Car insurance in Bloomington for an adult with a clean driving record and good insurance score costs $1,187 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Bloomington by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Bloomington.

Key Highlights
  • Car insurance in Bloomington is cheaper than car insurance in Illinois for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Bloomington is $1,187 per year or $99 per month.
  • In Bloomington, Geico offers the cheapest full coverage car insurance at $57 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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What is the average cost of car insurance in Bloomington, IL?

The average auto insurance rates in Bloomington, IL at various coverage levels are listed below:

  • State minimum: $385 per year
  • Liability-only coverage (50/100/50): $428 per year
  • Full coverage (100/300/100): $1,187 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Geico$217$257$679
Nationwide$380$388$842
Auto-Owners$259$289$932
State Farm$292$341$996
American Family$500$527$1,012
Mercury Insurance$285$313$1,045
USAA$391$434$1,084
Erie Insurance$252$286$1,108
Travelers$455$509$1,127
Farmers$509$560$1,258
Progressive$586$633$1,267
Auto Club Enterprises (AAA)$330$414$1,388
Automobile Club MI (AAA)$463$508$1,780
Allstate$477$529$2,100

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Bloomington, IL?

Out of all the carriers available in Bloomington, Geico offers the cheapest full coverage car insurance at $57 per month.

The second-cheapest car insurance company in Bloomington is Nationwide, offering car insurance at $70 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Geico$57
Nationwide$70
Auto-Owners$78
State Farm$83
American Family$84
Mercury Insurance$87
USAA$90
Erie Insurance$92
Travelers$94
Farmers$105
Progressive$106
Auto Club Enterprises (AAA)$116
Automobile Club MI (AAA)$148
Allstate$175

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Bloomington, IL?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Illinois is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Bloomington, IL

See the average annual premium for drivers with two speeding tickets on their records in Bloomington, IL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$91
Geico$93
Nationwide$104
American Family$122
Erie$124
USAA$130
Mercury$141
Auto-Owners$149
Travelers$155
Progressive$163
Farmers$173
Auto Club Enterprises$225
Allstate$260

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Bloomington, IL

See the average annual premium for a driver convicted of DUI in Bloomington, IL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$91
American Family$112
Geico$112
Mercury$117
Progressive$122
Nationwide$133
Erie$146
Auto-Owners$149
Travelers$151
Farmers$152
USAA$183
Allstate$281
Auto Club Enterprises$309

