Duluth is a port city in Minnesota with a population of 279,000 is the metropolitan statistical area. It is also the economic and employment center for the area so the city sees a good deal of through traffic throughout the week. That, coupled with the tourist traffic the city sees, can mean drivers pay a higher rate of auto insurance than residents of other parts of the state. If you’ve seen your premiums rise over the past few years, it’s a good time to compare the growing number of options for cheap insurance Duluth can offer. The more you shop the more you save.