Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in Bloomington

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bloomington Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

60

Reviewed

40

Curated

12

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
420 Gateway Boulevard, Burnsville, MN 55337
  • Motorcyle & ATV

Why choose this provider?

Kraus-Anderson Insurance is an independent insurance agency that provides personal and commercial lines to residents of Bloomington metro and nearby communities. The firm has been writing policies to clients for over a century and is committed to bringing cutting-edge, personalized, and innovative insurance solutions. It offers auto insurance policies that protect clients and their personal or company vehicles from damages as well as liabilities from accidents and unique driving situations.

License Verified:

License: 20150984

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (39)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
900 American Boulevard East, Bloomington, MN 55420
  • Multiple Carriers
  • RV & Motorhome
  • Motorcyle & ATV

Why choose this provider?

Aklog Asfaw Agency helps fellow locals in Bloomington shop for car insurance. The owner and agent Aklog Asfaw established the agency in 2010. He previously worked as an agent for Allstate Insurance for seven years, prior to becoming an independent provider. He compares over 20 selected carriers to suit the specific coverage and protection of every client. He is licensed to write for personal and business insurance. This includes home, life, health, and disability.

License Verified:

License: 20353045

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
400 South 4th Street, Minneapolis, MN 55415
  • Multiple Carriers

Why choose this provider?

Options Insurance is an independent insurance broker that offers risk management solutions to families, individuals, and business owners in Bloomington and nearby areas. The agency is a member of the Insurance Producers Network and has access to the nation's leading carriers. Its insurance specialists help clients find the right auto insurance policy with coverage that suits financial needs. It also provides boat, life, health, truck, small business, and motorcycle insurance.

License Verified:

License: 40460294

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
12100 Singletree Lane, Eden Prairie, MN 55344
  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Why choose this provider?

Founded in 2009, Insurance Producers Network provides auto insurance plans for clients in and nearby Bloomington. It's a network of different independent insurance agents, all of whom cover any unexpected expenses for a car. This includes repairs for accidents, injury liabilities, and property damage. IPN also covers for replacement of destroyed vehicles and rentals while awaiting repairs. Clients can add roadside service coverage for flat tires or overheated engines on the road. The company also provides auto insurance for businesses.

License Verified:

License: 40166823

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (5)
Google
4.3 / 5 (4)

Website
15870 Franklin Trail Southeast, Prior Lake, MN 55372
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Why choose this provider?

Oak Tree Insurance has been providing car insurance policies to drivers in Bloomington since 2013. The agency's policies can have coverage for auto liability, comprehensive, collision, rental reimbursement, and roadside assistance, along with insurance for uninsured and underinsured drivers. It compares quotes from over 20 top car insurance companies, including Safeco Insurance and Travelers Insurance, to come up with the best policies for drivers. Oak Tree Insurance also has life and homeowners' insurance.

License Verified:

License: 20314087

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8100 Penn Avenue South, Bloomington, MN 55431
  • Bundling Option

Why choose this provider?

Gary Gilbertson is a State Farm insurance agent that serves clients in Bloomington, Richfield, Edina, Eden Prairie, and nearby areas. He offers a wide array of insurance and risk management products such as automobile insurance, homeowners insurance, life insurance, as well as health insurance coverage. Gary Gilbertson has been a State Farm Insurance agent for 32 years and his background in insurance allows him to provide personalized insurance coverage fit for the needs and requirements of each client.

License Verified:

License: 34944

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (13)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
15025 Garrett Ave. Apple Valley, MN 55124, Apple Valley, MN 55124
  • RV & Motorhome
  • Motorcyle & ATV

Why choose this provider?

Mayer Insurance Agency is an independent agency providing its array of services to Bloomington and nearby areas in Apple Valley. The agency has been in the industry for over 25 years, helping clients secure personal and commercial insurance coverage. Mayer Insurance Agency works with insurance carriers that offer car insurance policies customized depending on the client's needs. Additionally, the agency offers other personal insurance including homeowner coverage and life insurance.

License Verified:

License: 20453580

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
22 South Lexington Avenue, Le Center, MN 56057
  • Multiple Carriers

Why choose this provider?

Originally established in 1945, House of Insurance Agency Inc. is an independent insurance agency serving clients in the Le Center and Bloomington areas. The agency has a broad portfolio of insurance products that include auto insurance. Its insurance plan offers several coverage options, including liability coverage, collision and comprehensive coverage, and road trouble service. Now operating under the ownership of Tom and Marlene Hunt, House of Insurance Agency Inc. has a good working relationship with several insurance providers.

