Cheap Car Insurance in Bloomington, IN

Located in southern Indiana, Bloomington is a thriving metropolis that offers a little bit of everything. Affectionately known as “B-Town,” it is the home of Indiana University and its strong Hoosier tradition. It is also well known for its cuisine, home to 4th Street’s Restaurant Row with some of the finest international eateries in the region.

The country’s most prominent college bike race is in Bloomington at Indiana University, but bicyclists are not required to have insurance. However, car insurance in Indiana is required.

Keep reading to learn more about Indiana’s average premiums paid by age group, the minimum insurance requirements, and the types of discounts you can expect with a clean driving record.

The average monthly premium paid by Bloomington drivers is $80 for full coverage, slightly below the state average of $90 and well below the national average of $140. The state-required minimum liability averages $36 per month, slightly higher than the state minimum at $30.50 and much lower than the national average of $47 per month.

Why is Insurance Cheaper in Indiana?

It’s a fair question since there are a fair number of college students in Indiana attending big universities such as Purdue, Indiana and Notre Dame. Typically, many college-age drivers would skew the insurance towards the higher end.

Insurers base their premiums on the possibility or likelihood of claims. Since Indiana has a low incidence of natural disasters, low population density and a lower-than-normal car theft rate, its citizens benefit from lower overall rates.

Indiana’s minimum liability requirements are also low, which generally equates to lower rates overall.

How Many FataI Accidents Happen in Bloomington?

In 2019, there were three fatal road traffic accidents in Bloomington involving four people, including two pedestrians.

How Are the Road Infrastructure and Bridges in Bloomington, Indiana?

Bloomington’s Department of Public Works works tirelessly to manage infrastructure and traffic flow improvements throughout the region. Its Street Division is responsible for maintaining more than 230 miles of city streets, specializing in sidewalk repairs, traffic signal maintenance, installing street signs, pavement construction, and more.

One of Bloomington’s biggest initiatives is its Sidewalk Repair Assistance Program, which funds private homeowners to repair adjacent sidewalks to their property.

Here are the minimum liability requirements all Bloomington drivers must carry:

Driving without insurance in Bloomington is not a good idea.

First-time offenders will have their driver’s license and registration suspended for a minimum of 90 days until proof of insurance is provided. On top of that, you will have to pay a $250 reinstatement fee and file an SR-22 certificate for 180 days.

Second offenses bump the suspension period to one year plus a $500 reinstatement fee and an SR-22 certificate for three years. Third and subsequent offenses bump the reinstatement fee to $1,000, along with a one-year suspension and a 5-year SR-22 filing.

Whether it’s your first time or multiple times, you can expect your premiums to rise significantly. It may even double or triple in some cases, depending on the severity of the offense.

Remember, all Indiana drivers must carry minimum liability limits of 25/50/25.

Everyone in Bloomington pays different premiums thanks to several factors, including driving history, age, and demographic profile.

Some of these factors include:

With the minimum amount of $25,000 property damage liability, your insurance company should kick in up to that amount. However, if the repairs cost more than that, you could end up paying out of pocket or being sued and having your assets seized.

Personal Property

Personal property includes anything owned by somebody. So plowing through someone’s fence or backing into their mailbox counts. Keep in mind that if you don’t stop to self-report taking down a fence, you could also face charges of leaving the scene of an accident. If the fence is keeping livestock restrained and you don’t stop, another driver could be killed if they hit a cow in the dark.

Public Property

Items that belong to a government, such as public mailboxes, guardrails and stop signs will need to be paid for with your property damage insurance. As with personal property, any amount left over will be paid from your pocket. Here are some examples of the cost to repair public property.