{"id":43516,"date":"2023-06-01T16:09:20","date_gmt":"2023-06-01T23:09:20","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=43516"},"modified":"2023-09-22T05:33:25","modified_gmt":"2023-09-22T12:33:25","slug":"bloomington-car-insurance","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/minnesota\/bloomington-car-insurance\/","title":{"rendered":"Bloomington Car Insurance"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6474df5495d0e\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Everything You Need to Know about Auto Insurance in Minnesota<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">The fifth largest city in Minnesota, Bloomington is mainly known for being the home of the Mall of America, the largest shopping mall in the United States. However, it is also an underrated nature destination, home to the Minnesota Valley National Wildlife Refuge, with more than 14,000 acres of wetlands. Highland Lake Park Reserve, with its endless skiing and snowboarding opportunities, is another favorite spot.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">If you are a Bloomington driver, expect to need to carry an active auto insurance policy to be able to drive legally in the state. With this guide, you will learn everything there is to know about <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/minnesota\/\">car insurance in Minnesota<\/a><\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> including average rates paid by zip code, what determines auto insurance premiums, and the types of discounts you can get.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6474df6f95d0f\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Much Does Car Insurance Cost in Bloomington, MN?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bloomington drivers pay an average monthly premium of $130 for <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/full-coverage\/\">full coverage<\/a><\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> slightly below the state average of $137 and well below the national average of $148. For the <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\/\">cheapest car insurance<\/a><\/strong><span style=\"font-weight: 400;\"> in Bloomington, drivers pay an average of $50 per month for the <\/span><a href=\"https:\/\/www.freeway.com\/auto-insurance\/state-requirements\/\"><span style=\"font-weight: 400;\"><strong>state-required<\/strong> <strong>minimum liability<\/strong><\/span><\/a><span style=\"font-weight: 400;\">, which is a little higher than the state average of $45 and about the same as the national average at $47.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Getting a Free Auto Insurance quote with Freeway is easy!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6474e11c95d11\">\n    <div class=\"o-wrapper \">\n        \n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>What Does Full vs. Minimum Mean?<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Full vs. minimum refers to full coverage versus state minimum liability.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Full coverage generally consists of three types of policies: liability, <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/collision\/\">collision<\/a><\/strong><span style=\"font-weight: 400;\">, and <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/comprehensive\/\">comprehensive<\/a><\/strong><span style=\"font-weight: 400;\">, protecting against a broader range of scenarios, including crash-related events (e.g., vehicle-to-vehicle collisions) or non-collision-related events like theft and vandalism.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">In turn, state minimum liability provides liability coverage including <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/bodily-injury\/\">bodily injury\/death liability<\/a><\/strong><span style=\"font-weight: 400;\"> and property damage liability. Since Minnesota is a no-fault state, your liability coverage will be used to help pay for your injuries and damage, regardless of who is at fault in an accident.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Most no-fault states like Minnesota also require some form of additional medical coverage, such as <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/no-fault\/\">Personal Injury Protection<\/a><\/strong><span style=\"font-weight: 400;\"> (PIP), as well as <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/uninsured-motorist\/\">uninsured motorist coverage<\/a><\/strong><span style=\"font-weight: 400;\"> (UM).\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Remember, you can adjust coverage limits regardless of whether your insurance policy is full or state minimum liability. Feel free to adapt your bodily injury and property damage liability limits above and beyond Bloomington&#8217;s required 30\/60\/10 minimums. To be safe, opt for a 100\/300\/100 policy if you can afford it. With the average cost of a new vehicle now over $40,000 with the ever-increasing cost of vehicle parts and labor due to today&#8217;s macroeconomic conditions, a 100\/300\/100 policy may be more appropriate.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_6474e18595d12\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">Affordable Car Insurance Rates Comparison by Cities in Minnesota<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">For the average monthly premium paid in nearby cities to Bloomington, check out our breakdown below:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td><b>Bloomington<\/b><\/td>\n                                                                                            <td><b>$130<\/b><\/td>\n                                                                                            <td><b>$50<\/b><\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Grand Rapids<\/td>\n                                                                                            <td>$170<\/td>\n                                                                                            <td>$60<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Minneapolis<\/td>\n                                                                                            <td>$150<\/td>\n                                                                                            <td>$60<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Rockford<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Saint Paul<\/td>\n                                                                                            <td>$160<\/td>\n                                                                                            <td>$60<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_6474e1e195d13\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>Affordable Bloomington Car Insurance Rates by Zip Code<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Every zip code pays a different average monthly premium than neighboring zip codes for many reasons, such as varying theft and claims rates. That&#8217;s why drivers living in larger, more congested cities pay significantly higher premiums than less populated, more rural areas.