License Verified:

License: 20430779

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4151 Knob Drive, Eagan, MN 55122
  • Multiple Carriers

Why choose this provider?

Kerry Jordan Insurance Agency is an independent insurance company that serves the Bloomington community. The company's founder, Kerry, has been working in the insurance industry since 1987. Catering to individuals, families, and businesses, the company carries different insurance brands to fulfill its commitment to giving each client a policy that suits their needs. It places an emphasis on protecting a client's hard-earned assets and preparing for unexpected outcomes. Kerry Jordan Insurance Agency also offers insurance for Uber and Lyft drivers.

License Verified:

License: 40144704

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2416 East 117th Street, Burnsville, MN 55337
  • Boats
  • Motorcyle & ATV

Why choose this provider?

River City Insurance Agency, Inc., is a multi-line agency that offers auto insurance products and services to individuals and families in Bloomington. It works with 15 carriers in providing the clients with insurance plans and options that will protect them against damages and financial losses resulting from an accident, which may include property, liability, medical, collision, and comprehensive coverages. River City Insurance Agency, Inc., is committed to providing high-quality services and aims to establish a long-term relationship with clients through its insurance solutions.

License Verified:

License: 40390250

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11979 County Road 11, Burnsville, MN 55337
  • Bundling Option
  • Boats

Why choose this provider?

Lakeside Insurance Brokers is an independent agency servicing the insurance needs in Bloomington and nearby communities. Its agents can quote and write policies that can protect its clients from car-related accidents, providing coverages not limited to liabilities, medical expenses, damage due to collisions, and damages from something other than collisions. For over 25 years, this family-owned and operated business has been helping families and businesses secure their most valuable assets, including home and business properties.

License Verified:

License: 40065256

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
8353 210th Street West, Lakeville, MN 55044
  • RV & Motorhome

Why choose this provider?

Willow Insurance Agencies, LLC explores over 50 carriers on behalf of its clients in Bloomington and the surrounding areas. The service provider represents insurance companies like American Strategic Insurance, Hagerty, Prudential Life, Minnesota Fair Plan, and Encompass. The business also determines the clients' needs to give them appropriate protection plans. Its agents safeguard driver's vehicles in the event of accidents, damages, and theft. Other insurance products available include home, business, life, and umbrella.

License Verified:

License: 17262007

The Minnesota Department of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is Bloomington’s minimum requirement for local car insurance?

    Bloomington’s minimum requirement for local car insurance includes the following: $30,000 for bodily injury per person, $60,000 for all injuries per accident, $10,000 for property damage, $40,000 for personal injury protection per person, and $25,000 and $50,000 for bodily injury liability per person and per accident for underinsured and uninsured motorists. These minimum limits may be expressed as 30/60/10.

  • What are the penalties for not having local Bloomington car insurance?

    Proof of insurance must always be carried out and produced on demand by law enforcement officers, which can be in the form of an insurance ID or an electronic version, and failure to do so warrants a misdemeanor and has penalties, which may include a 200-dollar minimum fine, jail time and criminal penalties, and revocation of one’s vehicle registration and driver’s license. State laws impose several penalties for Bloomington drivers who have no local car insurance.

  • How much does local car insurance cost per month in Bloomington?

    Local car insurance costs $136 on average per month in the state of Minnesota, where Bloomington is located. This translates to $1,632 per year for full coverage insurance policies. This rate is less expensive than the average rate across the nation, which is $1,730 per year or $144 per month. The minimum car insurance is approximately $50 per month in the state.

  • Why is PIP coverage required for every Bloomington driver who gets local car insurance?

    PIP coverage is required for every driver in Bloomington who gets local car insurance because the metro is in Minnesota, which is a no-fault state. This means that one may only pursue injury claims from their own company under their PIP coverage. This no-fault system applies only to medical costs due to accidents and not to property damage.

  • How should a Bloomington resident shopping for local car insurance compare quotes?

    When shopping for local car insurance, a Bloomington resident may compare quotes from various providers by selecting the same amounts for coverage types in each quote. For policy limits, they may use a coverage calculator to help determine the amount they may want to increase. In considering deductible amounts, they should think about their capacity to pay for vehicle repairs. Comparing these variables will provide a more complete picture of each insurer’s offer.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.