Car Insurance in Bloomington, MN – 2025 Cheapest Autos + Rankings

What is the average cost of car insurance in Bloomington? We break down average auto insurance rates for 150+ vehicles and reveal the models with the cheapest car insurance quotes.

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How much does car insurance cost in Bloomington?

The average car insurance expense in Bloomington is $2,230 per year, or approximately $186 per month for a policy that provides full coverage. It costs 0.4% more to insure the average vehicle in Bloomington than the U.S. average rate of $2,221.

When prices are compared to other larger cities in Minnesota, the average cost of auto insurance in Bloomington is $266 per year less than in Minneapolis, $138 per year more than in Rochester, and $274 per year cheaper than in St Paul.

Driver age is probably the number one factor that determines the cost of car insurance, so the list below illustrates this point by showing the difference in average car insurance rates for drivers from age 16 to 60.

Bloomington, Minnesota, car insurance cost for drivers age 16 to 60

  • 16-year-old rated driver – $7,937 per year or $661 per month
  • 17-year-old rated driver – $7,690 per year or $641 per month
  • 18-year-old rated driver – $6,891 per year or $574 per month
  • 19-year-old rated driver – $6,278 per year or $523 per month
  • 20-year-old rated driver – $4,484 per year or $374 per month
  • 30-year-old rated driver – $2,378 per year or $198 per month
  • 40-year-old rated driver – $2,230 per year or $186 per month
  • 50-year-old rated driver – $1,974 per year or $165 per month
  • 60-year-old rated driver – $1,850 per year or $154 per month

The next chart shows different average Bloomington car insurance rates based on an assortment of driver ages, physical damage coverage deductibles, and driver risk profiles.

Average car insurance rates in Bloomington for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Bloomington for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Bloomington includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Bloomington, MN
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,126$427
Safe Driver Age 20$4,484$374
At-fault Accidents Age 40$3,154$263
Low Deductibles Age 40$2,918$243
Safe Driver Age 30$2,378$198
Safe Driver Age 40$2,230$186
Safe Driver Age 50$1,974$165
High Deductibles Age 40$1,876$156
Safe Driver Age 60$1,850$154
Discount Rate Age 40$1,850$154

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

Average car insurance rates in the chart above range from $1,850 per year for a 40-year-old driver who qualifies for a great discount rate to $5,126 per year for a 30-year-old driver who has a few accidents and violations and has to buy a high risk policy.

When the rates shown in the chart are converted to monthly figures, the average cost of car insurance per month in Bloomington ranges from $154 to $427.

Auto insurance rates are extremely variable and seemingly inconsequential changes in a driver’s risk profile can have consequential effects on car insurance cost. The likelihood of significant rate variability reinforces the need to get multiple car insurance quotes when looking for a cheaper car insurance policy.

The previous auto insurance rates in this article are the average cost across all 2024 model year vehicles, which is helpful when making broad comparisons like the average cost difference by driver age or location. Average car insurance rates are excellent when presented with a question like “are Bloomington auto insurance rates cheaper than in Duluth?” or “are Minnesota auto insurance rates cheaper than in Texas?”.

But for more in-depth car insurance rate comparisons, it makes better sense to use rates for the exact vehicle being insured. Each individual vehicle model has unique characteristics for calculating how much car insurance costs and this data allows for detailed comparisons.

The next chart breaks down average insurance rates in Bloomington for some of the most popular cars, trucks, and SUVs. Later on in this article, we will cover the cost of insuring some of these vehicles in much more detail.

Average cost to insure popular 2024 model year vehicles in Bloomington.
Figure 2: Average cost to insure popular 2024 model year vehicles in Bloomington. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Bloomington Zip Codes.

