Allstate Insurance Agent
Christopher Gardner, Duluth, MN

4001 Grand Ave

Duluth, MN 55807

Call

(218) 628-8002to quote by phone

Call

(218) 628-8002to quote by phone

Call

(218) 628-8002to quote by phone

Call

(218) 628-8002to quote by phone

Select a product to get a quote

ATV insurance

Location Details

Office Hours

Day of the Week	Hours
Mon	8:00 AM - 5:00 PM
Tue	8:00 AM - 5:00 PM
Wed	8:00 AM - 5:00 PM
Thu	8:00 AM - 5:00 PM
Fri	8:00 AM - 5:00 PM
Sat	Closed
Sun	Closed

Available 24/7 at

(218) 628-8002

4001 Grand Ave
Duluth, MN 55807
US

Landmarks

In West Duluth we are across the street from The Tortoise and The Hare Shoe Store at the Intersection of 40th Ave. W & Grand Avenue.

Areas Served

Duluth MN, Superior WI, Cloquet MN, Ashland, WI, Proctor, MN, Two Harbors, MN, Virginia, MN, Ely, MN, Iron River, WI, Bayfield, WI, Floodwood, MN, Esko, MN, Hermantown, MN, Silver Bay, MN, Grand Marais, MN, Hibbing, MN, Hayward, WI, Lake Nebagamon, WI, Solon Springs, WI

Additional Contact

Fax: (833) 679-5552

Toll Free: (800) 295-2444

Languages

English

Social

Christopher Gardner: Allstate Insurance

You can view my financial industry experience and background at FINRA’s BrokerCheck

Local Allstate Insurance Agent: Christopher Gardner

As an Allstate Agent in the Duluth / Superior and surrounding area since 2000, my knowledge and understanding of the people in this community help me provide customers with an outstanding level of service. This is a great area for anyone who loves the outdoors! My family and I enjoy Hiking, Fishing, Hunting, Camping, Skiing and everything that this wonderful place has to offer (which seems endless). Oh, and don't forget we have one of the worlds best beaches down on Park Point where we love to walk our dog and take a swim.

The Duluth Community where I opened my office in 2000 has given me so much and I try to give back as much as possible. Through the Good Hands Program we have supported many Local Non-Profits by donating our time, raising awareness and helping them by donating funds. Helping people is a big reason I got into insurance. I get to help people protect what is most important in their lives, whether it is auto and home insurance or saving for college and retirement. It is so rewarding and I take their trust in me very seriously - plus, I get to make new friends and share in their ups and downs and lend a hand in some way when they need me most!

Please call or stop by my office in West Duluth just off 40th and Grand Ave. We would love to help in any way we can!

Products we offer:

Car Insurance Agent in Duluth
Car Insurance Agent in Duluth
Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer uninsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, optional coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
get a quote
Home Insurance Agent in Duluth
Home Insurance Agent in Duluth
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
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Condo Insurance Agent in Duluth
Condo Insurance Agent in Duluth
Helps protect the portion of your condo, co-op or townhome for which you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
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Renters Insurance Agent in Duluth
Renters Insurance Agent in Duluth
Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
get a quote
Motorcycle Insurance Agent in Duluth
Motorcycle Insurance Agent in Duluth
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
get a quote
Business Insurance Agent in Duluth
Business Insurance Agent in Duluth
Allstate Business Insurance protects your business in ways other insurance might not. A business owners policy (BOP) usually includes three common types of coverage to help protect you and your small business: property coverage, general liability coverage and business interruption coverage. In addition to these basic coverages, the Allstate Business Owners Policy can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business and your employees.
Life Insurance Agent in Duluth
Life Insurance Agent in Duluth
Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
ATV Insurance Agent in Duluth
ATV Insurance Agent in Duluth
Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
get a quote
Boat Insurance Agent in Duluth
Boat Insurance Agent in Duluth
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!

20+

Years of
Experience

25+

Years in the
Community

Your Local Allstate Team

Shannon Gardner

Office Manager/Sales Leader

Shannon is our Agency Manager and Sales Leader. She and her husband, Chris, started this agency together in the year 2000! She loves the coaching aspect of her job and the team-oriented environment of our offices. When she's not a

Connor Gray

Agency Manager & Sales Leader

Connor joined our team in 2020 because he wanted to join an industry that helps people prepare for the unexpected. A self-proclaimed journeyman, he's stationed out of our Central Entrance office and loves learning something new every day. Outside of work, he enjoys playing basketball and coaching East High School's team, participating in youth groups at his Lincoln Park church or disc golfing with his wife. If you stop by our office to see Connor, ask to see the "Chief Smile Officer."

Paul Wilson

Customer Service Representative

Paul has lived in the community since 2015 and joined our agency in 2021. He graduated from St. Olaf College in 1995 where he studied history and social studies education. He is passionate about helping people and learning something new every day. Paul is married and has 2-year-old son. Outside of the office, he enjoys reading, Muay Thai, watching movies and spending time with his son. Give him a call today!

