Bloomington, IL Car Insurance

Drivers in Bloomington pay, on average, $42 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How does Bloomington compare to the surrounding area and 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:  

How much is car insurance in Bloomington?

Area Average Monthly Car Insurance Premium
Bloomington$42
IL$50
United States$80

Looking at the chart above, you can see it's around $8 a month cheaper to insure your vehicle in Bloomington than it is in the rest of Illinois.

Likewise, car insurance rates in Bloomington are often favorable when viewed against the rest of the country. It's about $38 cheaper than the national average to insure your vehicle in Bloomington.

Keep in mind that while these are the average car insurance rates for Bloomington, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Bloomington residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$69
25-34$35
35-44$35
45-54Not Enough Data
55-64$28
65+$35

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance bills. 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 ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may start to rise again in Bloomington.

Average Car Insurance Rates by Gender

Gender Average
Male$42
Female$41

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Bloomington, although women do pay a little bit less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$49
Multiple Accidents$90
1 Ticket$55
Multiple Tickets$157

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Bloomington, a driving record with one accident will usually get you a rate around $49 a month. Likewise, drivers with one ticket will be looking at a rate of around $55 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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$34
2-3 Years$44
4-5 Years$33
6-7 Years$36
8-10 Years$42
11-14 Years$40
15 Years or Older$46

In terms of affordable coverage, the cheapest vehicles to insure in Bloomington are usually cars, trucks, and vans, at $41 per month.

The bill for SUV owners, on the other hand, is closer to $47 per month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Bloomington are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$45
Married$32
Divorced$33
Widowed$49

On average, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Bloomington is no exception, with the difference totaling to around $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$33
Rent$41
Live with parents$76

One other element taken into consideration is your housing situation. Renters can expect to pay around $8 a month more than homeowners in Bloomington. Those who live with their parents, however, can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

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 choosing when and where to shop.

In Bloomington, auto insurance rates declined from 2016-2017, but began to rise in 2020. This pattern has continued through 2021 when rates have most recently hit $43.

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 several factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Access to off-street parking
  • Laws
  • Road Safety (total number of local car accidents)
  • Crime rates
  • Amount of drivers in the area

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Bloomington.

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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 gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

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

Things like parking situations, crime rates, 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?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Bloomington?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Bloomington or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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