Bloomington, Minnesota Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Mazda CX-5$1,816$151
Honda CR-V$1,898$158
Honda Civic$1,972$164
Nissan Rogue$2,002$167
Toyota RAV4$2,054$171
Ford Ranger$2,128$177
Toyota Corolla$2,172$181
Toyota Camry$2,394$200
GMC Sierra$2,458$205
Chevrolet Silverado$2,466$206
Ford Bronco$2,470$206
Ford F150$2,492$208
Ram Truck$2,576$215

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Bloomington, MN Zip Codes. Updated June 27, 2025

Which vehicles cost the least to insure in Bloomington?

The models with the cheapest average auto insurance rates in Bloomington, MN, tend to be compact SUVs like the Chevrolet Trailblazer, Kia Soul, Toyota Corolla Cross, and Buick Envision. Average insurance rates for those small SUVs cost $151 or less per month for full coverage car insurance.

Examples of other vehicles that rank in the top 20 in our insurance cost comparison are the Buick Envista, Honda CR-V, Ford Bronco Sport, and Kia Niro. The average cost is a few dollars per month higher for those models than the small SUVs that rank at the top, but they still have an average cost of $1,938 or less per year, or $162 per month in Bloomington.

The table below details the top 50 cheapest vehicles to insure in Bloomington, ordered starting with the cheapest.

Top 50 Cheapest Car Insurance Rates in Bloomington, MN
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,646$137
2Chevrolet Trailblazer$1,674$140
3Kia Soul$1,740$145
4Nissan Kicks$1,754$146
5Honda Passport$1,774$148
6Buick Envision$1,784$149
7Toyota Corolla Cross$1,796$150
8Hyundai Venue$1,810$151
9Mazda CX-5$1,816$151
10Ford Bronco Sport$1,826$152
11Volkswagen Tiguan$1,844$154
12Acura RDX$1,862$155
13Nissan Murano$1,872$156
14Buick Encore$1,892$158
15Honda CR-V$1,898$158
16Subaru Outback$1,898$158
17Buick Envista$1,902$159
18Volkswagen Taos$1,908$159
19Kia Niro$1,918$160
20Toyota GR Corolla$1,936$161
21Honda HR-V$1,938$162
22Subaru Ascent$1,938$162
23Nissan Leaf$1,950$163
24Chevrolet Colorado$1,960$163
25Lexus NX 250$1,970$164
26Honda Civic$1,972$164
27Volkswagen Atlas$1,974$165
28Acura Integra$1,980$165
29Subaru Forester$1,982$165
30Volkswagen Atlas Cross Sport$1,984$165
31Kia Seltos$1,988$166
32GMC Terrain$1,994$166
33Nissan Rogue$2,002$167
34Hyundai Kona$2,004$167
35Mazda CX-30$2,008$167
36Cadillac XT4$2,010$168
37Volkswagen ID4$2,020$168
38Ford Explorer$2,022$169
39Toyota Highlander$2,028$169
40Ford Escape$2,032$169
41Honda Odyssey$2,034$170
42Toyota Venza$2,034$170
43Nissan Sentra$2,042$170
44Subaru Impreza$2,048$171
45Chevrolet Equinox$2,050$171
46Toyota RAV4$2,054$171
47Mazda MX-5 Miata$2,062$172
48Mazda MX-30$2,066$172
49Hyundai Tucson$2,070$173
50Chevrolet Traverse$2,078$173

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bloomington, MN Zip Codes. Updated June 27, 2025

Top 50 cheapest vehicles to insure in Bloomington, MN with the Subaru Crosstrek ranking first at $1,646 per year
Top 50 cheapest vehicles to insure in Bloomington, MN with the Subaru Crosstrek ranking first at $1,646 per year

The table above that contains 50 vehicle rankings is fine if you just want a vehicle with dirt cheap insurance rates. A better way to examine car insurance rates for more vehicle models is by sorting them by vehicle segment. The next sections list the vehicles with the most affordable auto insurance rates for each of the main vehicle segments.

Cars with affordable auto insurance rates

Ranked at #1 in Bloomington for cheapest auto insurance in the car segment is the Toyota GR Corolla, costing an average of $1,936 per year. Second place is the Nissan Leaf at $1,950 per year, third place goes to the Honda Civic, costing an average of $1,972 per year, and ranking fourth is the Nissan Sentra, costing an average of $2,042 per year.

