Bloomington, IN Car Insurance

(Find the right car insurance policy for you.)

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to


Most drives in Bloomington, IN are nearly therapeutic when you're driving down Old Highway 37 in the fall with the windows rolled down or cruising around campus when Indiana University students are on summer break. But gameday traffic, spring festivals and commuters can cause roadways to get congested and drivers to become tense. It's certainly still possible in such a serene community to experience accidents, thefts and car damage.

To combat the hazards you face, you need to purchase Bloomington car insurance from an Independent Insurance Agent. Our local agents aren't tied down to one carrier and can easily compare quotes from numerous carriers to find a policy that meets your needs and budget. Contact a Bloomington agent today to start navigating the auto insurance terrain.

  • National average cost per year: $1,311
  • Indiana average cost per year: $1,033
  • Amount in losses: $5,524,122
  • 41st most expensive state for auto premiums in the U.S.

Our agents will take a look at a number of unique factors. Your car's model, age, and average mileage, and your individual claims history are all taken into account to find personalized Bloomington auto insurance. Let average premium rates be a baseline as you figure out which policy is best for you.

Indiana Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Minimum liability limits: 25/50/10

The Hoosier State requires minimum coverage of up to $50,000 for all persons injured in an accident, $25,000 for an individual and $10,000 for property damage. This is a great baseline of coverage if you find yourself in a fender bender. But something bigger like a hit-and-run could surpass these limits and force you to pay out of pocket. Talk to an agent about how higher limits can give you greater protection and peace of mind when you're on the road.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in Indiana

  • National number of uninsured motorists: 12.6%
  • Indiana number of uninsured motorists: 14.2%

Auto insurance is required for Indiana drivers, but that doesn't mean all of them pay attention to the rules. There are many uninsured and underinsured motorists on the road, and if they cause an accident, collecting compensation can be extremely difficult. With the proper policy and with an agent on your side, you'll be able to stay financially stable if something happens.

Number of Auto Thefts in Indiana

  • National number of thefts per 1,000 vehicles: 2.94
  • Indiana number of thefts per 1,000 vehicles: 2.36

You already know some ways to help prevent break-ins: Park under street lamps and hide valuables in the trunk. But the only surefire way to have complete protection is with a comprehensive and all-encompassing Bloomington auto insurance policy. Typically, the same coverage that takes care of auto thefts can cover "other than collisions" incidents, such as fallen trees and vandalism. Let an agent explain the details and ensure your policy covers you for the unexpected.

Find the Best Bloomington Car Insurance Policy

Local Independent Insurance Agents in the Bloomington area know what risks you face as an Indiana driver. Our agents are extremely experienced at assessing your risks and finding a policy that works within your budget so you can receive 360 degrees of coverage. Know you have a partner-in-crime so you can get back to driving with the windows rolled down and music blaring.

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