Tower, and the Glensheen Mansion.<\/p>\n<p>All Duluth drivers must have an active auto insurance policy. Failure to show proof of insurance at a traffic stop will result in a driver&#8217;s license\/registration suspension, fines, and possible vehicle impoundment. Keep reading to learn more about <u><a href=\"https:\/\/www.freeway.com\/auto-insurance\/minnesota\/\">car insurance in Minnesota<\/a><\/u>, including average monthly premiums paid by ZIP code, factors determining rates, and discounts to help lower your premium.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_642330a36a2af\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Much Does Car Insurance Cost in Duluth, MN?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>The average monthly payment paid by Duluth residents is $50 for <a href=\"https:\/\/www.freeway.com\/auto-insurance\/state-requirements\/\">state minimum liability<\/a> and $130 for <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/full-coverage\/\">full coverage<\/a>, which is above the Minnesota average of $100 and below the national average of $140.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Get a Quote for Car Insurance in Minnesota Today!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_642330cc6a2b0\">\n    <div class=\"o-wrapper \">\n        \n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">What Does it Mean if Minnesota is <span style=\"white-space:nowrap;\">No-Fault<\/span>?<\/h3>\n<p>Minnesota is a <span style=\"white-space:nowrap;\">no-fault<\/span> state, which means each driver&#8217;s insurance company is responsible for helping to pay for their own damages and medical expenses. This works differently than in <span style=\"white-space:nowrap;\">at-fault<\/span> states, where the insurance companies of drivers responsible for the accident pay all or a percentage of damages for others.<\/p>\n<p>Insurance can be more expensive in a <span style=\"white-space:nowrap;\">no-fault<\/span> state because, in most cases, drivers are required to carry some additional form of medical coverage, as well as <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/uninsured-motorist\/\">uninsured motorist coverage<\/a>.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_632a1eec3e41e\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">Affordable Car Insurance Rates Comparison by Cities in Minnesota<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>For the average monthly premium paid in other Minnesota cities, check out our breakdown below:<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td><strong>Duluth<\/strong><\/td>\n                                                                                            <td><strong>$130<\/strong><\/td>\n                                                                                            <td><strong>$50<\/strong><\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Grand Rapids<\/td>\n                                                                                            <td>$170<\/td>\n                                                                                            <td>$60<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Minneapolis<\/td>\n                                                                                            <td>$150<\/td>\n                                                                                            <td>$60<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Rockford<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Saint Paul<\/td>\n                                                                                            <td>$160<\/td>\n                                                                                            <td>$60<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_632a1fb53e420\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Affordable Duluth Car Insurance Rates by Zip Code<\/h3>\n<p>Auto insurance rates vary based on the driver&#8217;s zip code. For example, densely populated urban areas like New York City and Los Angeles see higher premiums than sparsely populated areas in the Midwest, thanks to higher theft, crime, and claims rates.<\/p>\n<p>For the average monthly premium paid by Duluth residents by zip code, see our breakdown below:<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>55369<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55802<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55803<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55804<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55805<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55806<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55807<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55808<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55810<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55811<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55812<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_632a20b13e421\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Low-Cost Car Insurance Rates by Age in Duluth<\/h3>\n<p>Age is a key deciding factor in determining auto insurance premiums, with <u><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/car-insurance-for-teens\/\">younger drivers<\/a><\/u> generally paying higher premiums than older drivers. Auto insurance companies classify younger drivers as higher risk thanks to higher claims activity, less experience on the road, and similar factors that elevate their risk profile.<\/p>\n<p>For the average monthly premium paid by Duluth residents by age, see our breakdown below:<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$330<\/td>\n                                                                                            <td>$120<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$150<\/td>\n                                                                                            <td>$60<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$120<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$110<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$110<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$140<\/td>\n                                                                                            <td>$60<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"c-state-table__text\">\n                    \n\n                            <p><p><strong><em>Methodology:<\/em><\/strong> <em>We based our listed average monthly premiums paid by Duluth drivers on a <span>30-year-old<\/span> male with state minimum liability. Keep in mind that every driver pays a different rate based on their age, gender, discount eligibility, and how policies are structured (e.g., high deductibles, low liability limits, and vice versa).