Bloomington, IN Car Insurance

On average, Bloomington drivers pay around $52 a month for their car insurance. Check out our guide below to find out how much you'll pay.
How does Bloomington stack up to the rest of the area, or even Indiana as a whole? What rates can residents of Bloomington expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Bloomington?

Area Average Monthly Car Insurance Premium
Bloomington$52
IN$51
United States$80

Based on the chart above, you can see that auto insurance rates in Bloomington are in line with rates across the rest of Indiana.

If you're thinking of moving to Bloomington from out of state, you may still be in luck. It's around $28 less to insure your vehicle compared to the average rate for the United States as a whole.

Although these are the average monthly costs for an auto insurance policy in Bloomington, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

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. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$78
25-34$39
35-44$39
45-54Not Enough Data
55-64$33
65+$34

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $44 more than drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in Bloomington.

Average Car Insurance Rates by Gender

Gender Average
Male$47
Female$57

Despite the national trend of women paying less than men for auto insurance coverage, in Bloomington men actually pay $47 per month for coverage while women pay $57.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$65
Multiple Accidents$117
1 Ticket$103
Multiple Tickets$45

One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Bloomington with one accident will pay around $65 a month. Similarly, drivers with one ticket will typically pay around $103 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$34
2-3 Years$47
4-5 Years$60
6-7 Years$48
8-10 Years$64
11-14 Years$44
15 Years or Older$53

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 $37 per month for insurance coverage.

Car owners can expect to pay an average of around $54 a month for their policy, while SUVs usually cost around $53 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. In Bloomington, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$33
Divorced$40

Generally, those who are currently married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Bloomington is about $26 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$38
Rent$59
Live with parents$62

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $21 a month more than homeowners in Bloomington. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Bloomington, IN

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 picking an insurance policy.

The cost of car insurance coverage in Bloomington had been increasing from 2016-2017, before steadying out in 2018. They rose again, hitting a high of $75 in 2020, and finished down at $49 in 2021.

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 an insurance policy, car insurance companies will evaluate many factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Road safety
  • Local crime rates
  • Total amount of drivers in the area
  • Off-street parking availability
  • Laws

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?

Arming 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.

Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies providing plans in Bloomington.

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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 gender and age, but also factors like your marital status, credit score, address, and driving record.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

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. 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?

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