Cheapest Car Insurance Quotes in Duluth

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Duluth Car Insurance

^$ 44

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Duluth

The car insurance rate in Duluth is $1231 for a six-month policy, which is $205 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Duluth can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Duluth

$1231

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Duluth

1st place: Country Financial

At $449 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $592 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $791 for six months, making it the third cheapest auto insurance company in Duluth.

Duluth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Duluth, GA is Country Financial, offering policies at just $449 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $592.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1724 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Duluth drivers find the best deals.

Cheap Car Insurance Companies in Duluth, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$449	$77
Auto-Owners Insurance Co	$592	$98
Farm Bureau	$791	$134
Georgia Farm Bureau	$870	$145
Auto-Owners	$1268	$214
USAA	$1312	$221
Progressive	$1547	$260
Mercury	$1597	$266
Allstate	$1682	$283
Esurance P&C Ins Co	$1718	$287
State Farm	$1724	$290

Key Takeaways

Way's key takeaways about car insurance in Duluth

The auto insurance costs in Duluth fall around $449 for six months.
The cheapest auto insurance company in Duluth is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Duluth at $1476 per month.

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Cheapest Minimum Liability Car Insurance in Duluth

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Duluth are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Duluth. Their Average 6 Month Premium is $264. Allstate is the most expensive at $905 for the same period.

Cheapest Liability Coverage in Duluth, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$264	$44
Farm Bureau	$335	$56
Georgia Farm Bureau	$356	$60
Auto-Owners	$427	$72
Mercury	$427	$72
Country Financial	$456	$77
USAA	$478	$80
Progressive	$528	$89
Central Insurance	$556	$92
State Farm	$820	$138
Allstate	$905	$152

Cheapest Full Coverage Car Insurance in Duluth

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Duluth is Country Financial at $77 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Duluth, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$449	$77
Auto-Owners Insurance Co	$592	$98
Farm Bureau	$791	$134
Georgia Farm Bureau	$870	$145
Auto-Owners	$1268	$214
USAA	$1312	$221
Progressive	$1547	$260
Mercury	$1597	$266
Allstate	$1682	$283
Esurance P&C Ins Co	$1718	$287
State Farm	$1724	$290

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Average Car Insurance in Duluth by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Duluth, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Duluth, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Duluth's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Duluth

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$852
30s	Georgia Farm Bureau	$682
40s	Georgia Farm Bureau	$654
50s	Georgia Farm Bureau	$626
60s	Georgia Farm Bureau	$622
70s	Georgia Farm Bureau	$752

Cheapest Car Insurance Rates for Teen Drivers in Duluth,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Duluth at $62 per month. At $8767 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$378	$62
Mercury	$449	$77
Country Financial	$535	$90
Central Insurance	$556	$95
USAA	$2110	$355
Auto-Owners	$2317	$390
Georgia Farm Bureau	$2417	$403
Farm Bureau	$2524	$430
State Farm	$6251	$1052
Allstate	$6287	$1058
Progressive	$8767	$1476

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Duluth.

As young drivers face the highest rates in Duluth, Georgia Farm Bureau offers the cheapest auto insurance rates at $852 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Duluth, Country Financial is the cheapest car insurance provider. At $371 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Duluth is State Farm, offering rates of around $5382 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$371	$61
Mercury	$434	$74
Farm Bureau	$791	$132
USAA	$1718	$292
Progressive	$2652	$442
Auto-Owners	$2788	$474
Allstate	$3036	$506
State Farm	$5382	$916

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Car Insurance Rates with An Accident in Duluth

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Duluth, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Duluth

The cheapest car insurance companies after an at-fault accident in Duluth include AutoOwners Insurance Co and Country Financial, offering $392 and $606, respectively. Allstate is an expensive provider with an average six-month premium of $2580.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$392	$65
Country Financial	$606	$102
Encompass	$670	$112
Central Insurance	$734	$125
Farm Bureau	$870	$145
Georgia Farm Bureau	$1069	$182
Auto-Owners	$1084	$182
USAA	$1162	$196
Progressive	$2146	$361
State Farm	$2174	$366
Allstate	$2580	$434

Duluth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Duluth GA. For example, the car insurance in Duluth after a DUI increases to $1297 for a six month policy. While the rate increases by $407 for a six-month policy in the case of a speeding ticket.

