Commercial Auto insurance · Minnesota

Commercial Auto Insurance Agencies in Duluth, MN

Covers vehicles used for business, which personal auto policies exclude.

Local insight

Commercial Auto insurance in Duluth: what to know

Duluth has 87,093 residents in 37,447 households. We list 3 agencies for commercial auto insurance in Duluth. Here is what the local numbers say about the cover people here need.

Duluth at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in St. Louis County

FEMA rates the overall natural hazard risk in St. Louis County, where most Duluth agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

  • Winter weatherVery High
  • LightningVery High

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Duluth

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Minnesota

Minnesota requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $10,000 of property damage liability, often written 30/60/10. It also requires personal injury protection ($40,000), uninsured motorist coverage ($25,000 per person, $50,000 per accident) and underinsured motorist coverage ($25,000 per person, $50,000 per accident). Minnesota is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in DuluthHow much liability cover do you need?

Source: revisor.mn.gov. Checked 2026-10-24.

Where Duluth agencies are

Duluth agencies we list sit in 2 ZIP codes, mostly in St. Louis County.

  • 558022 agencies
  • 558071 agency

Questions

Commercial Auto insurance in Duluth

All insurance agencies in Duluth · Commercial Auto insurance across Minnesota

Where can I find commercial auto insurance in Duluth?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does commercial auto insurance cover?

Covers vehicles used for business, which personal auto policies exclude.

Do I need flood insurance in Duluth?

FEMA's National Risk Index rates inland flooding risk in St. Louis County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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Commercial Auto insurance near Duluth

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