RV & Motorhome Insurance Agencies in Duluth, MN

Duluth at a glance

• 3rv & motorhome insurance agencies listed
• 40.6%of households rentRenters insurance
• $242,700median home valueHome insurance
• 1951median year homes were builtRebuild cost calculator
• 10.2%of households have no carAuto insurance

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.

• 558072 agencies
• 558021 agency