Not the cheapest, but still in the top 10, are cars like the Chevrolet Malibu, Toyota Corolla, Toyota Prius, and Kia K5, with an average cost to insure of $2,172 per year or less.

Full-coverage insurance for this segment in Bloomington for a middle-age safe driver starts at around $161 per month, depending on the company and where you live.

When vehicle size is considered, the lowest-cost compact car to insure in Bloomington is the Toyota GR Corolla at $1,936 per year, or $161 per month. For midsize models, the Kia K5 has the cheapest rates at $2,144 per year, or $179 per month. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $2,120 per year, or $177 per month.

The next table ranks the twenty cars with the cheapest car insurance in Bloomington, starting with the Toyota GR Corolla at $161 per month and ending with the Mazda 3 at $192 per month.

Cheapest Car Insurance in Bloomington, Minnesota
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,936$161
Nissan LeafCompact$1,950$163
Honda CivicCompact$1,972$164
Nissan SentraCompact$2,042$170
Subaru ImprezaCompact$2,048$171
Toyota PriusCompact$2,082$174
Kia K5Midsize$2,144$179
Honda AccordMidsize$2,152$179
Chevrolet MalibuMidsize$2,162$180
Toyota CorollaCompact$2,172$181
Kia ForteCompact$2,176$181
Volkswagen ArteonMidsize$2,188$182
Nissan VersaCompact$2,198$183
Subaru LegacyMidsize$2,198$183
Hyundai Ioniq 6Midsize$2,216$185
Mitsubishi Mirage G4Compact$2,250$188
Toyota CrownMidsize$2,254$188
Volkswagen JettaCompact$2,256$188
Hyundai SonataMidsize$2,260$188
Mazda 3Compact$2,304$192

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bloomington, MN Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Bloomington, MN, with the Toyota GR Corolla ranking first at $1,936 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Bloomington, MN, with the Toyota GR Corolla ranking first at $1,936 per year.

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

Need rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Bloomington car insurance quotes from the best companies in Minnesota.

Cheapest SUVs to insure in Bloomington, MN

The four cheapest SUVs to insure in Bloomington are the Subaru Crosstrek at $1,646 per year, Chevrolet Trailblazer at $1,674 per year, Kia Soul at $1,740 per year, and Nissan Kicks at $1,754 per year.

Not the cheapest in the list, but still ranking well, are models like the Buick Envision, Toyota Corolla Cross, Ford Bronco Sport, and Hyundai Venue, with an average cost of $1,826 per year or less.

Additional SUVs on the list include the Subaru Outback, Nissan Murano, Kia Niro, Buick Envista, and Honda HR-V, which average between $1,826 and $1,938 per year to insure in Bloomington.

As a cost per month, car insurance in Bloomington on this segment for a middle-age safe driver will start around $137 per month, depending on where you live.

When ranked by vehicle size, the lowest-cost non-luxury compact SUV to insure in Bloomington is the Subaru Crosstrek at $1,646 per year, or $137 per month. For midsize 2024 models, the Honda Passport is cheapest to insure at $1,774 per year, or $148 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,092 per year, or $174 per month.

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

Cheapest SUV Insurance in Bloomington, Minnesota
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,646$137
Chevrolet TrailblazerCompact$1,674$140
Kia SoulCompact$1,740$145
Nissan KicksCompact$1,754$146
Honda PassportMidsize$1,774$148
Buick EnvisionCompact$1,784$149
Toyota Corolla CrossCompact$1,796$150
Hyundai VenueCompact$1,810$151
Mazda CX-5Compact$1,816$151
Ford Bronco SportCompact$1,826$152
Volkswagen TiguanCompact$1,844$154
Nissan MuranoMidsize$1,872$156
Buick EncoreCompact$1,892$158
Honda CR-VCompact$1,898$158
Subaru OutbackMidsize$1,898$158
Buick EnvistaMidsize$1,902$159
Volkswagen TaosCompact$1,908$159
Kia NiroCompact$1,918$160
Honda HR-VCompact$1,938$162
Subaru AscentMidsize$1,938$162

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bloomington, MN Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Bloomington, MN, with the Subaru Crosstrek ranking first at $1,646 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Bloomington, MN, with the Subaru Crosstrek ranking first at $1,646 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see insurance cost for your SUV? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Bloomington car insurance quotes from the best car insurance companies in Minnesota.

