Bloomington Car Insurance

How much does car insurance cost in Bloomington, IL? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Bloomington?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Illinois has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Bloomington typically pay around $84.19 per month compared to the national average of $135.61 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.61
Illinois $95.26
Bloomington, Illinois $84.19

Bloomington, IL Best Car Insurance Companies

car insurance in Bloomington

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Pekin Insurance generally has the most affordable car insurance in Bloomington coming in around $74.64 per month. Other companies to consider if you live in Bloomington is SECURA Insurance with an average cost of $82.71 per month and USAA which typically runs around $83.40 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Bloomington.

RankCompanyAverage Monthly RateComparison State Average
1 Pekin Insurance $74.64-21.65%
2 SECURA Insurance $82.71-13.17%
3 USAA $83.40-12.45%
4 Travelers $83.86-11.97%
5 Hastings Mutual Insurance Co $83.90-11.93%
6 Auto-Owners Insurance Co $84.82-10.96%
7 State Farm $86.06-9.65%
8 SAFECO $89.73-5.81%
9 Encompass $93.93-1.40%
10 Direct Auto $97.602.46%

How Much is Car Insurance in Bloomington, IL?

how much is auto insurance in Bloomington

Rates can vary from city to city. The residents of Aurora typically pay $96.20 per month while people who live in Bloomington will pay $84.15 per month on average. See what people pay for car insurance in other cities in Illinois.

Illinois CitiesMonthly Average Rate
Aurora $96.20
Bloomington $84.15
Chicago $110.00
Peoria $77.19
Rockford $84.60
Springfield $80.45

Cheap Car Insurance in Bloomington by Zip Codes

find cheap auto insurance in Bloomington

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Illinois. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Bloomington, IL ZIP CodeAverage Monthly Rate
61701$83.10
61704$82.57
61705$83.61
61791$263.63

Car Insurance Rates by Driver's Age Group in Bloomington

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $162.15 per month in Bloomington. Compare that to drivers in their 30’s who typically pay around $55.15 per month drivers in their 40s at $63.41 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$162.15
20s$102.11
30s$55.15
40s$63.41
50s$54.21
60s$50.35
70+$60.72

Cheapest Insurance for Teenage Drivers in Bloomington

If you are teen in Bloomington you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Hastings Mutual Insurance Co typically charges around $156.34 per month. This is likely the most affordable option in Bloomington. You might also want to consider Direct Auto and Travelers who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Hastings Mutual Insurance Co$156.34
Direct Auto$176.93
Travelers$204.17
Pekin Insurance$212.17
SECURA Insurance$229.17

Cheapest Insurance for 20 Year-olds in Bloomington

20 year-olds in Bloomington might want to consider Pekin Insurance who, on average, offers car insurance rates around $100.28 per month. Direct Auto, State Farm , SECURA Insurance and Auto-Owners Insurance Co are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Pekin Insurance$100.28
Direct Auto$105.14
State Farm$106.44
SECURA Insurance$107.69
Auto-Owners Insurance Co$107.92

Cheapest Insurance for 30 Year-olds in Bloomington

If you are in your 30s in Bloomington our research has found that Pekin Insurance typically has the most affordable coverage coming in around $49.22 per month, followed by Auto-Owners Insurance Co at $49.60 and Travelers at $52.55.

CompanyAverage Monthly Rate
Pekin Insurance$49.22
Auto-Owners Insurance Co$49.60
Travelers$52.55
SECURA Insurance$54.89
State Farm$55.08

Cheapest Insurance for 40 Year-olds in Bloomington

On average, Pekin Insurance offers car insurance for 40 year-olds in Bloomington for around $50.89 per month. If you are looking for affordable coverage, you may also want to consider Auto-Owners Insurance Co or SECURA Insurance. The full list of top companies is below.

CompanyAverage Monthly Rate
Pekin Insurance$50.89
Auto-Owners Insurance Co$54.42
SECURA Insurance$55.31
Travelers$57.36
Rockford Mutual Insurance$57.75

Cheapest Insurance for 50 Year-olds in Bloomington

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Bloomington we found that Direct Auto generally offers the most affordable coverage at $59.63 per month.

CompanyAverage Monthly Rate
Direct Auto$59.63
Pekin Insurance$69.00
Automobile Club of Missouri$72.33
State Farm$79.33
Travelers$85.00

Cheapest Insurance for 60 Year-olds in Bloomington

If you live in Bloomington and you’re in your 60s, our data indicates that SAFECO usually has the best rates at $29.33 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
SAFECO$29.33
Pekin Insurance$34.00
Auto-Owners Insurance Co$36.92
Grange Mutual$37.17
USAA$40.75

Driver's Coverage Auto Insurance Rates in Bloomington, IL

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Bloomington, the average monthly rate for a driver who is currently insured is $80.17 while drivers who are not currently covered will pay around $87.64.

CoverageAverage Monthly Rate
Not Currently Insured $87.64
Currently Insured $80.17

Compare Recent Car Insurance Quotes in Bloomington

auto insurance quotes in Bloomington city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Bloomington a driver of a 2013 Toyota Highlander can expect to pay around $62.40 per month while someone that owns a 2002 Dodge Neon may pay around $64.20 per month. Check out the list of recent quotes in Bloomington below.

VehicleAverage Monthly Rate
2013 Toyota Highlander$62.40
2002 Dodge Neon$64.20
2003 Buick Century$193.65
2003 Buick Century$193.65
1993 Ford Escort$143.10
1993 Ford Escort$66.90
2008 Ford Taurus$69.00
2017 Chrysler Pacifica$42.00
1998 Buick Lesabre$60.30
2003 Chevrolet Silverado$55.20

FAQ's for Drivers in Bloomington, IL

driver’s frequently asked question in Bloomington

What Is the Minimum Liability Coverage Requirement in Bloomington, IL?

In Illinois, you are legally required to obtain liability insurance and uninsured motorist coverage. Both are for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passengers in another vehicle (whether or not the other driver is insured or is underinsured). Liability coverage pays up to the amounts listed below.* It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

Since Illinois is a “fault” or “tort” state, your carrier will pay for accident damages only once you are found responsible for causing the accident. You can also be sued by the other driver if found at fault. Consider this: $20,000 is the maximum payment for property damage in Illinois but you collide with a $35,000 vehicle. If you are found at fault, you are on the hook for any damages beyond $20,000. Between this and the high cost of medical care, we recommend you carry more than the minimum required coverage!

  •  $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $20,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

What Is the Blood Alcohol Concentration (BAC) limit in Bloomington, IL?

It is illegal for an individual to operate a motor vehicle in Illinois with the following BAC percentages:

.08%+ @ 21 years old or older

.04%+ for commercial vehicle drivers

.01%+ @ < 21 years old

Does Illinois allow the use of digital insurance cards?

Yes! Thanks to Bill SB1775, getting pulled over in Illinois is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!

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Commute Time in Bloomington, IL

15.9 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Bloomington, IL

1174

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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