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

  • Average car insurance rates in Bloomington, MN for senior drivers are $3,158/year
  • The cheapest car insurance company in Bloomington after a DUI is State Farm
  • The cheapest car insurance company in Bloomington for teen drivers is State Farm

Average car insurance rates in Bloomington, Minnesota are $399 a month. But with a little research you can get a great deal from the top car insurance companies in Bloomington, MN. Before you buy Bloomington, Minnesota car insurance, make sure your coverage meets or exceeds the Minnesota minimum of 30/60/10.

It may even be helpful to compare Bloomington car insurance rates with Woodbury car insurance rates, St. Paul car insurance rates, or Rochester car insurance rates to make sure you’re getting the best Bloomington, MN car insurance quotes available.

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

Bloomington, MN Minimum Car Insurance Coverage

Bloomington, Minnesota law requires drivers carry a minimum of 30/60/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Bloomington, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Bloomington, MN Car Insurance Rates by Coverage Level

Some Bloomington drivers can get by with the Minnesota minimum coverage of 30/60/10. Other drivers may need more. See how much your Bloomington, Minnesota car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Bloomington, Minnesota

Insurance Company Low Medium High
Allstate $4,978 $5,052 $5,133
American Family $3,661 $3,784 $3,614
Farmers $3,545 $3,703 $3,808
GEICO $3,363 $3,493 $3,618
Liberty Mutual $13,685 $14,115 $14,498
Nationwide $2,995 $3,226 $3,372
State Farm $2,274 $2,400 $2,491
USAA $2,604 $2,693 $2,787

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

Bloomington, Minnesota car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Bloomington, MN 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, Minnesota

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 $3,366 $3,366 $3,254 $3,254 $7,714 $11,086 $4,107 $4,286
American Family $2,323 $2,323 $2,115 $2,115 $6,474 $9,222 $2,323 $2,595
Farmers $2,327 $2,328 $2,231 $2,376 $6,976 $7,112 $3,076 $3,057
GEICO $2,582 $2,555 $2,454 $2,385 $5,752 $7,250 $2,413 $2,540
Liberty Mutual $10,135 $10,135 $10,041 $10,041 $19,454 $28,941 $10,135 $13,912
Nationwide $2,120 $2,108 $1,894 $1,996 $5,616 $6,743 $2,514 $2,591
State Farm $1,727 $1,727 $1,568 $1,568 $3,991 $4,883 $2,000 $1,641
USAA $1,774 $1,735 $1,633 $1,606 $4,862 $5,251 $2,294 $2,403

Bloomington, MN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Bloomington, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,714 $11,086
American Family $6,474 $9,222
Farmers $6,976 $7,112
GEICO $5,752 $7,250
Liberty Mutual $19,454 $28,941
Nationwide $5,616 $6,743
State Farm $3,991 $4,883
USAA $4,862 $5,251

Bloomington, MN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Bloomington, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,254 $3,254
American Family $2,115 $2,115
Farmers $2,231 $2,376
GEICO $2,454 $2,385
Liberty Mutual $10,041 $10,041
Nationwide $1,894 $1,996
State Farm $1,568 $1,568
USAA $1,633 $1,606

Bloomington, MN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Bloomington, Minnesota

Insurance Company Poor Fair Good
Allstate $7,391 $4,028 $3,744
American Family $5,111 $3,313 $2,635
Farmers $4,557 $3,358 $3,142
GEICO $4,188 $3,431 $2,855
Liberty Mutual $19,642 $12,714 $9,942
Nationwide $3,807 $3,072 $2,714
State Farm $3,483 $2,129 $1,553
USAA $4,163 $2,086 $1,835

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Bloomington, MN Car Insurance Rates by Driver History

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

Annual Bloomington, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,610 $5,336 $6,468 $4,803
American Family $2,486 $4,436 $5,009 $2,815
Farmers $3,158 $3,965 $4,025 $3,593
GEICO $2,341 $3,688 $5,427 $2,509
Liberty Mutual $10,008 $14,003 $21,600 $10,786
Nationwide $2,552 $3,367 $3,859 $3,013
State Farm $2,171 $2,605 $2,388 $2,388
USAA $1,998 $2,562 $3,843 $2,375

Bloomington, MN Car Insurance Rates With a DUI

Even a single DUI can increase your Bloomington, MN 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, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,468
American Family $5,009
Farmers $4,025
GEICO $5,427
Liberty Mutual $21,600
Nationwide $3,859
State Farm $2,388
USAA $3,843

Bloomington, MN 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, MN car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Bloomington, Minnesota

ZIP Code Average Annual Rates
55420 $3,801
55425 $3,800
55431 $3,686
55437 $3,539
55438 $3,510

Bloomington, MN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Bloomington, MN 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, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,054 $5,054
American Family $3,644 $3,729
Farmers $3,685 $3,685
GEICO $3,442 $3,540
Liberty Mutual $13,701 $14,498
Nationwide $3,198 $3,198
State Farm $2,320 $2,456
USAA $2,660 $2,729

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Bloomington, MN Cheapest Car Insurance Rates

How do the top Bloomington, Minnesota car insurance companies’ average rates stack up against the Bloomington average monthly car insurance rates of $399? Take a look and see.

Best Annual Car Insurance Rates by Company in Bloomington, Minnesota

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

Bloomington, MN Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Bloomington, Minnesota

Insurance Company Average Annual Rates
Allstate $5,054
American Family $3,686
Farmers $3,685
GEICO $3,491
Liberty Mutual $14,099
Nationwide $3,198
State Farm $2,388
USAA $2,695

Other Factors Affecting Bloomington, MN Car Insurance Rates

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

Bloomington, MN Commute Time

How does your Bloomington, MN commute time compare with the average driver? In Bloomington, the average commute is 21.9 minutes.

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Bloomington, MN Car Insurance Quotes

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