Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Bloomington after a DUI is USAA
  • The annual number of car thefts in Bloomington is 132.
  • Average car insurance rates in Bloomington, IN for senior drivers are $1,651/year

Average car insurance rates in Bloomington, Indiana are $264 a month. But with a little research you can get a great deal from the top car insurance companies in Bloomington, IN. Before you buy Bloomington, Indiana car insurance, make sure your coverage meets or exceeds the Indiana minimum of 25/50/25.

It may even be helpful to compare Bloomington car insurance rates with Evansville car insurance rates, South Bend car insurance rates, or Indianapolis car insurance rates to make sure you’re getting the best Bloomington, IN car insurance quotes available.

Need affordable Bloomington, IN car insurance? Enter your ZIP code to compare Bloomington car insurance quotes from multiple car insurance companies near you.

Bloomington, IN Minimum Car Insurance Coverage

Bloomington, Indiana law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Bloomington, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Bloomington, IN Car Insurance Rates by Coverage Level

Some Bloomington drivers can get by with the Indiana minimum coverage of 25/50/25. Other drivers may need more. See how much your Bloomington, Indiana car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Bloomington, Indiana

Insurance Company Low Medium High
Allstate $3,713 $3,882 $4,096
American Family $3,439 $3,593 $3,402
Farmers $3,131 $3,238 $3,362
GEICO $1,993 $2,117 $2,260
Liberty Mutual $5,145 $5,319 $5,541
Nationwide $2,489 $2,431 $2,433
Progressive $3,799 $3,955 $4,294
State Farm $2,278 $2,395 $2,514
Travelers $2,958 $3,048 $3,054
USAA $1,657 $1,714 $1,784

Bloomington, IN Car Insurance Rates by Age, Gender, and Marital Status

Bloomington, Indiana car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Bloomington, IN car insurance, get quotes from multiple car insurance companies in the Bloomington area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bloomington, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,397 $2,452 $2,109 $2,305 $7,451 $9,395 $2,427 $2,640
American Family $2,177 $2,177 $1,958 $1,958 $6,007 $8,693 $2,177 $2,675
Farmers $1,468 $1,449 $1,255 $1,409 $7,903 $8,437 $1,936 $2,093
GEICO $1,450 $1,439 $1,362 $1,412 $4,260 $3,948 $1,660 $1,456
Liberty Mutual $3,648 $3,648 $3,353 $3,353 $7,982 $12,050 $3,648 $5,000
Nationwide $1,517 $1,551 $1,332 $1,422 $4,383 $5,688 $1,776 $1,941
Progressive $1,700 $1,608 $1,541 $1,550 $10,076 $11,335 $2,136 $2,180
State Farm $1,456 $1,456 $1,303 $1,303 $4,490 $5,747 $1,615 $1,797
Travelers $1,092 $1,111 $1,025 $1,025 $6,747 $10,673 $1,155 $1,333
USAA $1,088 $1,068 $1,017 $1,019 $3,089 $3,438 $1,467 $1,562

Bloomington, IN Car Insurance Rates for Teens

How much is Bloomington, Indiana car insurance for teens? Compare rates from top Bloomington car insurance companies below to help find the cheapest teen car insurance in Bloomington, IN.

Annual Car Insurance Rates for Teen Drivers in Bloomington, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,451 $9,395
American Family $6,007 $8,693
Farmers $7,903 $8,437
GEICO $4,260 $3,948
Liberty Mutual $7,982 $12,050
Nationwide $4,383 $5,688
Progressive $10,076 $11,335
State Farm $4,490 $5,747
Travelers $6,747 $10,673
USAA $3,089 $3,438

Bloomington, IN Car Insurance Rates for Seniors

Before seniors buy Bloomington, Indiana car insurance, they should make sure to shop around. Some Bloomington, IN car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Bloomington, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,109 $2,305
American Family $1,958 $1,958
Farmers $1,255 $1,409
GEICO $1,362 $1,412
Liberty Mutual $3,353 $3,353
Nationwide $1,332 $1,422
Progressive $1,541 $1,550
State Farm $1,303 $1,303
Travelers $1,025 $1,025
USAA $1,017 $1,019

