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2024

Last updated:

Best Local Car Insurance Agencies in Duluth

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Duluth Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

54

Reviewed

35

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
613 1st Avenue, Two Harbors, MN 55616
  • Multiple Carriers

Why choose this provider?

Harbor Insurance Agency is an independent insurance firm serving Two Harbors and the surrounding neighborhoods, including Duluth. Its experienced and professional agents can connect vehicle owners with reputable insurance carriers. Clients can then select the protection they might need in the event of an emergency while on the road, based on their individual requirements and preferences. In addition to standard auto insurance, Harbor Insurance Agency also offers insurance products for other vehicles, including airplanes, boats, motorcycles, and motorhomes.

License Verified:

License: 20476908

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2631 West Superior Street, Duluth, MN 55806
  • Multiple Carriers

Why choose this provider?

Cartier Agency, Inc., is an independent insurance agency that utilizes technology investment and continues staff training to set up suitable insurance coverages for cars and recreational toys such as ATVs and motorcycles. Since its inception in 1979, the agency has served Duluth and the rest of the state. Decades later, the service area expanded all over the country. Cartier Agency, Inc., is involved with several community boards and service organizations.

License Verified:

License: 97

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (9)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2228 Mountain Shadow Drive, Duluth, MN 55811
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Why choose this provider?

Insurance Brokers of Minnesota is an independent insurance agency that has been serving residents of Duluth and the surrounding communities since 1998. Its team of expert insurance agents is proficient in building comprehensive car insurance policies, inclusive of coverage for collision and non-collision accidents, property damage and theft, and liability to others. They also offer supplementary coverage for medical payments, emergency road service, and uninsured motorist protection. Additionally, clients may avail of specialized insurance products, such as classic car coverage and RV insurance.

License Verified:

License: 20084231

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (10)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
601 Belknap Street, Superior, WI 54880
  • Motorcyle & ATV

Why choose this provider?

Working since 2002, Matt Thoreson is a State Farm insurance agent serving clients in Duluth. He reviews and assesses the auto policy plans of car owners, checking for any missing or underappreciated coverages like collision and medical liability. He can craft a personalized plan for drivers of all ages and backgrounds, from students to those with previous DUIs or violations. He also provides add-on plans for special cars such as classics or customized vehicles.

License Verified:

License: 7322657

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5713 Grand Avenue, Duluth, MN 55807
  • Multiple Carriers

Why choose this provider?

Holden Insurance Agency, Inc. - Duluth is an independently owned agency that can write all lines of insurance for commercial and personal needs, including car insurance. Since it was founded in 1931, the agency has built long-term relationships with 35 of the top national and regional insurers, such as American Modern, Auto-Owners Insurance, CNA Surety, Dairyland, and State Auto. Its agents help clients compare and shop for the right policy using quotes from multiple insurance carriers to get the best rates.

License Verified:

License: 20428260

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
501 South Lake Avenue, Duluth, MN 55802
  • Multiple Carriers

Why choose this provider?

Hanlon and Associates is a locally-owned and operated insurance agency that provides auto insurance policies to clients in Duluth. The agency represents insurance carriers such as Safeco Insurance and Metlife Auto and Home and helps clients find the right coverage for themselves and their vehicles. Its staff also assists clients in understanding the state's requirements and the coverage they have chosen. Hanlon and Associates also offers insurance for ATVs, snowmobiles, and motorcycles along with insurance for boats.

License Verified:

License: 40427458

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
31 North 21st Avenue West, Duluth, MN 55806
  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Dwight Swanstrom Company is a Duluth-based car insurance agency that has been serving the community since 1889. This independent insurance agency represents more than 17 insurance companies, which makes it convenient to customize policies that cover automobiles, motorcycles, and boats. The company ensures that clients' questions are always answered in person instead of being redirected to a website. Its roster of agents has a combined experience of more than 200 years. It also specializes in home and commercial business insurance.

License Verified:

License: 3983

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (21)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • How does the no-fault car insurance policy work in Duluth?

    Drivers in Duluth access compensation through their insurance, regardless of accident liability. This coverage focuses on injury costs, not property damages. They'll initially claim via their Personal Injury Protection. If injuries surpass PIP limits or certain conditions are met, they may target the other driver's insurance. However, claims under the no-fault rule should be filed within six months of the accident.

  • How can someone in Duluth who receives a speeding ticket find better insurance rates?

    For individuals in Duluth who've been handed a speeding ticket, comparing quotes from various insurance providers is beneficial since rates can differ. One might consider combining their home and auto insurance for bundling benefits. They could also enroll in paperless billing, set up automatic payments, or participate in safe-driving telematics programs. Furthermore, maintaining a ticket-free record or completing a defensive driving course can deter further premium hikes.

  • Why might female drivers in Duluth face higher car insurance rates than males?

    Female drivers in Duluth might face higher rates due to state-level ticket statistics and other considerations insurers evaluate. Factors such as the specific insurance company, age, driving history, and gender play a role in determining these rates. These combined factors can result in higher premiums even if female drivers often drive more cautiously.

  • When should drivers notify their insurance company after a car collision in Duluth?

    Following a car collision in Duluth, drivers must inform their insurance company immediately. If requested, they must, within 72 hours of the incident, share their insurance provider's name, address, and local agent's details either to the insurer of anyone involved or to a Peace Officer probing the event. They must always consult their insurance agency for guidance on civil and financial implications.

  • What do residents of Duluth need as proof of insurance when driving a car?

    In Duluth, drivers must carry proof of insurance, showcasing the policyholder's name, policy number, coverage dates, details about the insured vehicle, and the insurance provider's name. While they can present a digital version like a photo or screenshot, having a physical copy in the car is wise, especially if there's no cell service. Individuals must always be ready to show this to authorities if asked.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.