Car Insurance in Bloomington, Minnesota
Estimated full coverage in Bloomington runs about $1,430 a year ($119/month) — ▲ +7% versus the Minnesota average, ranking 6th most expensive of the 8 Minnesota cities we cover.
Why car insurance in Bloomington costs more than the Minnesota average
Insurers price by territory, and Bloomington's numbers explain most of the gap. With 88,344 residents on 34.7 square miles, the city's density (2,546 people per square mile) is 4.1 times the density where the typical Minnesota resident lives (617). The average commute is 21.0 minutes (Minnesota: 22.7), and 63% of workers drive alone. Together these put our location factor at 1.06× the state baseline for liability and collision, and 1.08× for comprehensive once FEMA weather risk for Hennepin County is included.
| Factor | Bloomington | Minnesota ref. | Why it matters |
|---|---|---|---|
| Population density | 2,546 / sq mi | 617 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 21.0 min | 22.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.7% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 63.0% | — | Share of workers commuting by car. |
| Public transit to work | 4.2% | — | Transit use lowers how much residents drive. |
| Work from home | 22.3% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 6.7% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 99.0 | 92.6 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Bloomington
Rates can change from one ZIP code to the next. Across 5 Bloomington ZIP codes, our full-coverage estimate ranges from $1,395 in 55438 to $1,465 in 55420. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 55420 | 24,451 | 3,672 | 21.8 min | 10.0% | $1,465 | +2% |
| 55437 | 18,881 | 2,805 | 21.1 min | 3.3% | $1,435 | 0% |
| 55431 | 18,664 | 2,385 | 19.0 min | 7.1% | $1,400 | −2% |
| 55438 | 15,701 | 1,893 | 20.1 min | 4.4% | $1,395 | −2% |
| 55425 | 10,908 | 2,404 | 24.0 min | 9.6% | $1,460 | +2% |
Minimum car insurance in Bloomington
Bloomington drivers follow Minnesota's rules: at least 30/60/10 liability coverage, personal injury protection, and uninsured motorist coverage. Minnesota is no-fault. We estimate state-minimum coverage in Bloomington at $500 a year, and $700 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $40,000 Personal injury protection of $40,000 per person is required: $20,000 for medical expenses and $20,000 for non-medical losses such as wages. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Underinsured motorist coverage of at least 25/50 is required. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Risk factors that shape Bloomington premiums
Accidents
Minnesota recorded 477 traffic deaths, or 0.81 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Minnesota's vehicle theft rate is 165 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Hyundai Elantra (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Hennepin County as very high for hail, relatively high for inland flooding and very high for strong wind.
Traffic & commuting
2.7% of Bloomington commuters spend an hour or more getting to work, and there are 1.68 vehicles per household. 22.3% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.6 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.6 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 98.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 98.9 | Comprehensive; dwelling | |
| Winter weather | 97.4 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Bloomington by driver profile
A clean-record driver in their 50s pays the least in our Bloomington model (about $1,315 for full coverage); an 18-year-old on their own policy pays about $3,930, and a DUI pushes a 30-something to $2,640.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,375 | $1,920 | $3,930 | $328 |
| Young adult (22) | $800 | $1,115 | $2,285 | $190 |
| Adult in their 30s | $500 | $700 | $1,430 | $119 |
| Adult in their 50s | $460 | $640 | $1,315 | $110 |
| Senior (72) | $560 | $780 | $1,600 | $133 |
| 30s, one at-fault accident | $725 | $1,010 | $2,070 | $173 |
| 30s, DUI on record | $925 | $1,290 | $2,640 | $220 |
Minimum vs. standard vs. full coverage in Bloomington
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $500 | $42 | $410–$590 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $700 | $58 | $570–$825 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,430 | $119 | $1,170–$1,685 |
Estimate your premium in Bloomington
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Cheap car insurance in Bloomington: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Bloomington's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $105 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 22.3% of Bloomington workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $400 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $730 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $310 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Bloomington
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 35 offices listed below.
- Check complaint records with the Minnesota Department of Commerce (complaint information) before you buy.
- Mention your ZIP code accurately — within Bloomington, our estimates differ by up to $70 a year between neighborhoods.
Car insurance agents near Bloomington, MN
We found 35 insurance offices within about 4 miles of central Bloomington, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Amir Azizi - American Family Insurance
2028 W 98th St, Bloomington, MN 55431 -
Shepard David Rife - Farmers Insurance
2120 W Old Shakopee Rd, Bloomington, MN 55431 -
Daniel C Stocker - Farmers Insurance
9031 Penn Ave S, Bloomington, MN 55431 -
Zach Fetzer - State Farm
2111 W 90th St, Bloomington, MN 55431 -
Alix Moise - Farmers Insurance
9001 E Bloomington Fwy, Bloomington, MN 55420 -
Vandervieren & Associates Inc.
