Bloomington Car Insurance

Everything You Need to Know About Car Insurance in Bloomington, IL

Bloomington is the 12th most populated city in the state of Illinois. This city is brimming with historical sites, such as Ewing Manor and the Evergreen Memorial Cemetery. Bloomington, IL also features the Eastland Mall with many shopping centers and restaurants. Three major interstates intersect in Bloomington, making it a transportation hub. Residents should expect heavy traffic and congested highways year-round. Make sure you have reliable Bloomington car insurance before you brave these busy roads. Let our friendly Trusted Choice® Independent Insurance Agents help you find the right insurance that not only fits your budget but also offers you maximum coverage for any roadway threats you may face.

  • National average cost per year: $1,311
  • Illinois average cost per year: $1,079
  • #39 most expensive auto premium in U.S.

One advantage of living in Bloomington is that the car insurance rates trend well below the national average. Keep in mind that finding affordable car insurance can still be a challenge for drivers. Several factors help determine your individual rate, such as your car's make and model, your driving record, and your age. Our agents are knowledgeable and can help you find coverage that will protect against common issues like liability and theft and keep the policy budget friendly.

Illinois Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist coverage: required
  • Minimum liability limits: 25/50/20

It is illegal to operate a vehicle in the state of Illinois without car insurance. Minimum coverage limits are $25,000 for individual injuries, $50,000 for total injuries in an accident and $20,000 for any resulting property damage. Keep in mind you always have the option to purchase more insurance. These minimums are in place to ensure that everyone is covered for the most basic fender bender. However, if the damage from a car accident exceeds your minimum insurance limits, then you are responsible for the difference out of pocket. Let our agents help you avoid this situation by guiding you toward minimums that fit your needs.

Number of Uninsured Motorists in Illinois

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Illinois drivers: 13.3%

Illinois has a larger number of uninsured drivers when compared with the national average, and this can be a big problem for drivers in Bloomington. Trusted Choice agents can help you add uninsured motorist coverage to your Bloomington auto insurance plan, giving you maximum coverage in case you get into an accident with an uninsured driver at fault.

Number of Auto Thefts in Illinois

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Illinois: 2.63

Car theft is a serious problem in the state of Illinois and is definitely a cause for concern for Bloomington drivers. Always keep doors and windows locked and park in well-lit areas. However, if you do become a victim of car theft, you will be glad you have an insurance policy that covers it. Losing your car can bring life to a standstill. Choose a Bloomington auto insurance policy that includes coverage for car theft so that you’ll have peace of mind that you’re always covered even if your car does get stolen.

Find a Great Bloomington Car Insurance Policy

With all the threats that you face when driving a car in Bloomington, you need to make sure you have great car insurance. When searching for car insurance, let our Trusted Choice agents help you navigate the process. They will make sure you get all the protection you need against any threat that you may face. Our agents will keep your budget needs in mind while ensuring you have the right minimum coverage to protect you from any situation you might face. Let us help you find the best Bloomington car insurance by giving us a call today. 

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