Car Insurance Cost in Bloomington, IN (2025)

• Bloomington car insurance rates cost an average of $2,076 per year, or about $173 per month, for a full coverage policy.
• Models like the Buick Envision, Kia Soul, Nissan Kicks, and Chevrolet Trailblazer have the best chance of receiving cheap car insurance in Bloomington.
• A few vehicles with the cheapest auto insurance in Bloomington for their respective segments include the Acura RDX at $1,734 per year, Subaru Crosstrek at $1,534 per year, Chevrolet Colorado at $1,826 per year, and Nissan Titan at $1,942 per year.

How much does car insurance cost in Bloomington?

Bloomington car insurance costs an average of $2,076 per year, which is 9.2% less than the U.S. average rate of $2,276. Average car insurance cost per month in Bloomington is $173 for full coverage auto insurance.

In the state of Indiana, the average car insurance expense is $2,080 per year, so the average cost in Bloomington is $4 less per year. The average cost of car insurance in Bloomington compared to other Indiana cities is around $52 per year more than in South Bend, $104 per year cheaper than in Indianapolis, and $286 per year less than in Hammond.

Driver age has the single biggest impact on the price of auto insurance. The list below details how driver age influences cost by breaking out average car insurance rates for young, middle-age, and senior drivers.

Average cost of car insurance in Bloomington, Indiana, by driver age

• 16 year old – $7,393 per year or $616 per month
• 17 year old – $7,161 per year or $597 per month
• 18 year old – $6,417 per year or $535 per month
• 19 year old – $5,842 per year or $487 per month
• 20 year old – $4,174 per year or $348 per month
• 30 year old – $2,214 per year or $185 per month
• 40 year old – $2,076 per year or $173 per month
• 50 year old – $1,840 per year or $153 per month
• 60 year old – $1,722 per year or $144 per month

The chart below summarizes car insurance cost in Bloomington for different common policy situations. Rates are averaged for all Bloomington Zip Codes and shown based on an assortment of driver ages and possible risk profiles.

The average cost of car insurance per month in Bloomington is $173, with prices ranging from $144 to $398 for the average costs shown in the previous chart.

Bloomington’s favorite vehicles and the cost to insure them

The previous car insurance rates in this article take all 2024 models and come up with an average cost, which is helpful for making generalized comparisons like the cost difference between two locations. Average auto insurance rates work well when presented with a question like “is car insurance cheaper in Bloomington or Fort Wayne?” or “are Indiana car insurance rates cheaper than in New York?”.

For more in-depth auto insurance comparisons, however, it makes better sense to use rates for the exact vehicle being insured. Each vehicle model has slightly different risk characteristics for liability and physical damage claims, and this data enables us to make more detailed comparisons.

The chart below shows the cost of car insurance for some of the more popular cars, trucks, and SUVs insured in Bloomington. Later on, we will cover car insurance rates for a few of these models even more in-depth.

The vehicle models that are popular in Bloomington tend to be compact or midsize sedans like the Hyundai Elantra, Toyota Corolla, and Nissan Altima and compact and midsize SUVs like the Toyota RAV4 and Jeep Grand Cherokee.

Some additional popular vehicles from different automotive segments include luxury SUVs like the Lexus RX 350, Cadillac XT5, and BMW X5, luxury cars like the Lexus ES 350, BMW 530i, and Acura ILX, and pickup trucks like the Chevy Silverado, Toyota Tacoma, and Ram 1500.

We will explore auto insurance rates for many more models in a little bit, but before we get into those numbers, let’s take a quick look at the primary concepts that we covered up to this point.

• Bloomington car insurance cost is less than the U.S. average – $2,076 (Bloomington average) compared to $2,276 (U.S. average)
• Insurance rates drop a lot in your twenties – The average 30-year-old Bloomington, IN, driver will pay $1,960 less annually than a 20-year-old driver, $2,214 versus $4,174.
• Car insurance costs less as you get older – Rates for a 40-year-old driver in Bloomington are $2,098 per year cheaper than for a 20-year-old driver.
• Insurance for a teenager can be very expensive – The average cost ranges from $4,944 to $7,393 per year for insurance on a teen driver in Bloomington.
• Teen females have cheaper rates than teenage males – Teenage female drivers age 16 to 19 pay $898 to $488 less each year than their male counterparts.
• Average cost per month ranges from $144 to $616 – That is the average car insurance cost range for insured drivers age 16 to 60 in Bloomington.

Which cars have cheap insurance in Bloomington, IN?

When all car, SUV, and pickup insurance rates are compared, the vehicles with the most affordable car insurance quotes in Bloomington tend to be crossovers and small SUVs like the Kia Soul, Subaru Crosstrek, Toyota Corolla Cross, and Buick Envision. Average car insurance rates for those compact SUVs cost $1,684 or less per year, or $140 per month, for full coverage car insurance.

Some additional models that rank in the top 20 in our car insurance price comparison are the Honda CR-V, Buick Envista, Volkswagen Tiguan, and Ford Bronco Sport.

