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Cheap Auto Insurance Quotes in Bloomington, IN (January 2022)

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Last Updated: January 2022

Car Insurance in Bloomington, IN

The average cost of Indiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bloomington, IN to find you the cheapest quotes in the area.
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ProgressiveState FarmTravelersNationwideThe General

Cheapest Car Insurance in Bloomington, IN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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IndianaIndianapolisFort WayneEvansvilleSouth BendBloomington
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Bloomington, IN Driving Facts

indiana

Minimum Car Insurance Requirements in IN

Indiana drivers must purchase car insurance and must carry proof of financial responsibility in their vehicles. Unlike many states, Indiana requires uninsured motorist protection in addition to property damage liability and bodily injury liability coverage. 

Motorists are required to purchase auto insurance coverage meeting these minimums:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two or more persons
  • $25,000 for property damage liability
  • $50,000 Uninsured Motorist Coverage

Insurify Insights: How Bloomington Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Bloomington, IN
suspended licenses
#17
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Bloomington drivers measure up to their fellow Indiana motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Bloomington

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bloomington drivers rank 8 in the number of car accidents per driver across all cities in Indiana.

  • Rank within state: #8
  • Percent of drivers in Bloomington with an accident: 12.54%
  • Drivers in Bloomington, IN with an accident in their driving history paid on average 36.44% more than drivers with a clean record

Speeding in Bloomington

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Indiana, Bloomington drivers rank 27 in the number of speeding infractions per driver.

  • Rank within state: #27
  • Percent of drivers in Bloomington with a speeding ticket: 7.04%
  • Drivers in Bloomington, IN with a speeding ticket in their driving history paid on average 16.95% more than drivers with a clean record

DUI/DWIs in Bloomington

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bloomington drivers rank 13 in the number of DUI’s per driver across all cities in Indiana.

  • Rank within state: #13
  • Percent of drivers in Bloomington with a DUI: 2.75%
  • Drivers in Bloomington, IN with a DUI in their driving history paid on average -87.29% more than drivers with a clean record

Most Popular Vehicle in Bloomington

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bloomington is the Honda Civic.

Rude Drivers in Bloomington

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Indiana, Bloomington drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Bloomington with a reckless driving violation: 2.58%
  • Drivers in Bloomington, IN with a reckless driving violation in their driving history paid on average 14.41% more than drivers with a clean record.

Safest Drivers in Bloomington

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Bloomington drivers rank 7 in clean driving records across all cities in Indiana.

  • Rank within state: #7
  • Percent of drivers in Bloomington with clean record: 77.84%

Failure to Yield the Right of Way in Bloomington

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Bloomington drivers rank 1 in failure to yield violations per driver across all cities in Indiana.

  • Rank within state: #1
  • Percent of drivers in Bloomington with a failure to yield violation: 0.86%
  • Drivers in Bloomington, IN with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Bloomington

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Indiana, Bloomington drivers rank 11 in the number of reckless driving offenses per driver.

  • Rank within state: #11
  • Percent of drivers in Bloomington with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership in Bloomington

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Bloomington drivers rank 11 in hybrid and electric vehicle ownership across all cities in Indiana.

  • Rank within state: #11
  • Percent of drivers in Bloomington with a hybrid/electric vehicle: 1.06%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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