Luxury cars with affordable auto insurance rates

The four top-ranked luxury car models with the cheapest auto insurance in Bloomington are the Acura Integra at $1,980 per year, BMW 330i at $2,268 per year, Mercedes-Benz CLA250 at $2,292 per year, and Lexus IS 300 at $2,298 per year.

Additional luxury cars that have cheaper rates are the Lexus ES 350, Mercedes-Benz AMG CLA35, Cadillac CT4, and Lexus RC 300, with an average cost to insure of $2,342 per year or less.

Car insurance in Bloomington for this segment will start around $165 per month, depending on where you live and the company you use.

When rates are compared by vehicle size, the most affordable compact luxury car to insure in Bloomington is the Acura Integra at $1,980 per year. For midsize luxury models, the Mercedes-Benz CLA250 is cheapest to insure at $2,292 per year. And for full-size luxury cars, the Audi A5 has the cheapest car insurance rates at $2,646 per year.

The table below ranks the twenty luxury cars with the most affordable average car insurance rates in Bloomington.

Cheapest Luxury Car Insurance in Bloomington, Minnesota
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,980$165
BMW 330iCompact$2,268$189
Mercedes-Benz CLA250Midsize$2,292$191
Lexus IS 300Midsize$2,298$192
Acura TLXCompact$2,304$192
Lexus ES 350Midsize$2,326$194
Cadillac CT4Compact$2,328$194
Genesis G70Compact$2,332$194
Mercedes-Benz AMG CLA35Midsize$2,336$195
Lexus RC 300Midsize$2,342$195
Lexus IS 350Compact$2,352$196
Jaguar XFMidsize$2,356$196
Cadillac CT5Midsize$2,400$200
Lexus ES 250Midsize$2,410$201
Lexus RC 350Compact$2,416$201
BMW 330eCompact$2,418$202
BMW 228iCompact$2,422$202
BMW 230iCompact$2,440$203
Lexus ES 300hMidsize$2,446$204
Audi S3Compact$2,500$208

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bloomington, MN Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Bloomington, MN, with the Acura Integra ranking first at $1,980 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Bloomington, MN, with the Acura Integra ranking first at $1,980 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see rates for your luxury car? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Bloomington car insurance quotes from top-rated car insurance companies in Minnesota.

Luxury SUVs with cheap auto insurance rates

Ranking at the top for the lowest-cost Bloomington auto insurance rates in the luxury SUV segment are the Jaguar E-Pace, Lexus NX 250, Acura RDX, Cadillac XT4, and Cadillac XT5. Insurance rates for these 2024 models average $2,102 or less per year, or around $175 per month.

Other models that rank well are the Lexus NX 450h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus NX 350h, with an average car insurance cost of $2,146 per year or less.

In the bottom half of the top 20, models like the Lexus NX 350, Cadillac XT6, Mercedes-Benz GLA35 AMG, Acura MDX, Land Rover Evoque, and Infiniti QX50 cost between $2,146 and $2,236 per year for auto insurance.

Full-coverage auto insurance in this segment starts at an average of $155 per month, depending on where you live and the company you use.

When vehicle size is factored in, the most budget-friendly compact luxury SUV to insure in Bloomington is the Acura RDX at $1,862 per year. For midsize luxury SUVs, the Jaguar E-Pace has the cheapest rates at $2,082 per year. And for large luxury SUV models, the Infiniti QX80 has the cheapest car insurance rates at $2,500 per year.