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">For the average monthly premium paid by Bloomington residents by zip code, see our breakdown below:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>55420<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55425<\/td>\n                                                                                            <td>$140<\/td>\n                                                                                            <td>$60<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55431<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55435<\/td>\n                                                                                            <td>$140<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55437<\/td>\n                                                                                            <td>$140<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55438<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_6474e40395d15\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>Low-Cost Car Insurance Rates by Age in Bloomington<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">As a group, younger drivers have less driving experience than older drivers and have more claims. As a result, they pay higher average monthly premiums for <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/full-coverage\/\">full coverage<\/a><\/strong><span style=\"font-weight: 400;\"> and even basic liability. It&#8217;s not uncommon for an 18-year-old driver to pay more than three times the rate of a driver in their 50s.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">For the average monthly premium paid by Bloomington residents by age, see our breakdown below:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$340<\/td>\n                                                                                            <td>$120<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$150<\/td>\n                                                                                            <td>$60<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$120<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$110<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$120<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$140<\/td>\n                                                                                            <td>$60<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"c-state-table__text\">\n                    \n\n                            <p><p style=\"text-align: left;\"><b><i>* Methodology:<\/i><\/b> <i><span style=\"font-weight: 400;\">To arrive at the average monthly premiums paid by Bloomington drivers, we use the following demographic profile: 30-year-old male with Minnesota&#8217;s state minimum liability coverage. Many factors affect your premiums, including but not limited to your deductible, liability limits, enrolled discount programs, age, gender, and zip code.<\/span><\/i><\/p>\n<\/p>\n\n                                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6474e47295d17\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Bloomington<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>How Many Fatal Accidents Happen in Bloomington?<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">In 2020, there were five fatal road traffic accidents in Bloomington, involving 11 vehicles and resulting in five fatalities; 13 people were involved, including four pedestrians.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>How Are the Road Infrastructure and Bridges in Bloomington, Minnesota?<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">The city of Bloomington has an active Public Works Department that maintains all city streets and infrastructure, providing various services including but not limited to engineering services, Wastewater management, pothole\/street light repair, and on-street parking permit issuance.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">The department&#8217;s Street Maintenance program is responsible for maintaining more than 300 miles of city streets. In addition, it is well known for its Pavement Management Program, which tries to seal street surfaces every seven years.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6474e4ba95d18\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Bloomington<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">All Minnesota drivers must carry the following coverages:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$30,000 for bodily injury liability per person<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$60,000 for bodily injury liability per accident<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$10,000 for property damage liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$25,000\/$50,000 uninsured motorist coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$25,000\/$50,000 underinsured motorist coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$40,000 PIP<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Remember, Minnesota is a no-fault state. Your liability coverage will be used to help you pay for your own damages and injuries, but it may not be enough at these minimum levels. For greater protection, you can consider higher liability limits. For example, Minnesota&#8217;s minimum $10,000 in property damage liability may barely cover a three-vehicle fender bender, especially with the average cost of a new vehicle being over $40,000 these days.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote c-quick-office\">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                                                <img decoding=\"async\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/office-quote.svg\" alt=\"Image office\" class=\"c-quick-small__img\">\n                                \n                <h2 class=\"c-quick-small__title c-quick-small__title--blue\">Find an office near you to help with your auto insurance<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form\" action=\"https:\/\/locations.freeway.com\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Search by Zip Code, City or State<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote \" type=\"text\"  name=\"search\" id=\"address\" maxlength=\"50\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" name=\"latitude\" value=\"\">\n                    <input type=\"hidden\" name=\"longitude\" value=\"\">\n                    <input type=\"hidden\" name=\"radio\" value=\"20\">\n                    <input type=\"hidden\" name=\"time\" value=\"open-any\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--blue-green c-button--text-big\" type=\"submit\">Find<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6474e4e795d1a\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Bloomington, MN?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">You must have an active auto insurance policy to drive legally in Bloomington.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Failure to provide insurance at a traffic stop will result in the following:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">90-day license\/registration suspension<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fines from $200 to $1,000 for first and second offenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fines from $200 to $3,000 for third and subsequent offenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$30 reinstatement fee<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Possible required community service and\/or up to 90 days in jail (depending on the severity of the offense)<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Another penalty for driving without insurance in Bloomington is required filing of an <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\">SR-22<\/a><\/strong><span style=\"font-weight: 400;\">, an add-on to your existing policy that lets the state know you are carrying the minimum liability coverage required. This will automatically elevate your premium for a minimum of three years.