🏠 Home insurance cost in Duluth, MN (2026)
Estimated average: $2,318 per year — +1% vs. the U.S. average of $2,300.
$2,318
Est. home insurance in Duluth
per year
$2,415
Minnesota average
$2,300
U.S. average
86,697
Population
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Duluth home insurance estimator
Estimated$1,460/year
Starts from the Duluth estimate. Get quotes to confirm your price.
Duluth home insurance FAQ
How much is home insurance in Duluth, MN?
The estimated average is $2,318 per year — below the state average (-4% vs. the Minnesota average of $2,415, and +1% vs. the U.S. average).
Is home insurance more expensive in Duluth than elsewhere in Minnesota?
Duluth has about 86,697 residents. Larger metro areas usually see different rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Duluth?
Compare at least three quotes from insurers active in Duluth, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.