The rate comparison table below ranks the luxury SUVs with the cheapest average auto insurance rates in Bloomington, starting with the Acura RDX at $1,862 per year and ending with the Lexus RX 350 at $2,236 per year.

Cheapest Luxury SUV Insurance in Bloomington, Minnesota
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,862$155
Lexus NX 250Compact$1,970$164
Cadillac XT4Compact$2,010$168
Jaguar E-PaceMidsize$2,082$174
Cadillac XT5Midsize$2,102$175
Lexus NX 350hCompact$2,102$175
Lincoln CorsairCompact$2,128$177
Mercedes-Benz GLB 250Compact$2,132$178
Lexus UX 250hCompact$2,136$178
Lexus NX 450hCompact$2,146$179
Infiniti QX50Midsize$2,164$180
Mercedes-Benz GLA250Compact$2,172$181
Cadillac XT6Midsize$2,178$182
Mercedes-Benz GLA35 AMGCompact$2,180$182
Infiniti QX60Midsize$2,192$183
Mercedes-Benz AMG GLB35Midsize$2,194$183
Acura MDXMidsize$2,224$185
Land Rover EvoqueCompact$2,224$185
Lexus NX 350Compact$2,234$186
Lexus RX 350Midsize$2,236$186

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bloomington, MN Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Bloomington, MN, with the Acura RDX ranking first at $1,862 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Bloomington, MN, with the Acura RDX ranking first at $1,862 per year.

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

Don’t see your luxury SUV in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Bloomington car insurance quotes from the best companies in Minnesota.

Pickups with cheap auto insurance in Bloomington

The three highest ranking pickup trucks with the most affordable average auto insurance rates in Bloomington are the Chevrolet Colorado at $1,960 per year, the Nissan Titan at $2,084 per year, and the Nissan Frontier at $2,104 per year.

Also ranking well are models like the GMC Sierra 2500 HD, Hyundai Santa Cruz, Honda Ridgeline, and Toyota Tacoma, with an average car insurance cost of $2,292 per year or less.

Full-coverage auto insurance in this segment for the average driver starts at an average of $163 per month, depending on your company and location.

The table below ranks the twenty pickups with the lowest-cost insurance rates in Bloomington, starting with the Chevrolet Colorado at $163 per month and ending with the Ram Truck at $215 per month.

Cheapest Pickup Insurance in Bloomington, Minnesota
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,960$163
Nissan TitanFull-size$2,084$174
Nissan FrontierMidsize$2,104$175
Ford RangerMidsize$2,128$177
Ford MaverickMidsize$2,162$180
Honda RidgelineMidsize$2,208$184
Hyundai Santa CruzMidsize$2,246$187
Toyota TacomaMidsize$2,258$188
GMC Sierra 2500 HDHeavy Duty$2,268$189
GMC CanyonMidsize$2,292$191
Jeep GladiatorMidsize$2,348$196
GMC Sierra 3500Heavy Duty$2,360$197
Chevrolet Silverado HD 3500Heavy Duty$2,382$199
Chevrolet Silverado HD 2500Heavy Duty$2,446$204
GMC SierraFull-size$2,458$205
Nissan Titan XDHeavy Duty$2,462$205
Chevrolet SilveradoFull-size$2,466$206
Ford F150Full-size$2,492$208
GMC Hummer EV PickupFull-size$2,556$213
Ram TruckFull-size$2,576$215

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bloomington, MN Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Bloomington, MN, with the Chevrolet Colorado ranking first at $1,960 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Bloomington, MN, with the Chevrolet Colorado ranking first at $1,960 per year.

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 rates for your pickup? No problem! 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 car insurance companies in Minnesota.

Sports cars with cheap auto insurance

Ranking at the top of the list for the most affordable Bloomington car insurance rates in the sports car and performance segment are the Toyota GR86, Mazda MX-5 Miata, Subaru WRX, Ford Mustang, and BMW Z4. Rates for these vehicles average $208 or less per month.