Insurance rates are slightly more for those models than the cheapest small SUVs at the top of the rankings, but they still have an average insurance cost of $1,802 or less per year, or $150 per month in Bloomington.

The next table details the 40 cheapest vehicles to insure in Bloomington, ordered by annual cost.

A list of 40 vehicle rankings is probably not the best way to present a comprehesive view of the cost of car insurance. Considering we track over 700 makes and models of vehicles, that’s a lot of vehicles that get omitted from the list. So let’s take a different approach and reorganize the models with the lowest rates in a different format, by segment.

The section below goes into detail about the different automotive segments and the average cost of car insurance in Bloomington. The rates shown will give you a good foundation of the automotive segments that have the overall least expensive Bloomington auto insurance rates. The six sections after the chart rank the most affordable auto insurance in each segment.

Cost to insure by automotive segment

If you’re looking around at new or used cars, it is useful to know which kinds of vehicles have better car insurance rates in Bloomington. To illustrate this, many people wonder if compact SUVs have cheaper insurance than compact cars or if full-size pickups are more affordable to insure than midsize pickups.

The chart below displays average car insurance cost by vehicle segment in Bloomington. From a segment comparison perspective, small SUVs, vans, and midsize pickups tend to have the least expensive average rates, with luxury, performance, and sports cars having the most expensive average cost to insure.

Average rates by segment are fine for overall comparisons, but rates vary quite a lot within each vehicle segment displayed above.

For example, in the midsize SUV segment, average Bloomington insurance rates range from the Honda Passport at $1,652 per year for full coverage insurance to the Rivian R1S costing $2,552 per year. In the large luxury SUV segment, the average insurance cost ranges from the Infiniti QX80 costing $2,326 per year up to the Mercedes-Benz G63 AMG costing $4,460 per year.

In the next sections, we eliminate a lot of this variability by analyzing car insurance cost from a model perspective rather than by segment.

Cars with the cheapest insurance rates in Bloomington

Ranked at #1 in Bloomington for cheapest average insurance rates in the non-luxury car segment is the Toyota GR Corolla, with an average cost of $1,802 per year. Second place is the Nissan Leaf at $1,818 per year, and coming in third is the Honda Civic, costing an average of $1,838 per year.

Not the cheapest in the list, but still ranking well, are models like the Toyota Corolla, Honda Accord, Toyota Prius, and Chevrolet Malibu, with average annual insurance rates of $2,022 per year or less.

Car insurance in this segment for the average driver starts at around $150 per month, depending on your location.

If ranked by vehicle size, the lowest-cost non-luxury compact car to insure in Bloomington is the Toyota GR Corolla at $1,802 per year. For midsize cars, the Kia K5 has the cheapest rates at $2,000 per year. And for large cars, the Chrysler 300 has the cheapest car insurance rates at $1,974 per year.

The comparison table below ranks the twenty cars with the lowest-cost car insurance rates in Bloomington.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see your car in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Bloomington car insurance quotes from top auto insurance companies in Indiana.

Cheap SUVs to insure in Bloomington

Ranking in the top five for the lowest-cost Bloomington car insurance rates in the SUV segment (excluding luxury models) are the Kia Soul, Chevrolet Trailblazer, Nissan Kicks, Honda Passport, and Subaru Crosstrek. Auto insurance rates for these vehicles average $1,652 or less per year, or around $138 per month.

Not the cheapest SUVs to insure, but still affordable, are SUVs like the Mazda CX-5, Buick Envision, Toyota Corolla Cross, and Hyundai Venue, with an average cost to insure of $1,700 per year or less.

Ranked between 10th and 20th place, SUVs like the Volkswagen Tiguan, Honda HR-V, Kia Niro, Buick Envista, Nissan Murano, and Volkswagen Taos average between $1,700 and $1,806 per year to insure.

From a cost per month standpoint, full-coverage car insurance in this segment for an average middle-age driver can cost as low as $128 per month, depending on your location.

If vehicle size is considered, the most affordable non-luxury compact SUV to insure in Bloomington is the Subaru Crosstrek at $1,534 per year. For midsize 2024 models, the Honda Passport has the cheapest rates at $1,652 per year. And for large SUVs, the Chevrolet Tahoe is cheapest to insure at $1,948 per year.

The table below ranks the SUVs with the lowest-cost insurance rates in Bloomington, starting with the Subaru Crosstrek at $128 per month and ending with the Subaru Ascent at $151 per month.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see your SUV in the table above? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Bloomington car insurance quotes from top companies in Indiana.

Pickups with cheap car insurance in Bloomington, Indiana

Ranking at the top of the list for the cheapest Bloomington car insurance rates in the pickup segment are the Nissan Titan, Nissan Frontier, Chevrolet Colorado, Ford Maverick, and Ford Ranger. Rates for these vehicles average $2,012 or less per year, or around $168 per month.

Not the cheapest to insure, but still ranked well, are pickups like the Honda Ridgeline, Hyundai Santa Cruz, GMC Sierra 2500 HD, and GMC Canyon, with average rates of $2,136 per year or less.

