Bloomington drivers face a longer-than-average commute of about 32 minutes, so it pays to compare car insurance quotes side by side.
How Much Does Car Insurance Cost in Bloomington?
Prices here start with your own driving record, yearly mileage and years of experience, and a daily drive that runs longer than the state average of 29 minutes adds miles. Your ZIP code, 92316, your vehicle and the coverage you choose can also play a part.
| Factor | Bloomington | California |
|---|---|---|
| Average commute | 32 min | 29 min |
| Homes with 2+ cars | 77% | 63% |
| Car thefts per 1,000 (San Bernardino County) | 2.8 | 3.2 |
| ZIP codes | 1 |
Why Bloomington Drivers Compare Quotes With A1
Each carrier weighs these factors a little differently, so the same driver can get different quotes from different companies. As an independent broker, A1 checks prices with several California carriers in one go, at no cost to you.
About Bloomington, California
Bloomington is an unincorporated community in San Bernardino County, in the Inland Empire. About 24,000 people live in its 6.1 square miles, at roughly 1,100 feet of elevation. It is policed by the county sheriff, and nearby places include Rialto, Colton and Fontana, each within about 5 miles.
- County
- San Bernardino County
- Population
- 24,324 (Census est.)
- Major routes
- I-10
Driving in Bloomington: What to Know
Almost 80% of workers here drive alone, compared with about 67% across California, so most local trips happen in a personal vehicle. Only 0.1% of commuters use public transit, which means a car is the main way to get to work. The average commute is about 32 minutes, which ranks 24th of 49 places in the county. I-10 runs through or near the area, and CHP patrols the highways, so freeway miles are likely part of many drivers' routines and are worth reporting accurately on a quote.
State highways through or near Bloomington:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Bloomington
The nearest DMV office is the Fontana DLPC DMV at 16499 Merrill Avenue in Fontana, about 3 miles away.
Nearest DMV: Fontana DLPC
16499 Merrill Avenue, Fontana, CA 92335
About 3.3 miles from Bloomington
Traffic court
Superior Court of California, County of San Bernardino.
San Bernardino County court website →California Car Insurance Rules for Bloomington Drivers
California requires at least 30/60/15 liability coverage, and that covers other people, not your own car. If you have a clean record you may qualify for a Good Driver Discount of at least 20%, and insurers cannot use your credit score or gender to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Bloomington ZIP Codes and Nearby Areas
ZIP codes in Bloomington:
Nearby cities and communities:
More About Bloomington
Bloomington is an unincorporated community in the Inland Empire, where old farmland and a small-town feel sit beneath big mountain views. A few local favorites:
- Mountain views. On clear days the San Gabriel and San Bernardino Mountains rise right over the rooftops, and snow on the peaks in winter makes for a great backdrop.
- Rural roots. Bloomington grew up as farm country with citrus groves, and many streets still have a country feel, with larger lots and the occasional horse property.
- The Santa Ana River nearby. The river corridor just south of the community offers open space for walks, bird-watching and a break from the neighborhood bustle.
- Mountain getaways. Big Bear Lake and Lake Arrowhead are about an hour away, so skiing, lake days and cool pine forests are an easy weekend plan.
Bloomington Car Insurance FAQ
Does a long commute raise my insurance cost in Bloomington?
It can, because annual mileage is one of the main factors California insurers must weigh. The average commute here is about 32 minutes, so tell each carrier your real mileage.
Is vehicle theft a big concern near Bloomington?
Across San Bernardino County, the 2025 theft rate was about 2.8 per thousand people, a bit below the state average of 3.2. Comprehensive coverage is what pays if your car is stolen, burned or vandalized.
How many cars do households here usually have?
About 77% of households have two or more vehicles, well above the state figure of about 63%. More cars on a policy means more drivers and vehicles to compare, which is where checking several carriers can help.