9437 Garfield Ave S, Ste 100, Bloomington, MN 55420 -
Brent Mohlenhoff - State Farm
8714 Lyndale Ave S, Bloomington, MN 55420 -
Gina Ann Burkel - Farmers Insurance
10800 Lyndale Ave S, Bloomington, MN 55420 -
Fost Choles Agency Inc
3601 Minnesota Dr, Ste 500, Bloomington, MN 55435 -
Nicholas Ryan Agency LLC
400 American Blvd E, Bloomington, MN 55420 -
Felix Muyekho - American Family Insurance
5100 Edina Industrial Blvd, Ste 220, Edina, MN 55439 -
Bjorn Bjorklund - Allstate
7831 E Bush Lake Rd, Ste 100, Bloomington, MN 55439 -
Patrick Domeier - American Family Insurance
7801 E Bush Lake Rd, Ste 260, Bloomington, MN 55439 -
Matt Gallegos - GEICO
7101 France Avenue South, Suite 201, Minneapolis, MN 55435 -
Rick J DeKoter Agency Inc
7400 Metro Blvd, Ste 217, Edina, MN 55439 -
Tracie Larson Agency Inc
7400 Metro Blvd, Ste 180, Edina, MN 55439 -
Daniel Oliver - Farmers Insurance
7400 Metro Blvd, Edina, MN 55439 -
Jacob Group Agency
7300 Metro Blvd, Ste 635, Edina, MN 55439 -
Burnett & Associates, LLC
7301 Ohms Ln, Ste 430, Edina, MN 55439 -
Sam Hanna - American Family Insurance
6800 France Ave S, #420, Edina, MN 55435 -
Miguel Medrano Rodriguez - Farmers Insurance
7001 Nicollet Ave, Richfield, MN 55423 -
Matthew Nye - Farmers Insurance
6603 Queen Ave S, Richfield, MN 55423 -
Jay C Hurd Agency LLC
4735 W 123rd St, Ste 300, Savage, MN 55378 -
Justin Evans - Allstate
4827 W 123rd St, Savage, MN 55378 -
Steven E Koenig - Farmers Insurance
7131 Amundson Ave, Edina, MN 55439 -
David J Flicek - Farmers Insurance
12751 County Road 5, Burnsville, MN 55337 -
Panu A Yang - Farmers Insurance
8000 W 78th St, Edina, MN 55439 -
Nicholas Wade Jensen - Farmers Insurance
200 E Travelers Trl, Burnsville, MN 55337 -
Timothy J Otting - Farmers Insurance
12400 Portland Ave, Burnsville, MN 55337 -
Jonathan Ryan Berg - Farmers Insurance
2626 E 82nd St, Bloomington, MN 55425 -
Galen Flink - Farmers Insurance
2412 E 117th St, Burnsville, MN 55337 -
Thomas Durda - American Family Insurance
2426 E 117th St, Burnsville, MN 55337 -
Workman Insurance Agency, Inc.
1904 HIghway 13 E, Burnsville, MN 55337 -
William White: Allstate Insurance
11979 Co Rd 11, Ste 240, Burnsville, MN 55337 -
Ryan Carlock - Farmers Insurance
12940 Harriet Ave S, Burnsville, MN 55337
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Bloomington
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,070 | −25% |
| Subaru Outback | Wagon | $1,080 | −24% |
| Tesla Model 3 | Midsize car | $1,480 | +3% |
| Subaru Forester | Small SUV | $1,060 | −26% |
| Honda Civic | Compact car | $1,600 | +12% |
| Toyota Corolla | Compact car | $1,500 | +5% |
| Jeep Wrangler | Midsize SUV | $1,150 | −20% |
| Mazda CX-5 | Small SUV | $1,190 | −17% |
| MINI Cooper | Subcompact car | $1,075 | −25% |
| Tesla Model Y | Midsize SUV | $1,330 | −7% |
Car insurance in nearby Minnesota cities
- Minneapolis $1,535/yr · 10 mi
- St. Paul $1,495/yr · 13 mi
- Plymouth $1,435/yr · 15 mi
- Brooklyn Park $1,450/yr · 20 mi
- Woodbury $1,455/yr · 20 mi
- Rochester $1,340/yr · 70 mi
- Duluth $1,300/yr · 146 mi
All Minnesota cities and state rules · Homeowners insurance in Bloomington
Frequently asked questions
How much is car insurance in Bloomington, MN?
We estimate full coverage in Bloomington at about $1,430 a year ($119 a month) for a driver in their 30s with a clean record, and about $500 for Minnesota's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Bloomington more expensive than the Minnesota average?
Our Bloomington estimate is 7% higher than the statewide figure. The model reflects a population density of 2,546 people per square mile (the typical Minnesota resident lives at about 617) and an average commute of 21.0 minutes versus 22.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Bloomington?
Drivers in Bloomington follow Minnesota law: at least 30/60/10 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Bloomington has the cheapest car insurance?
Among Bloomington's 5 ZIP codes, 55438 has the lowest estimate (about $1,395 a year for full coverage) and 55420 the highest (about $1,465), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Bloomington?
An 18-year-old with their own full-coverage policy would pay around $3,930 a year in Bloomington by our estimate ($1,375 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Bloomington?
Yes. FEMA's National Risk Index rates Hennepin County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Bloomington?
We list 35 insurance offices in and around Bloomington, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Minnesota Department of Commerce: Auto Insurance Guide
- Minnesota Statutes 65B.51 (tort action limitations)
- Minnesota Statutes 169.792 (proof of insurance for reinstatement)
- Minnesota Rules 7409.0100 (certificate of insurance)
- Minnesota Department of Commerce: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Bloomington and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places