<\/em><\/p>\n<\/p>\n\n                                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_632a21e53e423\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Duluth<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Fatal Accidents Happen in Duluth?<\/h3>\n<p>In 2020, there were four fatal road traffic accidents in Duluth involving seven vehicles. Of these accidents, nine people were involved.<\/p>\n<h3 style=\"text-align: left;\">How Are the Road Infrastructure and Bridges in Duluth?<\/h3>\n<p>The city of Duluth, Minnesota&#8217;s Public Works and Utilities Department is responsible for city maintenance services, with ongoing projects to optimize natural gas, street lighting, pavement repair, stormwater, and other public utilities which enable safer transport throughout the region.<\/p>\n<p>One of its busiest divisions is the Street Maintenance division, which works overtime in reversing the effects of extreme Minnesota winters with ongoing sidewalk repair, gravel road, roadside debris, snow, and ice management.<\/p>\n<p>For more information on Duluth Public Works and Utilities Department, visit <u><a href=\"https:\/\/duluthmn.gov\/public-works-utilities\/\" target=\"_blank\" rel=\"noopener\">City of <span style=\"white-space:nowrap;\">Duluth &#8211; Minnesota &#8211; Public<\/span> Works &amp; Utilities<\/a><\/u>.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_632a226d3e424\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Duluth<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>To drive legally in Minnesota, all drivers must carry the following:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/bodily-injury\/\">Bodily Injury Coverage<\/a> per Person\/Per Accident:<\/strong> $30,000\/$60,000<\/li>\n<li><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/property-damage\/\">Property Damage<\/a> Per Accident:<\/strong> $10,000<\/li>\n<li><strong>Uninsured Motorist Coverage Per Person\/Two or More People:<\/strong> $25,000\/$50,000<\/li>\n<li><strong>Underinsured Motorist Coverage for Per Person\/Two or More People:<\/strong> $25,000\/$50,000<\/li>\n<li><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/no-fault\/\">Personal Injury Protection<\/a>:<\/strong> $40,000<\/li>\n<\/ul>\n<p>Keep in mind that these are only minimum liability requirements. Many drivers choose to purchase additional coverage with collision and comprehensive, which provides <span style=\"white-space:nowrap;\">first-party<\/span> benefits to drivers. Collision coverage pays for damages from collision and comprehensive pays for <span style=\"white-space:nowrap;\">non-collision-related<\/span> events such as theft, vandalism, natural disasters, and falling objects.<\/p>\n<p>Expect greater peace of mind on the road by paying several hundred dollars more per year for full coverage over a <u><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/liability\/\"><span style=\"white-space:nowrap;\">liability-only<\/span> policy<\/a><\/u>.<\/p>\n<p>To protect yourself in Minnesota, we highly recommend that you are here for the following:<\/p>\n<ul>\n<li><strong>Maintain Personal Injury Protection (PIP) Coverage.<\/strong> One of the benefits of PIP is that it helps cover medical expenses resulting from an auto accident, no matter who is at fault. Minnesota requires a minimum PIP of $20,000 for medical care and $20,000 for lost income for every involved person in an accident.<\/li>\n<li><strong>Practice Safe Driving.<\/strong> The best way to protect yourself against accidents in <span style=\"white-space:nowrap;\">no-fault<\/span> states like Minnesota is to practice defensive driving techniques and follow all traffic laws. This helps minimize the chances of you being involved in a collision and engaging your auto insurance company, which could drive up the cost of premiums down the road.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote c-quick-office\">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                                                <img decoding=\"async\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/office-quote.svg\" alt=\"Image office\" class=\"c-quick-small__img\">\n                                \n                <h2 class=\"c-quick-small__title c-quick-small__title--blue\">Find an office near you to help with your auto insurance<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form\" action=\"https:\/\/locations.freeway.com\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Search by Zip Code, City or State<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote \" type=\"text\"  name=\"search\" id=\"address\" maxlength=\"50\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" name=\"latitude\" value=\"\">\n                    <input type=\"hidden\" name=\"longitude\" value=\"\">\n                    <input type=\"hidden\" name=\"radio\" value=\"20\">\n                    <input type=\"hidden\" name=\"time\" value=\"open-any\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--blue-green c-button--text-big\" type=\"submit\">Find<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_632a22c83e425\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Duluth, MN?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Drivers caught <u><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/driving-without-insurance\/\">driving without proof of insurance<\/a><\/u> in Duluth will see the following:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>90-day license\/registration suspension<\/li>\n<li>Fines from $200 to $1,000 for first and second offenses<\/li>\n<li>Fines from $200 to $3,000 for third and subsequent offenses<\/li>\n<li>$30 reinstatement fee<\/li>\n<li>Possible required community service and\/or up to 90 days in jail (depending on the severity of the offense)<\/li>\n<\/ul>\n<p>Fortunately, a suspension can be lifted once you show proof of insurance to the state&#8217;s Department of Motor Vehicles.<\/p>\n<p>On top of that, you will be required to file for an <u><a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\"><span style=\"white-space:nowrap;\">SR-22<\/span><\/a><\/u> certificate, a proof of financial responsibility that lets the state know you&#8217;re carrying the minimum required liability coverage. This will automatically force your rates to go up. Expect them to stay elevated for at least three years before gradually lowering back down, assuming you maintain a clean driving record.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_643f320565ee2\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Duluth Car Insurance Rates<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>There are many factors auto insurance companies use to determine the premiums you pay.