LOCAL BENCHMARK · SPARSE
Insurance in Duluth, MN.
Every business below was observed on Google Maps for "insurance agent" targeted at Duluth. Review counts, ratings, and ranks are from the IMPIOUS benchmark snapshot (internal benchmark, Apr 2026).
MEDIAN REVIEWS — TOP 3
20
P25 — MIN TO COMPETE
3
AVG RATING — TOP 3
4.68
DENSITY TIER
SPARSE
TOP-3 MEDIAN REFERRING DOMAINS
128
TOP-3 MEDIAN DFS RANK
118
AI MENTIONS — TOP 3 CITED
0 / 3
AI PLATFORMS
none
| # | BUSINESS | REVIEWS | RATING | REF. DOMAINS | AI CITED |
|---|---|---|---|---|---|
| 1 | Cover Pro Insurance Agency MN | 1 | 5.0★ | — | — |
| 1 | Young & Associates Insurance | 60 | 4.7★ | 128 | — |
| 1 | Northwestern Mutual | 17 | 4.5★ | 4 | — |
| 2 | Hanlon and Associates Insurance Agency | 285 | 5.0★ | 108 | — |
| 2 | Gallagher Insurance, Risk Management & Consulting | 3 | 5.0★ | 3652 | — |
| 3 | J3 Insurance | 20 | 4.4★ | 133 | — |
| 4 | Cartier Insurance | 12 | 4.5★ | — | — |
| 4 | Farmers Insurance - Bonnie Jacobson | 104 | 4.9★ | — | — |
| 5 | North Shore Insurance | 0 | 0.0★ | — | — |
| 5 | Otis-Magie Insurance Inc | 5 | 5.0★ | — | — |
| 5 | Duluth Senior Benefits | 0 | 0.0★ | — | — |
Market read
The Duluth insurance market shows 92% spam content among top-3 providers (internal benchmark, Apr 2026), indicating review authenticity challenges outpace competitive differentiation. Top-3 median reviews sit at 20 with 4.68 average rating, while GBP completeness averages only 51/100—suggesting incomplete profiles despite strong review volume. Review velocity remains modest at 0.75/month across leaders. The SPARSE density tier confirms limited competitive saturation. Backlink authority concentrates heavily, with top-3 median referring domains at 130.5, yet AI citations show zero mentions in ChatGPT responses for "best insurance agent in Duluth, MN." For p25 entrants targeting top-3 positioning, the path requires simultaneous gains: establishing review velocity above 0.75/month, reducing spam-to-legitimate ratios, completing GBP profiles beyond 51/100, and building referring domain authority near 130 to gain algorithmic visibility in both search and AI-assisted discovery channels.
See "The Review Gap Is Smaller Than Everyone Thinks" for the cross-city pattern and "What the Top-3 Actually Have on Their Backlink Profile" for the backlink + AI-citation breakdown.