Additional sports cars that have affordable insurance rates are the BMW M2, Lexus RC F, Toyota GR Supra, and Nissan Z, with average rates of $2,666 per year or less.

From a monthly standpoint, car insurance rates on this segment in Bloomington starts at an average of $172 per month, depending on the company and your location. The rate comparison table below ranks the twenty sports cars with the most affordable average auto insurance rates in Bloomington, starting with the Mazda MX-5 Miata at $2,062 per year ($172 per month) and ending with the Porsche Taycan at $3,772 per year ($314 per month).

Cheapest Sports Car Insurance in Bloomington, Minnesota
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,062$172
Toyota GR86Sports Car$2,348$196
Ford MustangSports Car$2,448$204
BMW Z4Sports Car$2,460$205
Subaru WRXSports Car$2,498$208
Toyota GR SupraSports Car$2,502$209
BMW M2Sports Car$2,576$215
Nissan ZSports Car$2,580$215
Lexus RC FSports Car$2,634$220
Subaru BRZSports Car$2,666$222
BMW M3Sports Car$2,814$235
Porsche 718Sports Car$2,870$239
Chevrolet CamaroSports Car$2,896$241
Chevrolet CorvetteSports Car$3,086$257
Porsche 911Sports Car$3,192$266
BMW M4Sports Car$3,326$277
Lexus LC 500Sports Car$3,340$278
Jaguar F-TypeSports Car$3,514$293
Mercedes-Benz AMG GT53Sports Car$3,688$307
Porsche TaycanSports Car$3,772$314

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bloomington, MN Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Bloomington, MN, with the Mazda MX-5 Miata ranking first at $2,062 per year.
Ranking of the cheapest sports cars to insure in Bloomington, MN, with the Mazda MX-5 Miata ranking first at $2,062 per year.

Don’t see rates for your sports car? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Minnesota.

Auto insurance cost examples

In order to reinforce the extent to which car insurance cost can vary from one driver to the next (and also stress the importance of getting rate quotes from multiple companies), the charts below have detailed rates for four popular models in Bloomington: the Ford F150, Honda CR-V, Toyota Highlander, and Honda Accord.

Each vehicle example shows average rates for different driver profiles to demonstrate the price fluctuation with only minor changes in the driver profile.

Ford F150 insurance rates

Insurance for a Ford F150 in Bloomington costs an average of $2,492 per year, or about $208 per month, and varies from $2,066 to $5,756.

Average 2024 Ford F150 insurance premiums in Bloomington for different driver ages and risk scenarios.
Figure 3: Average 2024 Ford F150 insurance premiums in Bloomington for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Bloomington includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Bloomington, MN
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,756$480
Safe Driver Age 20$5,040$420
At-fault Accidents Age 40$3,538$295
Low Deductibles Age 40$3,266$272
Safe Driver Age 30$2,662$222
Safe Driver Age 40$2,492$208
Safe Driver Age 50$2,206$184
High Deductibles Age 40$2,096$175
Discount Rate Age 40$2,066$172
Safe Driver Age 60$2,064$172

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 26, 2025

The Ford F150 is a full-size truck, and other similar models from the same segment include the Nissan Titan, Chevrolet Silverado, and Toyota Tundra.

Honda CR-V insurance rates

Auto insurance for a Honda CR-V in Bloomington averages $1,898 per year ($158 per month) and varies from $1,580 to $4,366 per year.

Average 2024 Honda CR-V insurance premiums in Bloomington for different driver ages and risk scenarios.
Figure 4: Average 2024 Honda CR-V insurance premiums in Bloomington for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Bloomington includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in Bloomington, MN
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,366$364
Safe Driver Age 20$3,818$318
At-fault Accidents Age 40$2,688$224
Low Deductibles Age 40$2,476$206
Safe Driver Age 30$2,024$169
Safe Driver Age 40$1,898$158
Safe Driver Age 50$1,686$141
High Deductibles Age 40$1,602$134
Safe Driver Age 60$1,580$132
Discount Rate Age 40$1,580$132

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 27, 2025

The Honda CR-V is classified as a compact SUV, and other popular same-segment models include the Subaru Forester, Toyota RAV4, Ford Escape, and Nissan Rogue.