Allstate Insurance Agent Reviews

william alworth

Jun. 2, 2026

Perfect 10! Always responsive and clear in setting expectations, answering questions, and making modifications.

Agent Response

Thank you, William, for your wonderful feedback! W

Thank you, William, for your wonderful feedback! We're thrilled to hear that our responsiveness and clarity met your expectations. Your satisfaction is our priority, and we're grateful for your trust in us. If you ever need anything, feel free to reach out.

Have an amazing day!

Chris Gardner

ardis williams

Apr. 22, 2026

I am very happy. My premium has gone down from my previous insurance provider and I have better coverage. Thankfully, I

I am very happy. My premium has gone down from my previous insurance provider and I have better coverage. Thankfully, I have not had any need for any damage replacement.

Agent Response

Thank you, Ardis, for sharing your positive experi

Thank you, Ardis, for sharing your positive experience with us! We're thrilled to hear that you're enjoying better coverage at a lower premium. It's great to know that you haven't needed any damage replacement, and we're here to support you whenever you need us. Your satisfaction is our priority!

We have several In Network Pro-Shops that guarantee their work for life should you need help in the future.

Thank you for taking the time to review our Local Duluth Allstate Agency!

Have a great day -

Chris Gardner

chris mathews

Apr. 2, 2026

Agent Response

Thank you, Chris, for the 5 Star Review! We're thr

Thank you, Chris, for the 5 Star Review! We're thrilled to hear that you had a great experience with us. As a valued customer, your trust and satisfaction mean the world to us. If you ever need assistance, feel free to reach out.

Have an amazing day!

Chris Gardner

lylas scheff

Mar. 25, 2026

After hail damage Allstate covered all my new roofing and gutters. Wonderful. I’m in good hands with Allstate!! Tha

After hail damage Allstate covered all my new roofing and gutters. Wonderful. I’m in good hands with Allstate!! Thanks!!

Agent Response

Thank you, Lylas, for sharing your positive experi

Thank you, Lylas, for sharing your positive experience with us! We're thrilled to hear that you felt well-supported after the hail damage. It's great to know you feel in good hands with Allstate. If you ever need assistance in the future, we're here to help!

Have an amazing day!

Chris Gardner

sadie lerol

Mar. 19, 2026

Agent Response

Hi Sadie, thank you for sharing your feedback. We

Hi Sadie, thank you for sharing your feedback. We value your input - please feel free to reach out to ChrisGardner@allstate.com or text us at 218-722-2444 anytime for further assistance. Your satisfaction is important to us!

Have a great day!

Chris Gardner

brian fredrickson

Mar. 13, 2026

Nothing to add at this time.

Agent Response

Thank you, Brian, for your feedback and the excell

Thank you, Brian, for your feedback and the excellent rating! We're delighted to have you as a valued customer and are here whenever you need us.

Have a great day!

Chris Gardner

cheryl winter

Mar. 13, 2026

Always get back to me promptly. They provide what I need and even though insurance is expensive I can't find any compet

Always get back to me promptly. They provide what I need and even though insurance is expensive I can't find any competitors.

Agent Response

Thank you, Cheryl, for your feedback and for being

Thank you, Cheryl, for your feedback and for being a valued customer. We're glad to hear that our prompt service meets your needs. We understand that insurance can be costly, and we appreciate your trust in us. If you have any further questions or need assistance, feel free to reach out.

We appreciate you - Have an amazing day!

Chris Gardner

ted wallace

Mar. 6, 2026

They are always ready to take of what we need

Agent Response

Thank you, Ted, for your kind words and for being

Thank you, Ted, for your kind words and for being a valued customer. We're thrilled to hear that our team is always ready to meet your needs. Your trust in us is greatly appreciated!

Have an amazing day!

Chris Gardner

mary ann monge

Feb. 28, 2026

Agent Response

Thank you, Mary Ann, for your positive feedback an

Thank you, Mary Ann, for your positive feedback and for being a valued customer. We appreciate you and your continued business as well as your trust in our Local Duluth, MN Allstate Agency! We are grateful -

Have an amazing day,

Chris Gardner

nicole braun

Feb. 15, 2026

Agent Response

Thank you, Nicole, for your positive feedback! We

Thank you, Nicole, for your positive feedback! We are delighted to hear that you had a wonderful experience with us. Our local Duluth, MN office is committed to providing exceptional service. If you ever need assistance, please feel free to reach out.

Have an amazing day!

Chris Gardner

kathleen mckeever

Feb. 9, 2026

Very nice to do dealings with, and nice to talk to.

Agent Response

Thank you, Kathleen, for your kind words and for b

Thank you, Kathleen, for your kind words and for being a valued customer. We're delighted to hear that you find our team pleasant to work with. Your satisfaction is important to us!

Have a wonderful day!

