Bloomington, IL Car Insurance

Compared to their surrounding area, how do rates in Bloomington stack up? What about against the rest of Illinois? What should residents of Bloomington expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Bloomington?

Based on the above chart, auto insurance policies in Bloomington are about $8 a month cheaper than in the rest of Illinois.

Compared to the national average cost of auto insurance coverage, Bloomington has lower rates. It's about $40 cheaper than the national average to insure your vehicle in Bloomington.

While these numbers represent the average monthly payments for coverage in Bloomington, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rates for Bloomington residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Bloomington drivers may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Bloomington, although women do pay a bit less on their monthly auto coverage, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Bloomington, a driving record with one accident will usually get you a rate around $47 a month. Likewise, drivers with one ticket will be looking at a rate of around $46 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Bloomington, with drivers paying around $38 per month for auto insurance.

Car owners will see a monthly rate of about $41, while SUV owners typically pay around $42 a month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Bloomington, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Overall, those who are currently married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

The cost of auto insurance in Bloomington reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Bloomington, expect to pay around $7 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in Bloomington, IL

Recent trends in car insurance for Bloomington drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

Auto insurance rates in Bloomington had been increasing from 2017-2018, when they reached a high of $44. This trend leveled out in 2021, when they began to decrease, and have continued on that path through the present, where policy premiums finished at $30 per month.

How does Bloomington compare to neighboring areas?

Why are car insurance rates in Bloomington different from other areas?

Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

• Amount of off-street parking
• Number of drivers in the community
• General road safety (how many accidents each locality has)
• Area laws
• Local crime rates

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Bloomington?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Bloomington.

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Bloomington Insurance FAQs

What factors affect car insurance quotes in Bloomington?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Bloomington different from other neighboring cities?

Parking situations, crime rates, and local laws -- 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?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Bloomington or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.