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Get Cheap Car Insurance in Duluth, KY
We monitor insurance prices, helping the average driver in Duluth save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Duluth
The chart below shows the cheapest car insurance company in Duluth for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Travelers, and Geico.
| Duluth Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $60 |
| State Farm | $60 |
| Travelers | $88 |
| Geico | $94 |
Savings for Every Kind of Duluth Driver
Based on our extensive insurance data, we know the average Duluth driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $531 per year by choosing the right vehicle insurance company. Some Duluth residents are paying out over $2,104 extra every year for auto insurance in Duluth. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Duluth, KY Savings / Yr. |
|---|---|
$531 |
|
$871 |
|
$858 |
|
$868 |
|
$1,717 |
|
$575 |
|
$921 |
Duluth Car Insurance vs. Kentucky
People living in Duluth pay an average of 1.42% less than the typical driver in the state. The average driver in Duluth can expect to pay about $1,083 per year, or $2,104 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Duluth for most people.
Car Insurance Prices by Duluth Neighborhood
Insurance Prices
Where is insurance cheapest within Duluth?
The map shows insurance prices in and around Duluth, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $174 per year within the city boundaries, with insurance premiums ranging from a high of $2,251 to a low of $2,077. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the North parts of Duluth.Pick the Best Car Insurance Company for You in Duluth
The best car insurance provider for most drivers in Duluth
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $531 over the average Duluth car insurance company.
The best car insurance provider for Duluth drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $871 over the competition.
The best car insurance company for Duluth drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $858 better than other car insurance companies.
The best auto insurance for Duluth drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $868 less each year.
The least expensive car insurance company for new and young drivers in Duluth
In Duluth, State Farm costs young drivers $1,717 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Duluth
State Farm gave the largest car insurance discounts to married couples, averaging $575 saved each year compared to an average Duluth couple's premiums.
The cheapest car insurance in Duluth for drivers with bad credit
The best Duluth car insurance company for customer service
Recent price drops
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The cheapest large national provider in Duluth
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Duluth driver can expect to pay about $144 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Duluth, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, young drivers, and good drivers.Auto Insurance Prices in and Around Duluth
What Influences the Cost of Car Insurance in Duluth?
On average, car insurance in Duluth is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Duluth is 33 minutes, which is about the national average for a driver in the state.
- Kentucky state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Duluth are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Duluth is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Duluth is $90 per month for minimum coverage and $175 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Hisel: Insurance costs 4.85% more
- Morrill: Insurance costs 1.66% more
- Kingston: Insurance costs 2.85% less
- Berea: Insurance costs 1.90% less
- Kerby Knob: Insurance costs 6.99% more
- Waco: Insurance costs 0.24% less
- Speedwell: Insurance costs 0.86% more
- Whites: Insurance costs 1.71% less
- Eglon: Insurance costs 17.44% more
- Terrill: Insurance costs 2.33% less
Cities with Similar Populations
- Alta: Insurance costs 10.22% less
- Wyoming: Insurance costs 40.02% less
- Argonia: Insurance costs 25.81% less
- Augusta: Insurance costs 29.37% less
- Austin: Insurance costs 36.12% less
- Balsam Grove: Insurance costs 41.44% less
- Balsam: Insurance costs 43.06% less
- Bangs: Insurance costs 47.72% less
- Bankston: Insurance costs 25.90% less
- Lane: Insurance costs 26.81% less