Best Cheap Auto Insurance in Bloomington, MN (2021)

The average Bloomington, MN auto insurance rates are $399 per month. The minimum auto insurance in Bloomington is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Bloomington, Minnesota, 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

  • The minimum auto insurance required in Bloomington, Minnesota is 30/60/10
  • The average commute length in Bloomington is 21.9 minutes
  • Average auto insurance rates in Bloomington, MN for senior drivers are $3,158 per year

Bloomington, Minnesota auto insurance requirements are 30/60/10 according to Minnesota 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, Minnesota, including driving record, credit, commute time, and more.

Compare auto insurance in Bloomington to other Minnesota cities, including Duluth auto insurance rates, Woodbury auto insurance rates, and St. Paul auto insurance rates to see how Bloomington, Minnesota auto insurance rates stack up.

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

Minimum Auto Insurance in Bloomington, Minnesota

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

Minimum Required Auto Insurance Coverage in Bloomington, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Bloomington, Minnesota 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, Minnesota

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 $3,366 $3,366 $3,254 $3,254 $7,714 $11,086 $4,107 $4,286
American Family $2,323 $2,323 $2,115 $2,115 $6,474 $9,222 $2,323 $2,595
Farmers $2,327 $2,328 $2,231 $2,376 $6,976 $7,112 $3,076 $3,057
GEICO $2,582 $2,555 $2,454 $2,385 $5,752 $7,250 $2,413 $2,540
Liberty Mutual $10,135 $10,135 $10,041 $10,041 $19,454 $28,941 $10,135 $13,912
Nationwide $2,120 $2,108 $1,894 $1,996 $5,616 $6,743 $2,514 $2,591
State Farm $1,727 $1,727 $1,568 $1,568 $3,991 $4,883 $2,000 $1,641
USAA $1,774 $1,735 $1,633 $1,606 $4,862 $5,251 $2,294 $2,403

Cheap Bloomington, Minnesota Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Bloomington, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,714 $11,086
American Family $6,474 $9,222
Farmers $6,976 $7,112
GEICO $5,752 $7,250
Liberty Mutual $19,454 $28,941
Nationwide $5,616 $6,743
State Farm $3,991 $4,883
USAA $4,862 $5,251

Cheap Bloomington, Minnesota Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Bloomington, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,254 $3,254
American Family $2,115 $2,115
Farmers $2,231 $2,376
GEICO $2,454 $2,385
Liberty Mutual $10,041 $10,041
Nationwide $1,894 $1,996
State Farm $1,568 $1,568
USAA $1,633 $1,606

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

Annual Bloomington, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,610 $5,336 $6,468 $4,803
American Family $2,486 $4,436 $5,009 $2,815
Farmers $3,158 $3,965 $4,025 $3,593
GEICO $2,341 $3,688 $5,427 $2,509
Liberty Mutual $10,008 $14,003 $21,600 $10,786
Nationwide $2,552 $3,367 $3,859 $3,013
State Farm $2,171 $2,605 $2,388 $2,388
USAA $1,998 $2,562 $3,843 $2,375

Cheap Bloomington, Minnesota Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Bloomington, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,468
American Family $5,009
Farmers $4,025
GEICO $5,427
Liberty Mutual $21,600
Nationwide $3,859
State Farm $2,388
USAA $3,843

Cheap Bloomington, Minnesota Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Bloomington, Minnesota

Insurance Company Poor Fair Good
Allstate $7,391 $4,028 $3,744
American Family $5,111 $3,313 $2,635
Farmers $4,557 $3,358 $3,142
GEICO $4,188 $3,431 $2,855
Liberty Mutual $19,642 $12,714 $9,942
Nationwide $3,807 $3,072 $2,714
State Farm $3,483 $2,129 $1,553
USAA $4,163 $2,086 $1,835

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Cheap Bloomington, Minnesota Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Bloomington, Minnesota

ZIP Code Average Annual Rates
55420 $3,801
55425 $3,800
55431 $3,686
55437 $3,539
55438 $3,510

Cheap Bloomington, Minnesota Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Bloomington, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,054 $5,054
American Family $3,644 $3,729
Farmers $3,685 $3,685
GEICO $3,442 $3,540
Liberty Mutual $13,701 $14,498
Nationwide $3,198 $3,198
State Farm $2,320 $2,456
USAA $2,660 $2,729

Cheap Bloomington, Minnesota Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Bloomington, Minnesota

Insurance Company Low Medium High
Allstate $4,978 $5,052 $5,133
American Family $3,661 $3,784 $3,614
Farmers $3,545 $3,703 $3,808
GEICO $3,363 $3,493 $3,618
Liberty Mutual $13,685 $14,115 $14,498
Nationwide $2,995 $3,226 $3,372
State Farm $2,274 $2,400 $2,491
USAA $2,604 $2,693 $2,787

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Best By Category: Cheapest Auto Insurance in Bloomington, Minnesota

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

Best Annual Auto Insurance Rates by Company in Bloomington, Minnesota

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

The Cheapest Bloomington, Minnesota Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Bloomington, Minnesota

Insurance Company Average Annual Rates
Allstate $5,054
American Family $3,686
Farmers $3,685
GEICO $3,491
Liberty Mutual $14,099
Nationwide $3,198
State Farm $2,388
USAA $2,695

What affects auto insurance rates in Bloomington, Minnesota?

There are a lot of reasons why auto insurance rates in Bloomington, Minnesota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Bloomington, Minnesota. 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, Minnesota commute length is 21.9 minutes according to City-Data.

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Compare Bloomington, Minnesota Auto Insurance Quotes

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