Bloomington Auto Insurance Rates, Quotes, Agents & Reviews in IL

Bloomington, IL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bloomington, IL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Bloomington, IL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Bloomington, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Bloomington, IL with that of other cities in and around Bloomington.

Bloomington Towanda McLean County Normal Dale Dry Grove
Average Insurance Rates $949 $1,375 $1,248 $1,073 $1,293 $1,281

Bloomington, IL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Bloomington, IL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Bloomington $1,478 $1,248
Normal $1,338 $1,130
Old Town $1,884 $1,591
McLean County $1,430 $1,208
Towanda $1,045 $883
Twin Grove $1,190 $1,005
Dale $1,105 $934
Dry Grove $967 $817

Bloomington, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Bloomington, IL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,079
20 Years $1,219
30 Years $939
40 Years $904
50 Years $837
60 Years $848
70 Years $988

Bloomington, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Bloomington, IL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,613 $285
3 Vehicles $2,420 $427
4 Vehicles $3,227 $569

Savings on 2 Vehicles bundle:$285

Savings on 3 Vehicles bundle:$427

Savings on 4 Vehicles bundle:$569


Bloomington, IL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bloomington, IL.

Location Average Insurance Cost Post DUI Insurance Rate
Bloomington $949 $1,541
Normal $1,073 $1,742
Old Town $1,330 $2,159
McLean County $1,248 $2,026
Towanda $1,375 $2,232
Twin Grove $1,311 $2,128
Dale $1,293 $2,099
Dry Grove $1,281 $2,080

Bloomington, IL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $814
Excellent (740-799) $929
Good (670-739) $989
Average (580-669) $1,290
Poor (300-579) $1,548

Bloomington, IL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Jim Spachman State Farm 2501 E College Avenue, Bloomington, 61704-2484 309-661-1700
Vercruysse Insurance Agency, Llc None 1713 Fort Jesse Rd Ste C Normal, Bloomington, 61761 None
Tom Brokaw State Farm 405 N Hershey Rd Ste 5, Bloomington, 61704-7925 309-662-1822
Catherine J Lowry Clu, Chfc State Farm 112 Landmark Dr, Normal, 61761-2197 309-454-4000
Mike Wieland State Farm 2102 E Washington St, Bloomington, 61701-4321 309-664-6453
Ron Ruby State Farm 202 S Eldorado Rd Ste A2, Bloomington, 61704-1614 309-663-5111
Streator Insurance Center Erie 511 E Main Street, Streator, 61364 None
Nixon Insurance Agency Inc Travelers 4701 N University Suite B, Peoria, 61614 None

Bloomington, IL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$42 $991
Driver's Failure In Showing Documents +$92 $1,041
Driving With An Expired Registration +$98 $1,047
Driving At A Considerably Slow Pace +$206 $1,155
Using A Cellphone While Driving +$217 $1,166
Running A Red Light +$221 $1,170
Speeding +$233 $1,182
Driving A Vehicle Without The Required Permission +$295 $1,244
Driving With An Expired/Suspended License +$640 $1,589

Bloomington, IL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $911
Active Disabling Device $911
Tracking Device $892
Passive Disabling Device $883

Latest Auto Insurance Reviews in Bloomington, IL | Back to Top

Safeco Insurance
I would definitely recommend Safeco's auto insurance to anyone. They have fast, friendly customer service and I did all correspondence in signing the documents, setting up auto draft for premiums.
Safety Insurance
I would recommend this company for car insurance when taking into consideration the rate and the customer service
State Farm
My insurance company offers a special rate for people with a good driving record and good credit, which gives me a very good discount when I bundle it with renters insurance. It gives me such a large discount that my renters insurance is basically free. On a scale of 1-5, I would give them a one.
Progressive
What I like about the interactions with customer support at progressive, is they are always friendly, they give me useful advice and when I got a speeding ticket they didnt raise my premium
Amica Mutual Insurance
this company in relation to others offers me a broad policy which has a great coverage in the service I am paying
Alfa Insurance
The only thing I didn't like about the interaction with my car insurance customer support was that their office is messy. I believe they hadn't been in their new location very long, but the office was messy - drink cups all over the desk, etc and the room wasn't decorated at all.
State Farm
I dislike that State Farm automatically increases my rates or premiums every six months with no specific reason at all. I feel that I am being penalized for being a loyal, long time customer. If I were to switch insurance companies every few years, I would probably wind up saving more money.
Aaa
This company doesn't go to bat for their customers. They basically just hope you will pay for everything and will go away.