Full-coverage auto insurance for this segment in Bloomington for a good driver will start around $152 per month, depending on your location.

The table below ranks the twenty pickups with the lowest-cost car insurance rates in Bloomington, starting with the Chevrolet Colorado at $1,826 per year ($152 per month) and ending with the Ram Truck at $2,400 per year ($200 per month).

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see insurance cost for your pickup? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Bloomington car insurance quotes from top-rated companies in Indiana.

Sports cars with cheap car insurance rates

The three highest ranking sports cars with the lowest-cost insurance in Bloomington are the Mazda MX-5 Miata at $1,922 per year, the Toyota GR86 at $2,186 per year, and the Ford Mustang at $2,282 per year.

Also ranking well in our comparison are cars like the BMW M2, Lexus RC F, Subaru BRZ, and Nissan Z, with average annual insurance rates of $2,480 per year or less.

On a monthly basis, full-coverage car insurance in this segment starts at an average of $160 per month, depending on where you live and the company you use. The comparison table below ranks the sports cars with the most affordable insurance rates in Bloomington, starting with the Mazda MX-5 Miata at $1,922 per year ($160 per month) and ending with the Porsche Taycan at $3,514 per year ($293 per month).

Don’t see rates for your sports car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Indiana.

Luxury cars with the best auto insurance rates

The #1 ranking in Bloomington for cheapest insurance in the luxury sedan segment is the Acura Integra, costing $1,846 per year. Second place is the BMW 330i costing $2,112 per year, the third cheapest is the Mercedes-Benz CLA250, costing an average of $2,134 per year, and the fourth most affordable is the Lexus IS 300, at an average of $2,138 per year.

Also ranking well are cars like the Mercedes-Benz AMG CLA35, Lexus ES 350, Cadillac CT4, and Genesis G70, with average rates of $2,182 per year or less.

As a cost per month, full-coverage car insurance in this segment for a safe driver starts at around $154 per month, depending on where you live and the company you use.

If rates are ranked by vehicle size, the most affordable compact luxury car to insure in Bloomington is the Acura Integra at $1,846 per year, or $154 per month. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,134 per year, or $178 per month. And for large luxury cars, the Audi A5 has the cheapest car insurance rates at $2,464 per year, or $205 per month.

The table below ranks the twenty cars with the cheapest average insurance rates in Bloomington, starting with the Acura Integra at $154 per month and ending with the Audi S3 at $194 per month.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Indiana.

Luxury SUVs with cheap insurance rates

The top five models for the most affordable Bloomington auto insurance rates in the luxury SUV segment are the Jaguar E-Pace, Acura RDX, Cadillac XT4, Cadillac XT5, and Lexus NX 250. Car insurance quotes for these vehicles average $1,960 or less per year.

Additional luxury SUVs that have cheaper rates are the Lincoln Corsair, Lexus NX 450h, Lexus UX 250h, and Lexus NX 350h, with average annual insurance rates of $2,002 per year or less.

From a cost per month standpoint, auto insurance in Bloomington on this segment for a good driver starts at an average of $145 per month, depending on your company and location.

When ranked by vehicle size, the cheapest compact luxury SUV model to insure in Bloomington is the Acura RDX at $1,734 per year, or $145 per month. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $1,940 per year, or $162 per month. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,326 per year, or $194 per month.

The table below ranks the SUVs with the lowest-cost auto insurance rates in Bloomington, starting with the Acura RDX at $1,734 per year ($145 per month) and ending with the Lexus RX 350 at $2,082 per year ($174 per month).

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Is your luxury SUV not in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Indiana.

How to find cheaper Bloomington auto insurance

Resourceful drivers are often looking to save money on insurance So take a minute to review the tips in the list below and maybe you’ll find a way to save a little dough on your next car insurance policy.

• Remove optional coverage on older vehicles. Removing comprehensive and collision coverage from older vehicles that are no longer worth much can reduce the cost of auto insurance considerably.
• Buy vehicles that are cheaper to insure. The type of vehicle you drive has a big impact on the price you pay for car insurance in Bloomington. For example, a Kia Soul costs $2,420 less per year to insure in Bloomington than a Nissan GT-R. Lower performance vehicles cost less to insure.
• Don’t file small claims. Most insurers offer discounts if you have not filed any claims. Auto insurance is intended to be used to protect you from large financial hits, not minor claims that should be paid out-of-pocket.
• Improve your credit rating to save on insurance. Having a credit score over 800 could save as much as $326 per year over a lower credit rating of 670-739. Conversely, a poor credit score could cost up to $378 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Avoid accidents and save. Causing frequent accidents will increase insurance cost, potentially up to $2,964 per year for a 20-year-old driver and even $506 per year for a 60-year-old driver. So be safe and save.
• Compare the cost of insurance before buying a car. Different cars, and even different trim levels of the same car, can have significantly different car insurance rates, and insurers charge very different rates. Get multiple insurance quotes before you purchase so you can avoid price shock when insuring your new vehicle.