Cheapest Auto Insurance in Bloomington, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 13
- 2 min read
Looking for affordable auto insurance in Bloomington? You’re in the right place. Here’s how to find the lowest rates while keeping strong coverage and why Wexford Insurance is your best partner for a tailored quote.
How Much Are the Lowest Rates?
GEICO offers the cheapest full-coverage in Bloomington, about $886 per year (~$74/month).
Overall full-coverage averages $1,485/year ($124/month) with 100/300/100 limits and $500 deductibles.
Minimum liability-only coverage averages $431/year in Bloomington under Indiana’s 25/50/25 law.
How to Secure the Best Rates
Compare quotes from top insurers like GEICO, Progressive, Clearcover, and Auto‑Owners, rates vary significantly based on profile.
Opt for higher deductibles such as $500 or $1,000 to reduce monthly premiums.
Bundle policies: Pair auto with home/renters insurance for discounts.
Explore low-mileage or usage-based plans to capitalize on lower risk driving habits.
Ask about all available discounts—including safe-driver, good-student, loyalty, and advanced vehicle safety feature discounts.
Which Carriers Might Offer the Lowest Rates?
GEICO leads with an average of $886/year.
Clearcover offers averages near $41/month (~$492/year) for full coverage on certain profiles.
SafeAuto, USAA, and Auto‑Owners follow closely, with monthly rates between $66–$89 in some cases.
Minimum vs. Full-Coverage Costs
Coverage Type | Avg Annual Cost | Avg Monthly Cost |
Minimum Liability | $431 | $36 |
Full Coverage | $1,485 | $124 |
Choosing full coverage protects your vehicle and finances but costs more; liability-only might be fine for older cars.
Tips for Smart Savings
Tailor your coverage to your vehicle’s age and value: skip collision/comprehensive if your car’s older and inexpensive.
Reassess policies annually, better discounts and updated risk profiles may lower rates over time.
Maintain clean driving and credit records, both drive premiums lower in Indiana.
Why Choose Wexford Insurance?
At Wexford Insurance, we shop top-rated carriers and personalise coverage to meet your needs. Whether you're budget-conscious or seeking full protection, we help you get the best rate in Bloomington.
Ready to get the best quote?
Final Takeaways
Bloomington drivers can find car insurance for as low as $886/year (GEICO), with average full-coverage at $1,485/year. Liability-only options start around $431/year, making Bloomington’s rates competitive. Always compare quotes and discounts to find your lowest possible premium.