Duluth auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1525	$254
One Med/PIP claim	$1525	$259
One comp claim	$1532	$256
Two Med/PIP claims	$1532	$260
Not-at-fault accident	$1540	$257
Two comp claims	$1561	$265
Driving without lights	$1840	$306
Failure to wear a seat belt	$1840	$313
Child safety restraint	$1860	$310
Failure to show documents	$1860	$317
Cell phone violation	$1903	$317
Texting while driving	$1903	$324
Driving too slowly	$1932	$322
Speeding 6 - 10 MPH over limit	$1932	$329
Speeding in school zone	$1932	$322
Speeding 11 - 15 MPH over limit	$1939	$330
Driving with expired registration	$1946	$324
Failure to yield	$1946	$331
Following too closely	$1946	$324
Illegal turn	$1946	$331
Failure to stop at a red light	$1954	$325
Improper passing	$1954	$332
Speeding 16 - 20 MPH over limit	$1954	$325
Wrong way/wrong lane	$1954	$332
Speeding 21 - 25 MPH over limit	$1974	$329
Passing school bus	$2010	$342
In 65 MPH zone	$2017	$336
Open container	$2046	$348
At-fault accident - less than $1000	$2053	$342
Operating a vehicle without permission	$2081	$354
At-fault accident - $1000-$2000	$2238	$373
At-fault accident - greater than $2000	$2252	$383
Refusal to submit to a chemical test	$2638	$439
Reckless driving	$2716	$462
Racing	$2780	$463
Driving with a suspended license	$2788	$474
DUI	$2822	$470
Leaving scene of an accident/hit and run	$2894	$492

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Duluth after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Duluth.

The cheapest car insurance premiums in Duluth are offered by Mercury at $456 for a six-month policy. However, it can be as expensive as $2053 with companies like Progressive.

Duluth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$456	$78
Auto-Owners Insurance Co	$592	$98
Country Financial	$642	$108
Esurance P&C Ins Co	$884	$148
Auto-Owners	$1411	$238
Farm Bureau	$1532	$256
USAA	$1661	$280
Georgia Farm Bureau	$1718	$287
State Farm	$1860	$313
Allstate	$1967	$331
Progressive	$2053	$346

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Duluth are offered by AutoOwners Insurance Co at $306. However, it can be as expensive as $2330 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Duluth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$306	$52
Country Financial	$335	$56
Mercury	$478	$82
Farm Bureau	$870	$145
Auto-Owners	$1062	$180
USAA	$1154	$192
State Farm	$1511	$257
Allstate	$2053	$342
Progressive	$2330	$396

Car Insurance Price Trends in Duluth, Georgia

Car insurance rates in Duluth have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Duluth rose by $270 in December compared to $265 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Duluth rose to $86 in December, compared to $82 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Duluth?

The car insurance in Duluth is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Duluth?

The cheapest car insurance in Duluth is $77 per month for full coverage.

How much is car insurance in Duluth for teenagers?

Car insurance for teenagers costs $378 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Duluth?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $206 per month to insure your car in Duluth.

Is car insurance expensive in Duluth?

Car insurance can be expensive in Duluth if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Duluth can be affordable.

Cheapest Car Insurance Quotes in Duluth

Why you can trust Way?

How Much Is Car Insurance in Duluth

Avg. Car Insurance in Duluth

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Duluth

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Duluth Car Insurance Rates by Company

Cheap Car Insurance Companies in Duluth, GA

Way's key takeaways about car insurance in Duluth

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Duluth

Cheapest Liability Coverage in Duluth, GA

Cheapest Full Coverage Car Insurance in Duluth

Cheapest Full Coverage Car Insurance Quotes in Duluth, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Duluth by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Duluth, GA increasing?

Car Insurance Premiums by Age in Duluth

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Duluth,GA

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Duluth.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Duluth

Cheapest Car Insurance Companies after an At-Fault Accident in Duluth

Duluth Car Insurance Rates by Violation

Duluth auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Duluth after a DUI

Duluth car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Duluth after Speeding ticket

Car Insurance Price Trends in Duluth, Georgia

Average Car Insurance Cost in Duluth by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Duluth, GA

Car Insurance Rates by State in the USA (2025 Update)

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