Toyota Highlander insurance rates

Car insurance for a Toyota Highlander in Bloomington averages $2,028 per year ($169 per month) and ranges from $1,686 to $4,632 per year.

Average 2024 Toyota Highlander insurance premiums in Bloomington for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota Highlander insurance premiums in Bloomington for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Highlander with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Highlander car insurance cost in Bloomington includes all Zip Codes and vehicle trim levels.

2024 Toyota Highlander Insurance Cost in Bloomington, MN
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,632$386
Safe Driver Age 20$4,060$338
At-fault Accidents Age 40$2,844$237
Low Deductibles Age 40$2,696$225
Safe Driver Age 30$2,168$181
Safe Driver Age 40$2,028$169
Safe Driver Age 50$1,790$149
Discount Rate Age 40$1,686$141
High Deductibles Age 40$1,684$140
Safe Driver Age 60$1,676$140

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Highlander trim levels. Updated June 27, 2025

The Toyota Highlander is a midsize SUV, and other popular models in the same segment include the Kia Telluride, Ford Edge, and Jeep Grand Cherokee.

Honda Accord insurance rates

Honda Accord insurance in Bloomington costs an average of $2,152 per year, or about $179 per month, and has a range of $1,788 to $4,946 per year.

Average 2024 Honda Accord insurance premiums in Bloomington for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda Accord insurance premiums in Bloomington for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Bloomington includes all Zip Codes and vehicle trim levels.

2024 Honda Accord Insurance Cost in Bloomington, MN
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,946$412
Safe Driver Age 20$4,332$361
At-fault Accidents Age 40$3,042$254
Low Deductibles Age 40$2,834$236
Safe Driver Age 30$2,298$192
Safe Driver Age 40$2,152$179
Safe Driver Age 50$1,906$159
High Deductibles Age 40$1,800$150
Discount Rate Age 40$1,788$149
Safe Driver Age 60$1,784$149

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 27, 2025

The Honda Accord is classified as a midsize car, and additional similar models include the Kia K5, Hyundai Sonata, Chevrolet Malibu, and Toyota Camry.

How to find cheaper car insurance

Smart drivers are always looking to reduce the monthly expense for insurance, so take a minute to read through the tips and ideas below and it’s very likely you can save a little dough on your next car insurance policy.

  • Remove optional coverage on older vehicles. Dropping comprehensive and collision coverage from vehicles whose low value makes coverage cost prohibitive can reduce the cost of auto insurance substantially.
  • Shop your coverage around. Taking 5-10 minutes before every policy renewal to get some free car insurance quotes could significantly reduce the cost of insurance. Rates change quite often and you can switch your coverage anytime.
  • Compare car insurance rates before buying a car. Different vehicle models have significantly different auto insurance rates, and car insurance companies can sell coverages with a wide range of prices. Get plenty of comparison quotes before you purchase in order to prevent insurance sticker shock when you see your first insurance bill.
  • The higher the deductibles, the lower the cost. Raising your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Avoid filing small claims. Auto insurance companies offer discounts if you have no claims. Car insurance should be used to protect you from large financial hits, not for small claims.
  • Fewer accidents means cheaper car insurance in Bloomington. Too frequent at-fault accidents can raise rates, to the tune of $1,072 per year for a 30-year-old driver and even as much as $544 per year for a 60-year-old driver. So drive safe and save!
  • A good driving record pays dividends. To get affordable car insurance in Bloomington, it’s necessary to to be a conservative driver. A few driving offenses can increase car insurance rates by up to $592 per year. Major misdemeanors like driving under the influence of drugs or alcohol could raise rates by an additional $2,068 or more.