Chris Gardner

timothy perala

Feb. 1, 2026

Agent Response

Thank you, Tim, for your positive feedback! We at

Thank you, Tim, for your positive feedback! We at Allstate - The Gardner Agency are thrilled to hear that you had a great experience with us. Your trust and satisfaction are our top priorities. If you ever need assistance or have any questions, please don't hesitate to reach out. We appreciate your support and continued business!

Have a wonderful day!

Chris Gardner

deeletra fragale

Jan. 24, 2026

Agent Response

Thank you, Deeletra, for your positive feedback an

Thank you, Deeletra, for your positive feedback and for being a valued customer. We're glad to know you're satisfied with our services. If you have any suggestions or need assistance, feel free to reach out to ChrisGardner@allstate.com. Your trust means a lot to us!

Have an amazing day!

Chris Gardner

greg ruberg

Jan. 17, 2026

Very good service as always

Agent Response

Thank you so much, Greg, for your kind words and f

Thank you so much, Greg, for your kind words and for being such a valued customer! We're absolutely thrilled to hear that you consistently receive great service. Your trust in us means the world to us at the Gardner Agency!

Have a super day -

Chris Gardner

connie constantine

Jan. 8, 2026

Mr Gardner has proven to be a very considerate and professional person who has always been available to assist and answe

Mr Gardner has proven to be a very considerate and professional person who has always been available to assist and answer questions.

Agent Response

Thank you, Connie, for your kind words and for bei

Thank you, Connie, for your kind words and for being a valued customer. We're delighted to hear that our Local Duluth, MN Allstate Office has been able to assist you with professionalism and care. Your trust means a lot to us!

Have an amazing day!

Chris Gardner

kevin carr

Jan. 7, 2026

I was with Christopher Gardner for about 20 years. He and his staff was always took time to answer my questions and wor

I was with Christopher Gardner for about 20 years. He and his staff was always took time to answer my questions and work to get me the best value for my insurance needs.

Agent Response

Thank you, Kevin, for being a valued customer! We'

Thank you, Kevin, for being a valued customer! We're thrilled to hear that we have consistently provided you with attentive service and great value at the Allstate - Gardner Agency. Your trust and satisfaction mean the world to us -

Have a super day!

Chris Gardner

kim keuning

Jan. 6, 2026

Agent Response

Thank you, Kim, for your positive feedback and for

Thank you, Kim, for your positive feedback and for being a valued customer of Christopher Gardner: Allstate Insurance. We're thrilled to know that our service has met your expectations. Your trust and satisfaction are our top priorities. If you ever need assistance, feel free to reach out.

Have an amazing day!

Chris Gardner

robert snidarich

Dec. 19, 2025

Agent Response

Thank you, Robert, for your feedback and for being

Thank you, Robert, for your feedback and for being a valued customer. We're glad to hear about your positive experience with our agency. If there's anything we can do for you - please feel free to reach out to ChrisGardner@allstate.com. Your satisfaction is important to us.

Have a wonderful day,

Chris Gardner

sandra taenzer

Dec. 18, 2025

Both my husband & I have had extremely positive experience with Chris Gardner.

Agent Response

Thank you, Sandra, for sharing your positive exper

Thank you, Sandra, for sharing your positive experience. We're thrilled to hear that you satisfied with our services. Your feedback is invaluable, and we look forward to continuing to meet your insurance needs.

Have a wonderful day,

Chris Gardner

kirby wood

Dec. 18, 2025

Always very helpful and knowledgible

Agent Response

Thank you, Kirby, for your kind words and the perf

Thank you, Kirby, for your kind words and the perfect rating! We're grateful to hear that you find our team helpful and knowledgeable. Your trust means a lot to us. If you ever need assistance, feel free to reach out.

Have an amazing day,

Chris Gardner

Allstate Online Review Policy

Your Local Allstate Team

Shannon Gardner

Office Manager/Sales Leader

Connor Gray

Agency Manager & Sales Leader

Paul Wilson

Customer Service Representative

Frequently asked questions

What are your agency hours?

Monday: 8:00 AM - 5:00 PM
Tuesday: 8:00 AM - 5:00 PM
Wednesday: 8:00 AM - 5:00 PM
Thursday: 8:00 AM - 5:00 PM
Friday: 8:00 AM - 5:00 PM
Saturday: Closed
Sunday: Closed

Are you open on weekends?

Saturday: Closed
Sunday: Closed

Can I text your agency with questions?

Yes, we have text messaging services.

What languages do you speak?

We have staff members available who speak the following languages: English

Do you have more than one location?

No, this is our only location.

Christopher Gardner is insurance licensed in the state(s) of Minnesota and Wisconsin. If you do not reside in the state(s) of Minnesota or Wisconsin, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.

Based on coverages selected. Subject to terms, conditions, availability & qualifications.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate North American Insurance Co. and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 151 North 8th Street, Suite 450, Lincoln, NE 68508. (877) 232-2142.

Check the background of this firm on FINRA's BrokerCheck website.

you're in good hands^®