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6474e51495d1b\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Bloomington Car Insurance Rates<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">There are many factors auto insurance companies use to calculate premiums, including:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Age\/gender<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driving record<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zip code of residence<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Type of vehicle you drive<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><strong><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/car-insurance-for-teens\/\">Younger drivers<\/a><\/strong><span style=\"font-weight: 400;\"> pay higher average monthly premiums for liability-only and full coverage than older drivers, thanks to higher accident and claims rates. They are also more likely to engage in risky driving behavior.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Another aspect to consider is location. High crime and theft rate areas will see higher premiums than sparsely populated, low-crime rural areas.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Remember the type of vehicle that you drive. Luxury and sports cars will have higher premiums than older 2007 Honda Civics with a much lower depreciation rate.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Note that this is not an all-inclusive list and only includes some factors used to calculate auto insurance premiums. Each auto insurance company applies its methodologies using proprietary algorithms and statistical models to determine the likelihood of future claims payouts for each policyholder.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6474e6da95d1c\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Insurance That Helps You Prepare for the Future<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Having an active auto insurance policy cannot be understated.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">It provides three benefits: financial protection, legal compliance, and peace of mind. Depending on your type of coverage, a policy ensures your auto insurance company will be on the hook to pay for vehicle repairs, medical expenses, legal fees, and other scenarios (up to your policy limits) after a covered accident.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Additionally, all states require drivers to carry auto insurance. Failure to do so will result in a suspended driver&#8217;s license and registration, penalties, administrative charges, and even jail time, depending on the severity of the offense.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Lastly, an active auto insurance policy contributes to greater peace of mind knowing you are adequately protected. The average cost of a new vehicle is now over $45,000, so a high-limit 100\/300\/100 policy will work wonders.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_6474e70695d1e\" class=\"c-section c-section--bottom-0-spacing\">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">What are the Best Discounts for Car Insurance in Bloomington, MN?<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bloomington drivers can take advantage of all kinds of auto insurance <\/span><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/\"><span style=\"font-weight: 400;\"><strong>discounts<\/strong>,<\/span><\/a><span style=\"font-weight: 400;\"> rewarding them for doing everything from paying an entire annual premium upfront to installing in-vehicle safety devices.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Some auto insurance discounts include:<\/span><\/p>\n                <\/div>\n            \n                            <div class=\"c-saving-features\">\n                    <ul class=\"o-list-bare c-saving-features__list\">\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/college-student-drivers\/\">Student discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/multi-policy.svg\" alt=\"Pink icon of a document with a checklist\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/multi-policy-discounts\/\">Multi-policy discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/09\/icon-Auto-Pay-Car-Insurance-Discount.svg\" alt=\"Hand with money paying an auto discount\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/auto-pay-car-insurance-discount\/\">Automatic payments discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/military.svg\" alt=\"Green icon of a military man\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/military-discounts\/\">Military discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/anti-theft.svg\" alt=\"Pink icon of a thief\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/anti-theft-car-discount\/\">Anti-theft device discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/05\/Vehicle-safety-discount.svg\" alt=\"Hands holding a box with a check mark\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/customer-retention-discount\/\">Loyalty discount<\/a><\/p>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n                        \n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">These discounts have been proven to encourage safe driving habits, promote vehicle safety, reward responsible driving behavior, and cut insurance costs. All of this benefits Bloomington residents who strive to maintain clean driving records.<\/span><\/p>\n<p>&nbsp;<\/p>\n                <\/div>\n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_6474e9c195d25\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get an Online Quote for Car Insurance in Bloomington Today!!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2023\/06\/Bloomington-2-1.jpg\" alt=\"Bloomington Buildings and Lake Normandale During a Late Summer\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Freeway Insurance is ready to help all Bloomington residents find an affordable auto insurance policy to protect you and your loved ones.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Getting started with Freeway Insurance takes less than a minute. You may visit us <\/span><strong><a href=\"#modal-turbo\">online<\/a><\/strong><span style=\"font-weight: 400;\">, at a <\/span><strong><a href=\"http:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\">location <\/a><\/strong><span style=\"font-weight: 400;\">near you, or speak with one of our friendly agents by calling <\/span><strong><a href=\"tel:800-777-5620\">800-777-5620<\/a><\/strong><span style=\"font-weight: 400;\"><strong>.<\/strong> We look forward to helping you explore all of your options.<\/span><\/p>\n                <\/div>\n                                            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":40135,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43516"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=43516"}],"version-history":[{"count":13,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43516\/revisions"}],"predecessor-version":[{"id":46185,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43516\/revisions\/46185"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/40135"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=43516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}