Cheapest Car Insurance Quotes in Bloomfield

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399,755 Policies Sold

Bloomfield Car Insurance

^$ 18

/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 Bloomfield

The car insurance rate in Bloomfield is $741 for a six-month policy, which is $42 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, making it a popular choice for budget-conscious drivers. Rates in Bloomfield 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 Bloomfield

$741

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Bloomfield

1st place: West Bend Mutual

At $390 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $441 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $466 for six months, making it the third cheapest auto insurance company in Bloomfield.

Bloomfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bloomfield, IA is West Bend Mutual, offering policies at just $390 for a six-month term. This is followed by Grange, which has an average six-month premium of $441.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1454 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bloomfield drivers find the best deals.

Cheap Car Insurance Companies in Bloomfield, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$390	$65
Grange	$441	$75
Travelers	$466	$78
Auto-Owners Insurance Co	$473	$81
Hastings Mutual	$484	$81
Westfield	$516	$88
IMT Insurance Company	$535	$89
State Farm	$636	$107
American Family	$655	$110
USAA	$699	$118
Pekin	$711	$119
Progressive	$718	$121
Auto-Owners	$869	$145
Farm Bureau Mutual (IA Group)	$876	$148
Farm Bureau	$983	$163
Nationwide	$1165	$198
Grinnell Mutual	$1272	$212
Allstate	$1454	$245

Key Takeaways

Way's key takeaways about car insurance in Bloomfield

The auto insurance costs in Bloomfield fall around $390 for six months.
The cheapest auto insurance company in Bloomfield is Pekin.
Teen drivers pay the highest rate in Bloomfield at $626 per month.

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Cheapest Minimum Liability Car Insurance in Bloomfield

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 Bloomfield are given below.

Pekin provides the cheapest minimum car insurance coverage in Bloomfield. Their Average 6 Month Premium is $107. West Bend is the most expensive at $133 for the same period.

Cheapest Liability Coverage in Bloomfield, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$107	$18
Westfield	$113	$19
Hastings Mutual	$120	$20
Progressive	$126	$21
West Bend Mutual	$126	$21
USAA	$133	$22
Grange	$139	$23
State Farm	$139	$23
Farm Bureau Mutual (IA Group)	$152	$25
Auto-Owners Insurance Co	$158	$27
Iowa Farm Bureau	$170	$29
Travelers	$176	$30
Farm Bureau	$182	$31
American Family	$189	$32
Auto-Owners	$201	$34
Grinnell Mutual	$283	$48
Allstate	$416	$70
Nationwide	$441	$75
West Bend	$133	$22

Cheapest Full Coverage Car Insurance in Bloomfield

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 Bloomfield is West Bend Mutual at $65 per month and $390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bloomfield, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$390	$65
Grange	$441	$75
Travelers	$466	$78
Auto-Owners Insurance Co	$473	$81
Hastings Mutual	$484	$81
Westfield	$516	$88
IMT Insurance Company	$535	$89
State Farm	$636	$107
American Family	$655	$110
USAA	$699	$118
Pekin	$711	$119
Progressive	$718	$121
Auto-Owners	$869	$145
Farm Bureau Mutual (IA Group)	$876	$148
Farm Bureau	$983	$163
Nationwide	$1165	$198
Grinnell Mutual	$1272	$212
Allstate	$1454	$245

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Average Car Insurance in Bloomfield 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 Bloomfield, IA increasing?

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

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

Car Insurance Premiums by Age in Bloomfield

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

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Cheapest Car Insurance Rates for Teen Drivers in Bloomfield,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Bloomfield at $23 per month. At $3684 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
Grange	$158	$27
West Bend Mutual	$170	$29
Iowa Farm Bureau	$195	$33
Travelers	$661	$111
USAA	$825	$139
Progressive	$1240	$209
State Farm	$1411	$237
American Family	$1668	$281
Farm Bureau	$2148	$358
Farm Bureau Mutual (IA Group)	$2362	$402
Auto-Owners	$2405	$401
Grinnell Mutual	$2859	$487
Allstate	$3148	$530
Nationwide	$3684	$626

Teen Car Insurance Rates in IA by Age

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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bloomfield, Grange is the cheapest car insurance provider. At $182 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bloomfield is Grinnell Mutual, offering rates of around $2236 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$182	$31
Westfield	$220	$37
West Bend Mutual	$227	$38
Travelers	$246	$41
Progressive	$711	$120
American Family	$818	$138
State Farm	$1523	$257
Nationwide	$1662	$283
Farm Bureau	$1694	$282
Allstate	$2204	$375
Auto-Owners	$2223	$370
Grinnell Mutual	$2236	$381

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Car Insurance Rates with An Accident in Bloomfield

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 Bloomfield, IA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Bloomfield include Hastings Mutual and Pekin, offering $120 and $145, respectively. Allstate is an expensive provider with an average six-month premium of $1996.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$120	$20
Pekin	$145	$24
Western National	$189	$32
Westfield	$189	$32
Grange	$214	$36
Auto-Owners Insurance Co	$220	$37
West Bend Mutual	$220	$37
State Farm	$460	$77
Travelers	$473	$80
Progressive	$668	$112
Grinnell Mutual	$756	$127
American Family	$869	$146
USAA	$970	$161
Auto-Owners	$1140	$194
Farm Bureau Mutual (IA Group)	$1291	$215
Farm Bureau	$1600	$272
Nationwide	$1851	$308
Allstate	$1996	$336

Bloomfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bloomfield IA. For example, the car insurance in Bloomfield after a DUI increases to $755 for a six month policy. While the rate increases by $107 for a six-month policy in the case of a speeding ticket.

Bloomfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$888	$148
One Med/PIP claim	$900	$153
Not-at-fault accident	$925	$155
One comp claim	$951	$162
Two Med/PIP claims	$976	$162
Child safety restraint	$995	$170
Failure to show documents	$995	$165
Failure to wear a seat belt	$995	$170
Speeding 6 - 10 MPH over limit	$995	$165
Two comp claims	$995	$170
Driving without lights	$1001	$166
Driving with expired registration	$1026	$175
Failure to yield	$1026	$171
Illegal turn	$1026	$175
Failure to stop at a red light	$1032	$172
Wrong way/wrong lane	$1039	$177
Cell phone violation	$1045	$174
Driving too slowly	$1045	$178
Speeding 11 - 15 MPH over limit	$1045	$174
Texting while driving	$1045	$178
Speeding 16 - 20 MPH over limit	$1052	$175
Speeding in school zone	$1064	$181
Improper passing	$1071	$178
Following too closely	$1077	$183
At-fault accident - less than $1000	$1096	$182
Passing school bus	$1114	$190
Operating a vehicle without permission	$1171	$195
At-fault accident - $1000-$2000	$1190	$202
Speeding 21 - 25 MPH over limit	$1190	$198
At-fault accident - greater than $2000	$1197	$204
In 65 MPH zone	$1278	$213
Open container	$1347	$229
Racing	$1518	$253
Driving with a suspended license	$1549	$263
Reckless driving	$1587	$264
Refusal to submit to a chemical test	$1612	$275
DUI	$1643	$273
Leaving scene of an accident/hit and run	$1662	$283

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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 Bloomfield 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 Bloomfield.

The cheapest car insurance premiums in Bloomfield are offered by Western National at $189 for a six-month policy. However, it can be as expensive as $2462 with companies like Grinnell Mutual.

Bloomfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$189	$32
Grange	$246	$41
Travelers	$246	$41
West Bend Mutual	$246	$41
Progressive	$473	$80
State Farm	$548	$92
American Family	$900	$152
Allstate	$1933	$329
Auto-Owners	$2059	$343
Farm Bureau	$2148	$365
Nationwide	$2304	$384
Grinnell Mutual	$2462	$419

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 Bloomfield are offered by Westfield at $139. However, it can be as expensive as $1612 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bloomfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
West Bend Mutual	$163	$28
Western National	$189	$32
Iowa Farm Bureau	$208	$35
Travelers	$208	$35
Grange	$214	$36
State Farm	$359	$60
Progressive	$529	$89
American Family	$636	$107
Farm Bureau	$1203	$200
Grinnell Mutual	$1272	$216
Nationwide	$1461	$244
Auto-Owners	$1512	$257
Allstate	$1612	$268

Car Insurance Price Trends in Bloomfield, Iowa

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

The average cost of full coverage in the Bloomfield remained steady at $148 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Bloomfield remained steady at $31 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Bloomfield?

The car insurance in Bloomfield is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Bloomfield?

The cheapest car insurance in Bloomfield is $65 per month for full coverage.

How much is car insurance in Bloomfield for teenagers?

Car insurance for teenagers costs $139 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 Bloomfield?

The average cost of car insurance is $699 for a six-month policy. It will cost around $124 per month to insure your car in Bloomfield.

Is car insurance expensive in Bloomfield?

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

Cheapest Car Insurance Quotes in Bloomfield

Why you can trust Way?

How Much Is Car Insurance in Bloomfield

Avg. Car Insurance in Bloomfield

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Bloomfield

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Bloomfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Bloomfield, IA

Way's key takeaways about car insurance in Bloomfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bloomfield

Cheapest Liability Coverage in Bloomfield, IA

Cheapest Full Coverage Car Insurance in Bloomfield

Cheapest Full Coverage Car Insurance Quotes in Bloomfield, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bloomfield by Rating Factor

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

Car Insurance Premiums by Age in Bloomfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bloomfield,IA

If you are in your twenties N/A is the best choice for car insurance in Bloomfield.

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 Bloomfield

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

Bloomfield Car Insurance Rates by Violation

Bloomfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bloomfield after a DUI

Bloomfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bloomfield after Speeding ticket

Car Insurance Price Trends in Bloomfield, Iowa

Average Car Insurance Cost in Bloomfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bloomfield, IA

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

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