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Bloomington, IL

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Bloomington, IL, by age

Age is a key factor when considering car insurance rates in most cities, including Bloomington – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$532
16American Family$353
16Auto Club Enterprises (AAA)$1,354
16Auto-Owners$287
16Automobile Club MI (AAA)$892
16Geico$361
16Erie Insurance$246
16Farmers$834
16Mercury Insurance$711
16Nationwide$318
16Progressive$694
16State Farm$347
16Travelers$805
16USAA$440
17Allstate$532
17American Family$300
17Auto Club Enterprises (AAA)$526
17Auto-Owners$260
17Automobile Club MI (AAA)$531
17Geico$219
17Erie Insurance$231
17Farmers$673
17Mercury Insurance$577
17Nationwide$310
17Progressive$533
17State Farm$305
17Travelers$382
17USAA$327
18Allstate$443
18American Family$262
18Auto Club Enterprises (AAA)$489
18Auto-Owners$234
18Automobile Club MI (AAA)$468
18Geico$192
18Erie Insurance$213
18Farmers$571
18Mercury Insurance$528
18Nationwide$272
18Progressive$462
18State Farm$269
18Travelers$304
18USAA$268
19Allstate$412
19American Family$219
19Auto Club Enterprises (AAA)$416
19Auto-Owners$203
19Automobile Club MI (AAA)$521
19Geico$153
19Erie Insurance$200
19Farmers$302
19Mercury Insurance$342
19Nationwide$234
19Progressive$319
19State Farm$236
19Travelers$241
19USAA$229
20Allstate$394
20American Family$185
20Auto Club Enterprises (AAA)$369
20Auto-Owners$179
20Automobile Club MI (AAA)$437
20Geico$123
20Erie Insurance$185
20Farmers$272
20Mercury Insurance$297
20Nationwide$195
20Progressive$294
20State Farm$206
20Travelers$204
20USAA$200
21Allstate$303
21American Family$155
21Auto Club Enterprises (AAA)$281
21Auto-Owners$154
21Automobile Club MI (AAA)$312
21Geico$100
21Erie Insurance$177
21Farmers$225
21Mercury Insurance$273
21Nationwide$129
21Progressive$216
21State Farm$175
21Travelers$173
21USAA$150
22Allstate$289
22American Family$137
22Auto Club Enterprises (AAA)$258
22Auto-Owners$139
22Automobile Club MI (AAA)$285
22Geico$83
22Erie Insurance$160
22Farmers$208
22Mercury Insurance$222
22Nationwide$114
22Progressive$190
22State Farm$156
22Travelers$155
22USAA$141
23Allstate$267
23American Family$122
23Auto Club Enterprises (AAA)$230
23Auto-Owners$126
23Automobile Club MI (AAA)$262
23Geico$78
23Erie Insurance$150
23Farmers$195
23Mercury Insurance$166
23Nationwide$107
23Progressive$173
23State Farm$138
23Travelers$140
23USAA$135
24Allstate$261
24American Family$110
24Auto Club Enterprises (AAA)$208
24Auto-Owners$114
24Automobile Club MI (AAA)$250
24Geico$72
24Erie Insurance$125
24Farmers$183
24Mercury Insurance$143
24Nationwide$101
24Progressive$157
24State Farm$126
24Travelers$129
24USAA$125
25Allstate$197
25American Family$99
25Auto Club Enterprises (AAA)$145
25Auto-Owners$107
25Automobile Club MI (AAA)$209
25Geico$66
25Erie Insurance$120
25Farmers$126
25Mercury Insurance$126
25Nationwide$87
25Progressive$130
25State Farm$108
25Travelers$111
25USAA$120
30Allstate$175
30American Family$94
30Auto Club Enterprises (AAA)$117
30Auto-Owners$78
30Automobile Club MI (AAA)$173
30Geico$65
30Erie Insurance$101
30Farmers$116
30Mercury Insurance$111
30Nationwide$76
30Progressive$115
30State Farm$85
30Travelers$106
30USAA$97
35Allstate$175
35American Family$89
35Auto Club Enterprises (AAA)$116
35Auto-Owners$78
35Automobile Club MI (AAA)$168
35Geico$61
35Erie Insurance$94
35Farmers$107
35Mercury Insurance$98
35Nationwide$73
35Progressive$110
35State Farm$83
35Travelers$104
35USAA$93
40Allstate$175
40American Family$84
40Auto Club Enterprises (AAA)$116
40Auto-Owners$78
40Automobile Club MI (AAA)$148
40Geico$57
40Erie Insurance$92
40Farmers$105
40Mercury Insurance$87
40Nationwide$70
40Progressive$106
40State Farm$83
40Travelers$94
40USAA$90
45Allstate$175
45American Family$81
45Auto Club Enterprises (AAA)$116
45Auto-Owners$76
45Automobile Club MI (AAA)$139
45Geico$55
45Erie Insurance$89
45Farmers$104
45Mercury Insurance$87
45Nationwide$68
45Progressive$105
45State Farm$82
45Travelers$93
45USAA$88
50Allstate$158
50American Family$78
50Auto Club Enterprises (AAA)$109
50Auto-Owners$73
50Automobile Club MI (AAA)$139
50Geico$52
50Erie Insurance$87
50Farmers$100
50Mercury Insurance$83
50Nationwide$66
50Progressive$101
50State Farm$81
50Travelers$93
50USAA$84
55Allstate$156
55American Family$77
55Auto Club Enterprises (AAA)$106
55Auto-Owners$71
55Automobile Club MI (AAA)$125
55Geico$53
55Erie Insurance$86
55Farmers$94
55Mercury Insurance$85
55Nationwide$64
55Progressive$100
55State Farm$78
55Travelers$85
55USAA$83
60Allstate$158
60American Family$78
60Auto Club Enterprises (AAA)$106
60Auto-Owners$70
60Automobile Club MI (AAA)$125
60Geico$53
60Erie Insurance$88
60Farmers$91
60Mercury Insurance$82
60Nationwide$63
60Progressive$101
60State Farm$76
60Travelers$86
60USAA$82
65Allstate$173
65American Family$81
65Auto Club Enterprises (AAA)$106
65Auto-Owners$73
65Automobile Club MI (AAA)$135
65Geico$48
65Erie Insurance$93
65Farmers$98
65Mercury Insurance$92
65Nationwide$65
65Progressive$105
65State Farm$76
65Travelers$92
65USAA$84
70Allstate$173
70American Family$87
70Auto Club Enterprises (AAA)$106
70Auto-Owners$81
70Automobile Club MI (AAA)$158
70Geico$51
70Erie Insurance$103
70Farmers$111
70Mercury Insurance$103
70Nationwide$69
70Progressive$115
70State Farm$80
70Travelers$100
70USAA$88
75Allstate$195
75American Family$96
75Auto Club Enterprises (AAA)$113
75Auto-Owners$91
75Automobile Club MI (AAA)$172
75Geico$54
75Erie Insurance$121
75Farmers$120
75Mercury Insurance$127
75Nationwide$77
75Progressive$147
75State Farm$87
75Travelers$114
75USAA$98

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Bloomington, IL, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Nationwide$93
Geico$114
Mercury Insurance$118
American Family$148
USAA$151
Travelers$152
Farmers$172
State Farm$180
Progressive$202
Erie Insurance$214
Auto Club Enterprises (AAA)$216
Auto-Owners$234
Allstate$258

Final thoughts: Car insurance cost in Bloomington, IL

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Bloomington, IL. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Bloomington, Illinois.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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