Cheapest Car Insurance Quotes in Bloomington

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Bloomington Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bloomington

The car insurance rate in Bloomington is $1142 for a six-month policy, which is $131 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $725, making it a popular choice for budget-conscious drivers. Rates in Bloomington can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bloomington

$1142

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Bloomington

1st place: CSAA

At $725 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $920 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $973 for six months, making it the third cheapest auto insurance company in Bloomington.

Bloomington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bloomington, CA is CSAA, offering policies at just $725 for a six-month term. This is followed by USAA, which has an average six-month premium of $920.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $872 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bloomington drivers find the best deals.

Cheap Car Insurance Companies in Bloomington, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$725	$122
USAA	$920	$155
Mercury	$973	$164
AAA SoCal	$1067	$182
Progressive	$1121	$189
Allstate	$1228	$207
Wawanesa	$1235	$208
AAA NorCal	$1249	$212
Auto Club	$1288	$215
State Farm	$1363	$229
AAA	$1550	$259
Kemper	$1605	$272
Farmers	$1792	$298
Capital Insurance Group	$799	$133
National General	$812	$138
State National	$826	$138
Hartford	$872	$148

Key Takeaways

Way's key takeaways about car insurance in Bloomington

The auto insurance costs in Bloomington fall around $725 for six months.
The cheapest auto insurance company in Bloomington is CSAA.
Teen drivers pay the highest rate in Bloomington at $76 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Bloomington

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bloomington are given below.

CSAA provides the cheapest minimum car insurance coverage in Bloomington. Their Average 6 Month Premium is $174. 21st Century is the most expensive at $457 for the same period.

Cheapest Liability Coverage in Bloomington, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$174	$29
AAA	$308	$52
USAA	$322	$54
AAA NorCal	$336	$56
AAA SoCal	$383	$66
Progressive	$390	$66
Auto Club	$395	$68
State Farm	$409	$69
Wawanesa	$416	$70
Mercury	$443	$75
Allstate	$477	$80
Farmers	$571	$95
Kemper	$315	$53
Capital Insurance Group	$342	$59
State National	$363	$62
National General	$450	$75
21st Century	$457	$78

Cheapest Full Coverage Car Insurance in Bloomington

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bloomington is CSAA at $122 per month and $725 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bloomington, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$725	$122
USAA	$920	$155
Mercury	$973	$164
AAA SoCal	$1067	$182
Progressive	$1121	$189
Allstate	$1228	$207
Wawanesa	$1235	$208
AAA NorCal	$1249	$212
Auto Club	$1288	$215
State Farm	$1363	$229
AAA	$1550	$259
Kemper	$1605	$272
Farmers	$1792	$298
Capital Insurance Group	$799	$133
National General	$812	$138
State National	$826	$138
Hartford	$872	$148

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Average Car Insurance in Bloomington by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bloomington, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Bloomington, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bloomington's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bloomington

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$661
30s	Wawanesa	$533
40s	Wawanesa	$533
50s	Wawanesa	$533
60s	Wawanesa	$533
70s	Wawanesa	$522

Cheapest Car Insurance Rates for Teen Drivers in Bloomington,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Bloomington at $44 per month. At $443 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$262	$44
Capital Insurance Group	$591	$98
USAA	$1409	$237
Mercury	$1429	$241
Wawanesa	$1571	$267
Progressive	$1644	$277
CSAA	$1980	$333
State Farm	$2349	$395
AAA SoCal	$2544	$433
Allstate	$2726	$459
Auto Club	$2906	$494
AAA NorCal	$3873	$645
Farmers	$3954	$672
State National	$423	$70
Marcury	$443	$76

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Bloomington.

As young drivers face the highest rates in Bloomington, Wawanesa offers the cheapest auto insurance rates at $661 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Bloomington.

Car Insurance Rates with An Accident in Bloomington

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bloomington, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bloomington

The cheapest car insurance companies after an at-fault accident in Bloomington include AAA and Capital Insurance Group, offering $429 and $617, respectively. 21st Century is an expensive provider with an average six-month premium of $772.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$429	$72
Capital Insurance Group	$617	$105
CSAA	$826	$139
USAA	$1235	$208
Progressive	$1429	$241
Mercury	$1516	$258
Wawanesa	$1745	$290
AAA SoCal	$1833	$312
Auto Club	$1933	$322
Farmers	$1987	$334
State Farm	$2363	$398
AAA NorCal	$2530	$431
Allstate	$3041	$512
State National	$510	$85
Hartford	$591	$101
National General	$678	$113
Nationwide	$731	$124
21st Century	$772	$129

Bloomington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bloomington CA. For example, the car insurance in Bloomington after a DUI increases to $1967 for a six month policy. While the rate increases by $517 for a six-month policy in the case of a speeding ticket.

