Table of contents
How much is car insurance in Bloomington?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $7 a month cheaper to insure your vehicle in Bloomington than it is in the rest of California.
Similarly, car insurance rates in Bloomington are often favorable when viewed against the rest of the country. The average monthly payment in Bloomington is about $31 cheaper than the rate for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Bloomington, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't sweat it however, we've broken down the average rate for Bloomington residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may climb back up in Bloomington.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay a bit less than male drivers on their monthly premiums, the difference in Bloomington is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Bloomington with a single accident will pay around $74 a month. In addition, drivers with a single ticket on their record can expect to pay around $57 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$52|
In terms of affordable coverage, the cheapest vehicles to insure in Bloomington are by and large trucks and vans, at $42 per month.
SUV drivers will see rates of about $55, while the rates for car owners average out to about $49 per month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Bloomington, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Generally, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Bloomington can be as much as $11 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
One other element taken into consideration is your housing status. Renters can expect to pay around $5 a month more than drivers who own property in Bloomington. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Bloomington, CA
Recent trends in car insurance for Bloomington drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Bloomington, car insurance rates rose from 2016-2018, before leveling out in 2019. Policy premiums finished up in 2021, at $59 a month
How does Bloomington compare to neighboring areas?
Why are car insurance rates in Bloomington different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Road Safety (frequency of car accidents)
- Regional crime rates
- Off-street parking availability
- Regional regulations
- Amount of drivers
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Bloomington?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Bloomington.
Bloomington Insurance FAQs
What factors affect car insurance quotes in Bloomington?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Bloomington different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Bloomington?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bloomington?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Bloomington or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?