Compare Bloomington, MN Car Insurance Rates (2021)

Car insurance in Bloomington, MN averages $399 a month. Bloomington, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Bloomington car insurance rates, compare quotes from the top car insurance companies in Bloomington, MN.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Bloomington for teen drivers is State Farm
  • Average car insurance rates in Bloomington, MN after a DUI are $6,577/year
  • The cheapest ZIP code in Bloomington is 55438

If you need to buy Bloomington, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Bloomington, MN is right here.

You’ll find Bloomington car insurance rates, the cheapest Bloomington, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Bloomington, Minnesota car insurance rates to Woodbury car insurance rates, Rochester car insurance rates, and Plymouth car insurance rates.

Ready to find affordable Bloomington, MN car insurance today? Enter your ZIP code for fast, free Bloomington car insurance quotes.

Cheapest Bloomington, MN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bloomington, MN car insurance rates? Every Bloomington, Minnesota car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bloomington, Minnesota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,366 $3,366 $3,254 $3,254 $7,714 $11,086 $4,107 $4,286
American Family $2,323 $2,323 $2,115 $2,115 $6,474 $9,222 $2,323 $2,595
Farmers $2,327 $2,328 $2,231 $2,376 $6,976 $7,112 $3,076 $3,057
GEICO $2,582 $2,555 $2,454 $2,385 $5,752 $7,250 $2,413 $2,540
Liberty Mutual $10,135 $10,135 $10,041 $10,041 $19,454 $28,941 $10,135 $13,912
Nationwide $2,120 $2,108 $1,894 $1,996 $5,616 $6,743 $2,514 $2,591
State Farm $1,727 $1,727 $1,568 $1,568 $3,991 $4,883 $2,000 $1,641
USAA $1,774 $1,735 $1,633 $1,606 $4,862 $5,251 $2,294 $2,403

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Minimum Car Insurance in Bloomington, MN

Every driver must carry the minimum car insurance in Bloomington, MN. Take a look at the Minnesota car insurance requirements.

Minimum Required Car Insurance Coverage in Bloomington, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Bloomington, MN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bloomington, MN. Compare credit history car insurance rates in Bloomington from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bloomington, Minnesota

Insurance Company Poor Fair Good
Allstate $7,391 $4,028 $3,744
American Family $5,111 $3,313 $2,635
Farmers $4,557 $3,358 $3,142
GEICO $4,188 $3,431 $2,855
Liberty Mutual $19,642 $12,714 $9,942
Nationwide $3,807 $3,072 $2,714
State Farm $3,483 $2,129 $1,553
USAA $4,163 $2,086 $1,835

Cheapest Bloomington, MN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bloomington, MN to rates for a clean record with top companies.

Annual Bloomington, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,610 $5,336 $6,468 $4,803
American Family $2,486 $4,436 $5,009 $2,815
Farmers $3,158 $3,965 $4,025 $3,593
GEICO $2,341 $3,688 $5,427 $2,509
Liberty Mutual $10,008 $14,003 $21,600 $10,786
Nationwide $2,552 $3,367 $3,859 $3,013
State Farm $2,171 $2,605 $2,388 $2,388
USAA $1,998 $2,562 $3,843 $2,375

Cheapest Bloomington, MN Car Insurance for Teen Drivers

Teen car insurance in Bloomington, MN can be expensive. Take a look at rates from the top car insurance companies in Bloomington for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bloomington, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,714 $11,086
American Family $6,474 $9,222
Farmers $6,976 $7,112
GEICO $5,752 $7,250
Liberty Mutual $19,454 $28,941
Nationwide $5,616 $6,743
State Farm $3,991 $4,883
USAA $4,862 $5,251

Cheapest Bloomington, MN Car Insurance for Seniors

Take a look at Bloomington, MN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bloomington, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,254 $3,254
American Family $2,115 $2,115
Farmers $2,231 $2,376
GEICO $2,454 $2,385
Liberty Mutual $10,041 $10,041
Nationwide $1,894 $1,996
State Farm $1,568 $1,568
USAA $1,633 $1,606

Cheapest Bloomington, MN Car Insurance Rates After a DUI

A DUI in Bloomington, MN increases car insurance rates. Compare Bloomington, Minnesota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bloomington, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,468
American Family $5,009
Farmers $4,025
GEICO $5,427
Liberty Mutual $21,600
Nationwide $3,859
State Farm $2,388
USAA $3,843

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Cheapest Bloomington, MN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bloomington, MN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bloomington, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,054 $5,054
American Family $3,644 $3,729
Farmers $3,685 $3,685
GEICO $3,442 $3,540
Liberty Mutual $13,701 $14,498
Nationwide $3,198 $3,198
State Farm $2,320 $2,456
USAA $2,660 $2,729

Cheapest Bloomington, MN Car Insurance Rates by ZIP Code

Bloomington car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Bloomington, MN.

Annual Car Insurance Rates by ZIP Code in Bloomington, Minnesota

ZIP Code Average Annual Rates
55420 $3,801
55425 $3,800
55431 $3,686
55437 $3,539
55438 $3,510

The Best Cheap Car Insurance Companies in Bloomington, MN

Take a look at a side-by-side comparison of the top car insurance companies in Bloomington, MN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bloomington, Minnesota

Insurance Company Average Annual Rates
Allstate $5,054
American Family $3,686
Farmers $3,685
GEICO $3,491
Liberty Mutual $14,099
Nationwide $3,198
State Farm $2,388
USAA $2,695

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Category Winners: Cheapest Car Insurance in Bloomington, Minnesota

Find the cheapest car insurance companies in Bloomington, MN for each category right here.

Best Annual Car Insurance Rates by Company in Bloomington, Minnesota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Bloomington, MN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bloomington car insurance rates. Find the cheapest Bloomington, MN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bloomington, Minnesota

Insurance Company Low Medium High
Allstate $4,978 $5,052 $5,133
American Family $3,661 $3,784 $3,614
Farmers $3,545 $3,703 $3,808
GEICO $3,363 $3,493 $3,618
Liberty Mutual $13,685 $14,115 $14,498
Nationwide $2,995 $3,226 $3,372
State Farm $2,274 $2,400 $2,491
USAA $2,604 $2,693 $2,787

What affects car insurance rates in Bloomington, Minnesota?

What factors can have an impact on Bloomington, MN car insurance? There are several reasons why Bloomington car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bloomington, Minnesota.

Commute Time in Bloomington

The more time you spend in your car the higher the risk of an accident. The average commute length in Bloomington, MN is 21.9 minutes according to City-Data.

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Compare Car Insurance Quotes in Bloomington, MN

Ready to find affordable Bloomington, Minnesota car insurance today? Enter your ZIP code for fast, free Bloomington, MN car insurance quotes.

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