Best Cheap Auto Insurance in Bloomington, IL (2021)

The average Bloomington, IL auto insurance rates are $244 per month. The minimum auto insurance in Bloomington is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Bloomington, Illinois, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Bloomington for teen drivers is Farmers
  • The minimum auto insurance required in Bloomington, Illinois is 25/50/20
  • Average auto insurance rates in Bloomington, IL for senior drivers are $1,655 per year

Bloomington, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Bloomington can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Bloomington, Illinois, including driving record, credit, commute time, and more.

Compare auto insurance in Bloomington to other Illinois cities, including Rockford auto insurance rates, Waukegan auto insurance rates, and Aurora auto insurance rates to see how Bloomington, Illinois auto insurance rates stack up.

Before you buy Bloomington, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Bloomington, Illinois auto insurance quotes.

Minimum Auto Insurance in Bloomington, Illinois

Bloomington, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Bloomington, Illinois.

Minimum Required Auto Insurance Coverage in Bloomington, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Bloomington, Illinois Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Bloomington, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Bloomington, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,868 $2,880 $3,005 $3,005 $7,546 $9,834 $3,452 $3,734
American Family $2,137 $2,137 $1,964 $1,964 $6,171 $8,498 $2,137 $2,764
Farmers $2,200 $2,197 $1,949 $2,064 $9,610 $10,015 $2,518 $2,631
GEICO $1,475 $1,501 $1,419 $1,713 $4,613 $4,804 $1,860 $1,777
Liberty Mutual $1,292 $1,392 $1,073 $1,195 $4,330 $4,811 $1,353 $1,427
Nationwide $1,308 $1,327 $1,174 $1,236 $3,510 $4,469 $1,516 $1,632
Progressive $1,909 $1,793 $1,580 $1,647 $7,268 $8,147 $2,285 $2,489
State Farm $1,338 $1,338 $1,205 $1,205 $3,995 $5,050 $1,517 $1,755
Travelers $1,660 $1,750 $1,521 $1,619 $4,925 $6,182 $1,761 $1,854
USAA $1,387 $1,405 $1,296 $1,272 $4,481 $4,914 $1,813 $1,981

Cheap Bloomington, Illinois Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Bloomington, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Bloomington, Illinois.

Annual Auto Insurance Rates for Teen Drivers in Bloomington, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,546 $9,834
American Family $6,171 $8,498
Farmers $9,610 $10,015
GEICO $4,613 $4,804
Liberty Mutual $4,330 $4,811
Nationwide $3,510 $4,469
Progressive $7,268 $8,147
State Farm $3,995 $5,050
Travelers $4,925 $6,182
USAA $4,481 $4,914

Cheap Bloomington, Illinois Auto Insurance for Seniors

What are senior auto insurance rates in Bloomington, Illinois? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Bloomington, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,005 $3,005
American Family $1,964 $1,964
Farmers $1,949 $2,064
GEICO $1,419 $1,713
Liberty Mutual $1,073 $1,195
Nationwide $1,174 $1,236
Progressive $1,580 $1,647
State Farm $1,205 $1,205
Travelers $1,521 $1,619
USAA $1,296 $1,272

Cheap Bloomington, Illinois Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Bloomington, Illinois compared to the annual auto insurance rates with a clean record in Bloomington, Illinois.

Annual Bloomington, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,214 $5,522 $5,169 $4,257
American Family $2,549 $3,634 $4,813 $2,890
Farmers $3,498 $4,519 $4,406 $4,169
GEICO $1,745 $2,342 $3,322 $2,172
Liberty Mutual $1,759 $2,493 $2,191 $1,994
Nationwide $1,647 $2,104 $2,457 $1,878
Progressive $2,786 $4,171 $3,085 $3,516
State Farm $1,978 $2,373 $2,176 $2,176
Travelers $2,115 $2,782 $3,086 $2,653
USAA $1,654 $2,381 $3,244 $1,995

Cheap Bloomington, Illinois Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Bloomington, Illinois is not easy. Compare the annual rates for DUI auto insurance in Bloomington, Illinois to find the best deal.

Annual Auto Insurance Rates After a DUI in Bloomington, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,169
American Family $4,813
Farmers $4,406
GEICO $3,322
Liberty Mutual $2,191
Nationwide $2,457
Progressive $3,085
State Farm $2,176
Travelers $3,086
USAA $3,244

Cheap Bloomington, Illinois Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Bloomington, Illinois annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Bloomington, Illinois

Insurance Company Poor Fair Good
Allstate $5,770 $4,189 $3,663
American Family $4,601 $3,147 $2,667
Farmers $4,709 $3,965 $3,771
GEICO $3,835 $1,881 $1,469
Liberty Mutual $2,973 $1,866 $1,488
Nationwide $2,398 $1,952 $1,715
Progressive $3,843 $3,282 $3,045
State Farm $3,164 $1,894 $1,469
Travelers $3,236 $2,620 $2,121
USAA $3,074 $2,125 $1,757

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Cheap Bloomington, Illinois Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Bloomington, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Bloomington, Illinois to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Bloomington, Illinois

ZIP Code Average Annual Rates
61701 $2,843
61702 $3,046
61704 $2,819
61705 $2,864

Cheap Bloomington, Illinois Auto Insurance Rates By Commute

Commute length and annual mileage affect Bloomington, Illinois auto insurance. Find the cheapest annual Bloomington, Illinois auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Bloomington, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,540 $4,540
American Family $3,427 $3,515
Farmers $4,148 $4,148
GEICO $2,353 $2,437
Liberty Mutual $2,109 $2,109
Nationwide $2,022 $2,022
Progressive $3,390 $3,390
State Farm $2,120 $2,231
Travelers $2,554 $2,764
USAA $2,254 $2,383

Cheap Bloomington, Illinois Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Bloomington, Illinois? Check out the comparison of annual Bloomington, Illinois auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Bloomington, Illinois

Insurance Company Low Medium High
Allstate $4,419 $4,537 $4,666
American Family $3,328 $3,599 $3,487
Farmers $3,943 $4,048 $4,453
GEICO $2,184 $2,390 $2,611
Liberty Mutual $2,003 $2,106 $2,219
Nationwide $2,005 $2,039 $2,021
Progressive $3,149 $3,385 $3,636
State Farm $2,055 $2,180 $2,291
Travelers $2,503 $2,656 $2,817
USAA $2,143 $2,316 $2,496

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Best By Category: Cheapest Auto Insurance in Bloomington, Illinois

Compare the cheapest auto insurance companies in Bloomington, Illinois in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Bloomington, Illinois

Category Insurance Company
Teenagers Nationwide
Seniors Liberty Mutual
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

The Cheapest Bloomington, Illinois Auto Insurance Companies

What auto insurance companies in Bloomington, Illinois are the cheapest? Compare the top Bloomington, Illinois auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Bloomington, Illinois

Insurance Company Average Annual Rates
Allstate $4,540
American Family $3,471
Farmers $4,148
GEICO $2,395
Liberty Mutual $2,109
Nationwide $2,022
Progressive $3,390
State Farm $2,176
Travelers $2,659
USAA $2,318

What affects auto insurance rates in Bloomington, Illinois?

There are a lot of reasons why auto insurance rates in Bloomington, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Bloomington, Illinois. Many local factors may affect your Bloomington auto insurance rates.

Bloomington Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bloomington, Illinois commute length is 15.8 minutes according to City-Data.

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Compare Bloomington, Illinois Auto Insurance Quotes

Before you buy Bloomington, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Bloomington, Illinois auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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