Best Auto Insurance Rates in Bloomington, Illinois

On average your neighbors pay $67 a month.

Compare Auto Insurance in Bloomington

Friday, November 9 2018 By QuoteWizard

Bloomington is the county seat of Illinois’ largest county, McLean. Also part of McLean County is Bloomington's twin city, Normal. Bloomington-Normal is a blooming portion of the state (pun intended). It’s one of the fastest growing metropolitan areas in Illinois. According to the city’s official site, its population increased by 20 percent between 1986 and 1995.

That kind of growth can mean both good and bad things for a city like Bloomington. On the negative side, it often means traffic congestion and higher insurance rates. Let QuoteWizard get you out of that jam. We’ll help you find cheap car insurance that fits your specific needs.

Average Bloomington Car Insurance Rates

How much is car insurance in Bloomington, IL? Drivers here will tell you, rates here are expensive. Many pay higher premiums than both the state and national average. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Prices will vary depending on your driving record and the number of points on your driver's license, coverage, policy limits, and the number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Bloomington, Illinois and save up to 40% on your premium.

Last year, 1,029 people used QuoteWizard to compare car insurance quotes in Bloomington, IL from multiple companies.

Best Car Insurance Companies in Bloomington, IL

This is our list of the most common car insurance companies reported by the 1,029 QuoteWizard users in Bloomington, Illinois last year. Of these users, 41 did not have insurance when they asked for a quote.

  1. State Farm
  2. Allstate
  3. Progressive
  4. Country Financial
  5. GEICO
  6. Farmers
  7. AAA
  8. Esurance
  9. Liberty Mutual
  10. American Family

Top 10 Vehicles in Bloomington

These are the most common car makes and models owned by Bloomington, IL drivers who requested quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Chevrolet Impala
  3. Ford Ranger
  4. Ford Taurus SE
  5. Hyundai Sonata GLS
  6. Chrysler PT Cruiser
  7. Chevrolet S10
  8. Chevrolet Malibu
  9. Chevrolet Blazer
  10. Toyota Camry LE

Minimum Car Insurance Requirements in Bloomington, IL

Bloomington, Illinois, has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most insurance companies will pay in total for every person injured in an accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a crash.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence Bloomington insurance rates.

Weather

The city of Bloomington has a humid climate with long, hot summers and cold, sometimes severe winters. It experiences around 194 sunny days each year and about 100 days of measurable precipitation. Bloomington sees some snow—16 inches annually, on average. That often means slick roads and traffic accidents.

Road Conditions

According to Tripnet.org, 67 percent of Illinois’ major roads are in poor or mediocre condition. These poorly maintained roads costs drivers $4.4 billion, or $540 per motorist, in extra vehicle operating costs per year. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.

Due to an increase in potholes, Bloomington Public Works has asked for the public's help in reporting them. To report a pothole, call the Pothole Hotline at (309)-434-BUMP.

Traffic Congestion

Traffic data provider Inrix has created a traffic scorecard that measures key factors of US cities’ traffic congestion. Bloomington commuters spend an average of 10 extra hours on the road each year because of congestion. On top of that, they also spend around $233 in traffic congestion costs.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.

Traffic Tickets

The McLean County Clerk of Courts website allows residents to pay traffic tickets and provides other court information.

In 2015, Bloomington Police Department pulled over or arrested 712 drivers for motor vehicle related offenses. This is a 26 percent decrease from the 959 motor vehicle offenses in 2014.

Drunk Driving Arrests

Arrests for driving under the influence (DUI) can have a big impact on your insurance rates. In 2015, the Bloomington Police Department made 174 DUI arrests—an 18 percent decrease from the 213 arrests made in 2014.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Bloomington DUI insurance.

Vehicle Theft Rates

Bloomington experienced 59 motor vehicle thefts in 2014, a rate of 0.75 per 1,000 residents. This is well under the national average of 2.16 per 1,000 people.

Car Insurance Discounts in Bloomington

Discounts are one of the best ways to lower your insurance rates. These are some of the auto insurance discounts available to drivers in Bloomington, IL.

  1. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  2. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  3. Maintain at least a B grade point average in school to qualify for the good student discount
  4. Get a new car with advanced safety features like electronic stability control or anti-lock brakes
  5. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  6. Are you married or getting married soon? Some insurers offer a discount to married couples
  7. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  8. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  9. Take a defensive driving course from an accredited driver safety school
  10. Shop around and compare low-cost Bloomington car insurance quotes

Sources:

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