Bloomington, IN
Bloomington, IN car and homeowners insurance
Commute, vehicle, and housing data for Bloomington, plus what it means for your auto and homeowners quotes. A quote is not a binder.
In Bloomington (79,986 people), 56% of workers commute by driving alone, compared with 76% across Indiana. Homeownership runs at 35%.
How Bloomington gets around
| Measure | Bloomington | Indiana |
|---|---|---|
| Drive alone to work | 56% | 76% |
| Carpool | 9% | 9% |
| Work from home | 18% | 11% |
| Commute of 45 minutes or more | 6% | 13% |
| Commute under 15 minutes | 48% | 30% |
| Households with no vehicle | 12% | 6% |
| Households with 3 or more vehicles | 13% | 24% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Bloomington commutes are shorter than the Indiana norm, with 6% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Remote work is common here: 18% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
In Bloomington, 12% of households live without a car while 13% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Bloomington homes and homeowners coverage
Homes in Bloomington carry a median value of $321,400 and a median construction year of 1985. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
For context, the NAIC's 2023 average HO-3 premium in Indiana was $1,220 for homes insured in the $300,000–$324,999 range, and $1,259 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Bloomington
Drivers in Bloomington must carry Indiana's minimum of 25/50/25 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Bundling auto and home in Bloomington
A bundle can simplify life in Bloomington: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Bloomington
Plan for tornadoes and derecho winds, along with hail. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
Bloomington compared with nearby cities
Indianapolis: 72% drive alone, 9% commute 45+ minutes, median home $224,800. Fort Wayne shows 9% working from home and a median home value of $188,900. Evansville: 79% drive alone, 6% commute 45+ minutes, median home $143,100. For share of 45-minute-plus commutes, Bloomington is 21st of 25 Indiana cities on this site.
Gathering details for a Bloomington auto and home quote
- Mortgage company for the home
- Everyone in the household who drives
- Your Bloomington address, square footage, and year built
- Target limits and deductibles
- Commute distance and typical yearly miles
- When the roof was replaced
Bloomington auto and home insurance FAQ
What are the minimum car insurance limits for Bloomington drivers?
Indiana requires liability of 25/50/25; none beyond liability.
How long are commutes in Bloomington?
About 6% of Bloomington workers commute 45 minutes or more and 48% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Bloomington?
There is no single price. As context, Indiana HO-3 policies averaged $1,259 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research