At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Bloomington?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Bloomington is about $6 a month cheaper than it is for the rest of California.
Similarly, car insurance rates in Bloomington are more affordable than the national average. On average, it's about $31 less to insure your vehicle in Bloomington than it is in 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. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down average rates for Bloomington to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Find your best rate in just a few minutes
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay $28 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates start to rise again in Bloomington.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay a bit less than male drivers on their monthly insurance rates, 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. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Bloomington, drivers with one accident on their record will experience rates around $75 a month. Similarly, drivers with one ticket will typically pay around $52 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$51|
If you look at the first table above, the cheapest vehicles to insure in Bloomington are by and large trucks and vans, at $42 per month.
Car owners will see a monthly rate of about $50, while SUV owners usually pay around $55 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Bloomington are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
More often than not, people who are married will pay slightly less to insure their vehicle. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Bloomington is no exception, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than drivers who own property in Bloomington. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Bloomington, CA
Recent trends in car insurance for Bloomington drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Auto insurance rates in Bloomington have been steadily increasing, reaching a high of $59 in 2022.
How does Bloomington compare to neighboring areas?
Why are car insurance rates in Bloomington different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Amount of off-street parking
- Prevalence of crime
- Community laws
- Amount of drivers in the area
- Road safety
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Bloomington?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Bloomington.
Find your best rate in just a few minutes
Bloomington Insurance FAQs
What factors affect car insurance quotes in Bloomington?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Bloomington different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Bloomington?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bloomington or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Find your best rate in just a few minutes