<\/p>\n<p>These factors include but are not limited to:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Age<\/li>\n<li>Gender<\/li>\n<li>Zip code of residence<\/li>\n<li>Occupation<\/li>\n<li>Driving record<\/li>\n<li>Deductible amount<\/li>\n<li>Discount program eligibility<\/li>\n<li>Type of vehicle<\/li>\n<\/ul>\n<p>Do not underestimate your vehicle&#8217;s make and model. Vehicles that are more expensive to repair or have higher theft rates usually have higher premiums.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_64820bf3aff00\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Happens if I Damage Property?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>In Minnesota, if you cause damage to another driver&#8217;s property in an accident, expect your auto insurance policy to cover damages up to specified liability limits. Unfortunately, with Minnesota&#8217;s minimum property damage liability of only $10,000, insurance will only pay out up to $10,000, with any excess damages paid out of your pocket if you are determined to be at fault.<\/p>\n<p>Suppose you are inadequately insured and cause damage to another driver&#8217;s vehicle or property (e.g., house or mailbox). In that case, that driver reserves the right to file a lawsuit to recover all damages.<\/p>\n<p>To choose the proper coverage limits in an <span style=\"white-space:nowrap;\">at-fault<\/span> state, assess the estimated costs of property damage repairs or replacement in your area. For example, suppose you live in a dense urban area with heavy traffic congestion. In that case, there is a greater likelihood of a future property damage claim due to a minor\/major vehicle collision, so choose a higher property damage liability limits (e.g., $100,000).<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_632a233b3e427\" class=\"c-section \">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">What are the Best Discounts for Car Insurance in Duluth, Minnesota<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>Duluth drivers can benefit from discounts to save on auto insurance.<\/p>\n<p>Three popular discounts include <span style=\"white-space:nowrap;\">multi-policy<\/span>, safe driver, and good student discounts. <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/multi-policy-discounts\/\"><span style=\"white-space:nowrap;\">Multi-policy<\/span><\/a> discounts are awarded to policyholders with two or more policies under the same insurer (e.g., auto and homeowners insurance). <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/good-driver-discounts\/\">Safe driver<\/a> discounts are extended to drivers with clean driving records free of <span style=\"white-space:nowrap;\">at-fault<\/span> accidents, traffic violations, or claims within the past three to five years.<\/p>\n<p>Lastly, <a href=\"https:\/\/www.freeway.com\/auto-insurance\/college-student-drivers\/\">good student<\/a> discounts are precisely what they imply. Maintaining a high GPA lets insurers know you&#8217;re less likely to engage in risky driving behaviors, reducing the chances of getting into an accident. Expect to qualify if you are a <span style=\"white-space:nowrap;\">full-time<\/span> student under 25 with a 3.0+ GPA with varying criteria depending on the insurer.<\/p>\n<p>Other discounts available to Duluth drivers include:<\/p>\n                <\/div>\n            \n                            <div class=\"c-saving-features\">\n                    <ul class=\"o-list-bare c-saving-features__list\">\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/anti-theft.svg\" alt=\"Pink icon of a thief\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/anti-theft-car-discount\/\">Anti-theft device installation discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/military.svg\" alt=\"Green icon of a military man\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/military-discounts\/\">Military discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/01\/Full-premium.svg\" alt=\"Money in hand icon\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/customer-retention-discount\/\">Customer retention discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/08\/Low-Mileage-Insurance-Discount.svg\" alt=\"Low Mileage Insurance Discount\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/low-mileage-insurance-discount\/\">Low-mileage discount<\/a><\/p>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n                        \n            \n        <\/div>\n    <\/div>\n<\/section>\n\n\n<br><br>\n\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_632a28e83e42e\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block  \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get an Online Quote for Car Insurance in Duluth Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2023\/06\/Duluth.jpg\" alt=\"Duluth is on the Shores of Lake Superior in Far North Minnesota.\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>If you are curious and interested in exploring new auto insurance options, we have plenty of <u><a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\">affordable <\/a><\/u>policies to consider, including state minimum liability and full coverage insurance.<\/p>\n<p>Getting in touch with Freeway Insurance is easy. To get started, visit us <u><a href=\"#modal-turbo\">online<\/a><\/u>, visit a Duluth <u><a href=\"https:\/\/locations.freeway.com\/?search=Duluth,+MN&#038;latitude=&#038;longitude=&#038;radio=200&#038;time=open-any\" target=\"_blank\" rel=\"noopener\">office<\/a><\/u> near you, or call <a href=\"tel:800-777-5620\"><span style=\"white-space:nowrap;\">800-777-5620<\/span><\/a> for a free, <span style=\"white-space:nowrap;\">no-obligation<\/span> consultation with one of our friendly representatives. Let Freeway Insurance put you on the fast track toward lower premiums today!<\/p>\n                <\/div>\n                                            <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-big\" href=\"#modal-turbo\"  target=\"_self\"  >\n                                                                            Get Started                                        <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":40135,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43717"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=43717"}],"version-history":[{"count":5,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43717\/revisions"}],"predecessor-version":[{"id":44584,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43717\/revisions\/44584"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/40135"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=43717"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}