Best Cheap Auto Insurance in Bloomington, IN (2021)

The average Bloomington, IN auto insurance rates are $264 per month. The minimum auto insurance in Bloomington is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Bloomington, Indiana, 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

UPDATED: Jul 18, 2021

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Things to Remember

  • Average auto insurance rates in Bloomington, IN for senior drivers are $1,651 per year
  • The most expensive auto insurance company in Bloomington for teen drivers is Progressive
  • The cheapest auto insurance company in Bloomington is USAA

Bloomington, Indiana auto insurance requirements are 25/50/25 according to Indiana 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, Indiana, including driving record, credit, commute time, and more.

Compare auto insurance in Bloomington to other Indiana cities, including Indianapolis auto insurance rates, Bloomington auto insurance rates, and Fort Wayne auto insurance rates to see how Bloomington, Indiana auto insurance rates stack up.

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

Minimum Auto Insurance in Bloomington, Indiana

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

Minimum Required Auto Insurance Coverage in Bloomington, Indiana

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

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

Auto insurance rates in Bloomington, Indiana 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, Indiana

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 $2,397 $2,452 $2,109 $2,305 $7,451 $9,395 $2,427 $2,640
American Family $2,177 $2,177 $1,958 $1,958 $6,007 $8,693 $2,177 $2,675
Farmers $1,468 $1,449 $1,255 $1,409 $7,903 $8,437 $1,936 $2,093
GEICO $1,450 $1,439 $1,362 $1,412 $4,260 $3,948 $1,660 $1,456
Liberty Mutual $3,648 $3,648 $3,353 $3,353 $7,982 $12,050 $3,648 $5,000
Nationwide $1,517 $1,551 $1,332 $1,422 $4,383 $5,688 $1,776 $1,941
Progressive $1,700 $1,608 $1,541 $1,550 $10,076 $11,335 $2,136 $2,180
State Farm $1,456 $1,456 $1,303 $1,303 $4,490 $5,747 $1,615 $1,797
Travelers $1,092 $1,111 $1,025 $1,025 $6,747 $10,673 $1,155 $1,333
USAA $1,088 $1,068 $1,017 $1,019 $3,089 $3,438 $1,467 $1,562

Cheap Bloomington, Indiana Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Bloomington, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,451 $9,395
American Family $6,007 $8,693
Farmers $7,903 $8,437
GEICO $4,260 $3,948
Liberty Mutual $7,982 $12,050
Nationwide $4,383 $5,688
Progressive $10,076 $11,335
State Farm $4,490 $5,747
Travelers $6,747 $10,673
USAA $3,089 $3,438

Cheap Bloomington, Indiana Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Bloomington, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,109 $2,305
American Family $1,958 $1,958
Farmers $1,255 $1,409
GEICO $1,362 $1,412
Liberty Mutual $3,353 $3,353
Nationwide $1,332 $1,422
Progressive $1,541 $1,550
State Farm $1,303 $1,303
Travelers $1,025 $1,025
USAA $1,017 $1,019

Cheap Bloomington, Indiana 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, Indiana compared to the annual auto insurance rates with a clean record in Bloomington, Indiana.

Annual Bloomington, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,103 $4,568 $4,218 $3,700
American Family $2,396 $3,826 $4,835 $2,854
Farmers $2,903 $3,384 $3,485 $3,203
GEICO $1,388 $2,197 $2,987 $1,923
Liberty Mutual $4,158 $4,905 $7,696 $4,583
Nationwide $2,111 $2,715 $2,604 $2,375
Progressive $3,007 $5,283 $3,589 $4,183
State Farm $2,338 $2,569 $2,338 $2,338
Travelers $2,567 $3,169 $3,590 $2,753
USAA $1,294 $1,849 $2,124 $1,607

Cheap Bloomington, Indiana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Bloomington, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,218
American Family $4,835
Farmers $3,485
GEICO $2,987
Liberty Mutual $7,696
Nationwide $2,604
Progressive $3,589
State Farm $2,338
Travelers $3,590
USAA $2,124

Cheap Bloomington, Indiana Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Bloomington, Indiana

Insurance Company Poor Fair Good
Allstate $4,825 $3,598 $3,268
American Family $4,759 $3,089 $2,586
Farmers $3,783 $3,088 $2,861
GEICO $2,554 $2,124 $1,694
Liberty Mutual $7,104 $4,624 $4,277
Nationwide $2,789 $2,358 $2,206
Progressive $4,424 $3,923 $3,700
State Farm $3,491 $2,082 $1,614
Travelers $3,361 $2,850 $2,848
USAA $2,312 $1,531 $1,313

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Cheap Bloomington, Indiana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Bloomington, Indiana

ZIP Code Average Annual Rates
47401 $3,072
47403 $3,044
47404 $3,098
47405 $3,070
47406 $3,122
47408 $3,090

Cheap Bloomington, Indiana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Bloomington, Indiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,897 $3,897
American Family $3,436 $3,520
Farmers $3,244 $3,244
GEICO $2,088 $2,159
Liberty Mutual $5,194 $5,477
Nationwide $2,451 $2,451
Progressive $4,016 $4,016
State Farm $2,328 $2,464
Travelers $3,020 $3,020
USAA $1,696 $1,741

Cheap Bloomington, Indiana Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Bloomington, Indiana

Insurance Company Low Medium High
Allstate $3,713 $3,882 $4,096
American Family $3,439 $3,593 $3,402
Farmers $3,131 $3,238 $3,362
GEICO $1,993 $2,117 $2,260
Liberty Mutual $5,145 $5,319 $5,541
Nationwide $2,489 $2,431 $2,433
Progressive $3,799 $3,955 $4,294
State Farm $2,278 $2,395 $2,514
Travelers $2,958 $3,048 $3,054
USAA $1,657 $1,714 $1,784

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Best By Category: Cheapest Auto Insurance in Bloomington, Indiana

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

Best Annual Auto Insurance Rates by Company in Bloomington, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Bloomington, Indiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Bloomington, Indiana

Insurance Company Average Annual Rates
Allstate $3,897
American Family $3,478
Farmers $3,244
GEICO $2,124
Liberty Mutual $5,335
Nationwide $2,451
Progressive $4,016
State Farm $2,396
Travelers $3,020
USAA $1,718

What affects auto insurance rates in Bloomington, Indiana?

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

Bloomington Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Bloomington, Indiana auto theft statistics, there have been 132 auto thefts in the city.

Bloomington Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bloomington, Indiana commute length is 16.6 minutes according to City-Data.

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Compare Bloomington, Indiana Auto Insurance Quotes

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