Bloomington, MN, Car Insurance

See what factors to consider when shopping for Bloomington, MN, car insurance.
Compare, shop and customize quotes from top-rated insurance carriers.

How To Choose Car Insurance for Bloomington

If you commute every day to work or college, you're not alone. The majority of Bloomington's 90,000 residents love driving. About 50% of local households own two cars, and another 20% have three vehicles. Fewer than 3% of families don't own a vehicle.

Whether you work in Bloomington or commute to another part of the Twin Cities, auto insurance is essential. It's what protects you financially and physically when you're shopping at the Mall of America or taking your kids to the Minnesota Zoo. What factors should you consider when looking for Bloomington, MN, car insurance?

How Often Do You Drive and How Far?

Not surprisingly, the longer you spend behind the wheel, the greater your risks are of getting into an accident. If you work or study right in Bloomington, your commute is probably close to the average: about 20 minutes. Other residents have considerably longer commutes. Over 15% of workers have to travel 30 to 45 minutes or more each way.

Public transportation is available in Bloomington, but being realistic, it's probably not your first choice for traveling. Fewer than 5% of families use metro transit regularly. A whopping 75% use a personal vehicle to commute, which means car insurance.

Where Do You Travel?

There are many high-speed roads in Bloomington, including:

  • I-35 W
  • I-494
  • Hwy 169
  • Hwy 77

Car accidents can happen on regular city streets, too, but crashes on the highway tend to be more dangerous. High-speed impacts can lead to serious injuries and major vehicle damage.

What To Know About Bloomington Car Accident Statistics

You can use VIU by HUB to quickly compare Bloomington, MN, car insurance. This helpful tool shows you countless different insurers, policy limits, coverage types and add-on options.

To make a smart decision, you need solid information about local highway risks, such as:

  • Highway 169 is one of the most dangerous highways in Minnesota.
  • There were almost 19,000 crashes around Bloomington in 2022.
  • This equals about 360 car accidents a week or 50 a day.
  • Over 400 serious injuries were caused by accidents involving speeding drivers.

Basic car insurance helps you keep your finances safe, but it doesn't help with your injuries or car repairs. For a well-rounded plan, you need to add collision insurance (vehicle repairs/replacement) and personal injury coverage (medical costs after an accident).

Why You Need Bloomington, MN, Car Insurance

Why do so many accidents happen in Bloomington? Heavy traffic is one factor, but it's not the only one. Other causes of accidents include:

  • Icy roads: Temperatures fall below freezing about 150 days a year, making ice a regular occurrence.
  • Blizzards: Bloomington gets about 52 inches of snow on average, meaning poor visibility, intense winds and heavy storms.
  • Rain: The Twin Cities don't get a ton of rain, but when thunderstorms occur, they're intense and dangerous for highway driving.
  • Alcohol: From 2018 to 2022, the area around Bloomington had 25,000 DWIs, or over 6,000 alcohol-related car accidents a year.

A final risk to be aware of is theft. The numbers are rising, from 100 cases per 100,000 people in 2010 to almost 200 cases 10 years later.

How Much You Can Expect To Pay

The average cost of Bloomington, MN car insurance is about $150 a month or $1,800 a year for full coverage. You can potentially save money by shopping around. VIU by HUB makes the process of comparing coverage easier. You can customize your insurance so it caters more to the risks you face every day.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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