Car insurance rates in Bloomington, Illinois October 2025

The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.

- Mercury provides the cheapest liability coverage at $22 per month in Bloomington.
- Mercury offers the cheapest rates for full coverage insurance in Bloomington at $66 per month.

Read on to learn more about car insurance price trends in Bloomington. More car insurance rate data is available in the original article at Way.com.

Cheapest liability insurance in Bloomington

For drivers looking to meet Bloomington minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.

Cheapest liability insurance in Bloomington
#1. Mercury: $22
#2. Westfield: $24
#3. Hanover: $26
#4. Auto-Owners Insurance Co: $28
#5. Country Financial: $30

Cheap full coverage in Bloomington

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.

Cheapest full coverage insurance in Bloomington
#1. Auto-Owners Insurance Co: $66
#2. Westfield: $75
#3. Country Financial: $78
#4. Travelers: $86
#5. American Family: $108

Impact of traffic violations on Bloomington auto insurance rates

In Bloomington, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Bloomington may differ from the national average due to regional risks and rules.

Here's a breakdown of average auto insurance rates in Bloomington after common driving violations.

- No violation: $145
- Not-at-fault accident: $154
- Failure to wear a seat belt: $169
- Speeding 6 - 10 MPH over limit: $178
- Speeding 21 - 25 MPH over limit: $194
- DUI: $267
- Reckless driving: $256
- Driving with a suspended license: $264
- Leaving scene of an accident/hit and run: $269