Bloomington, IN Car Insurance Rates by Credit History

How does your credit history affect Bloomington, IN car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Bloomington, Indiana

Insurance Company Poor Fair Good
Allstate $4,825 $3,598 $3,268
American Family $4,759 $3,089 $2,586
Farmers $3,783 $3,088 $2,861
GEICO $2,554 $2,124 $1,694
Liberty Mutual $7,104 $4,624 $4,277
Nationwide $2,789 $2,358 $2,206
Progressive $4,424 $3,923 $3,700
State Farm $3,491 $2,082 $1,614
Travelers $3,361 $2,850 $2,848
USAA $2,312 $1,531 $1,313

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Bloomington, IN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Bloomington, Indiana car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Bloomington.

Annual Bloomington, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,103 $4,568 $4,218 $3,700
American Family $2,396 $3,826 $4,835 $2,854
Farmers $2,903 $3,384 $3,485 $3,203
GEICO $1,388 $2,197 $2,987 $1,923
Liberty Mutual $4,158 $4,905 $7,696 $4,583
Nationwide $2,111 $2,715 $2,604 $2,375
Progressive $3,007 $5,283 $3,589 $4,183
State Farm $2,338 $2,569 $2,338 $2,338
Travelers $2,567 $3,169 $3,590 $2,753
USAA $1,294 $1,849 $2,124 $1,607

Bloomington, IN Car Insurance Rates With a DUI

Even a single DUI can increase your Bloomington, IN car insurance rates. Compare rates below to see which Bloomington car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Bloomington, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,218
American Family $4,835
Farmers $3,485
GEICO $2,987
Liberty Mutual $7,696
Nationwide $2,604
Progressive $3,589
State Farm $2,338
Travelers $3,590
USAA $2,124

Bloomington, IN Car Insurance Rates by ZIP Code

Just like Bloomington car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Bloomington, IN car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Bloomington, Indiana

ZIP Code Average Annual Rates
47401 $3,072
47403 $3,044
47404 $3,098
47405 $3,070
47406 $3,122
47408 $3,090

Bloomington, IN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Bloomington, IN car insurance rates may be. Let’s take a look at average car insurance rates from top Bloomington companies based on commute time.

Annual Car Insurance Rates by Commute Length in Bloomington, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,897 $3,897
American Family $3,436 $3,520
Farmers $3,244 $3,244
GEICO $2,088 $2,159
Liberty Mutual $5,194 $5,477
Nationwide $2,451 $2,451
Progressive $4,016 $4,016
State Farm $2,328 $2,464
Travelers $3,020 $3,020
USAA $1,696 $1,741

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Bloomington, IN Cheapest Car Insurance Rates

How do the top Bloomington, Indiana car insurance companies’ average rates stack up against the Bloomington average monthly car insurance rates of $264? Take a look and see.

Best Annual Car Insurance Rates by Company in Bloomington, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Bloomington, IN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Bloomington, Indiana car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Bloomington, Indiana

Insurance Company Average Annual Rates
Allstate $3,897
American Family $3,478
Farmers $3,244
GEICO $2,124
Liberty Mutual $5,335
Nationwide $2,451
Progressive $4,016
State Farm $2,396
Travelers $3,020
USAA $1,718

Other Factors Affecting Bloomington, IN Car Insurance Rates

Before you buy Bloomington, Indiana car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Bloomington, IN Car Theft Rates

The car theft rate in Bloomington, IN will affect your car insurance rates. FBI data shows that the annual car theft rate for Bloomington, Indiana is 132 stolen cars.

Bloomington, IN Commute Time

How does your Bloomington, IN commute time compare with the average driver? In Bloomington, the average commute is 16.6 minutes.

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Bloomington, IN Car Insurance Quotes

Compare Bloomington, IN car insurance quotes from multiple companies by entering your ZIP code now.