Bloomington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1228	$205
Not-at-fault accident	$1228	$209
One comp claim	$1228	$205
One Med/PIP claim	$1228	$209
Two comp claims	$1228	$205
Two Med/PIP claims	$1228	$209
At-fault accident - less than $1000	$1255	$209
Failure to show documents	$1618	$275
Driving with expired registration	$1651	$276
Driving without lights	$1651	$280
Failure to wear a seat belt	$1658	$277
Child safety restraint	$1671	$284
Speeding 11 - 15 MPH over limit	$1738	$289
Speeding 16 - 20 MPH over limit	$1738	$296
Driving too slowly	$1745	$290
Failure to stop at a red light	$1745	$297
Failure to yield	$1745	$290
Following too closely	$1745	$297
Illegal turn	$1745	$290
In 65 MPH zone	$1745	$297
Speeding 21 - 25 MPH over limit	$1745	$290
Speeding 6 - 10 MPH over limit	$1745	$297
Speeding in school zone	$1745	$290
Improper passing	$1751	$298
Cell phone violation	$1758	$293
Texting while driving	$1758	$299
Passing school bus	$1779	$296
Wrong way/wrong lane	$2080	$354
Operating a vehicle without permission	$2128	$355
At-fault accident - $1000-$2000	$2141	$364
At-fault accident - greater than $2000	$2141	$357
Open container	$2148	$365
Driving with a suspended license	$2491	$415
Reckless driving	$3034	$516
Racing	$3068	$511
Leaving scene of an accident/hit and run	$3080	$524
DUI	$3195	$532
Refusal to submit to a chemical test	$3195	$544

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bloomington after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bloomington.

The cheapest car insurance premiums in Bloomington are offered by AAA at $845 for a six-month policy. However, it can be as expensive as $712 with companies like Kemper.

Bloomington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$845	$144
Capital Insurance Group	$920	$154
Mercury	$1094	$184
Progressive	$1618	$272
Wawanesa	$1966	$334
Farmers	$2087	$351
USAA	$2222	$374
CSAA	$2349	$395
AAA SoCal	$3397	$577
Auto Club	$3886	$647
AAA NorCal	$4477	$762
State Farm	$4779	$805
Allstate	$4920	$828
Travelers	$947	$158
National General	$443	$73
Kemper	$712	$119

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bloomington are offered by CSAA at $107. However, it can be as expensive as $510 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Bloomington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$107	$18
Capital Insurance Group	$591	$98
Mercury	$1007	$169
USAA	$1054	$175
Progressive	$1135	$191
AAA NorCal	$1571	$262
AAA SoCal	$1685	$287
Allstate	$1732	$288
State Farm	$1833	$312
Farmers	$2537	$423
AAA	$329	$55
Kemper	$416	$71
National General	$443	$73
State National	$510	$87

Car Insurance Price Trends in Bloomington, California

Car insurance rates in Bloomington have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bloomington rose by $217 in December compared to $215 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Bloomington rose to $61 in December, compared to $59 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Bloomington?

The car insurance in Bloomington is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Bloomington?

The cheapest car insurance in Bloomington is $122 per month for full coverage.

How much is car insurance in Bloomington for teenagers?

Car insurance for teenagers costs $262 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bloomington?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $192 per month to insure your car in Bloomington.

Is car insurance expensive in Bloomington?

Car insurance can be expensive in Bloomington if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bloomington can be affordable.

Cheapest Car Insurance Quotes in Bloomington

Why you can trust Way?

How Much Is Car Insurance in Bloomington

Avg. Car Insurance in Bloomington

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Bloomington

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Bloomington Car Insurance Rates by Company

Cheap Car Insurance Companies in Bloomington, CA

Way's key takeaways about car insurance in Bloomington

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bloomington

Cheapest Liability Coverage in Bloomington, CA

Cheapest Full Coverage Car Insurance in Bloomington

Cheapest Full Coverage Car Insurance Quotes in Bloomington, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bloomington by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bloomington, CA increasing?

Car Insurance Premiums by Age in Bloomington

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bloomington,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Bloomington.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Bloomington

Cheapest Car Insurance Companies after an At-Fault Accident in Bloomington

Bloomington Car Insurance Rates by Violation

Bloomington auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bloomington after a DUI

Bloomington car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bloomington after Speeding ticket

Car Insurance Price Trends in Bloomington, California

Average Car Insurance Cost in Bloomington by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bloomington, CA

Car Insurance Rates by State in the USA (2025 Update)

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