Cheapest Auto Insurance in Benton, Arkansas (2026)

At an average of $110 per month, car insurance in Benton isn’t just a bill — it can be a significant slice of your budget. The cost is more than the national average of $136 per month.

But these high rates aren’t exclusive to Benton and are due, in part, to Arkansas’ alarmingly high traffic fatality rate, according to the Insurance Institute for Highway Safety (IIHS).^[1] This, combined with frequent weather-related claims, bumps rates above the norm.

Fortunately, you can save money on your monthly car insurance premiums in Benton by comparing quotes from several companies.

3 of the cheapest car insurance companies in Benton

Insurify data points to three insurers as the most budget-friendly options in Benton. Remember that the right coverage for you may differ from these insurers. But as you begin your search, keep these companies in mind.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
State Farm	9.3	$88	$44	Low rates
USAA	9.1	$106	$53	Military members
GEICO	9.2	$132	$66	Families

Disclaimer: Table data sourced from real-time Benton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Benton may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low rates: State Farm

low rates

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User Reviews	4.0 7,021 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$43/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$84/mo

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Driver Reviews

4.0

Best choiceBased on 14,868 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (7,021)

Matthew

Verified Review

I like Jake, but not State Farm.

Reviewed in Ohio on February 12, 2026

Very disappointing. Policy cost hikes with no explanation. No effort by the agent to review and reduce costs. They collect the premium and forget you exist.

Rickie

Verified Review

Satisfied Customer

Reviewed in North Carolina on February 12, 2026

Can't say enough good things about this agency. They went above and beyond to help us with everything we needed. Highly recommend them.

Kenneth

Verified Review

State Farm Insurance Experience

Reviewed in Missouri on February 12, 2026

I had a disappointing experience with State Farm. After my wife had two strokes, I took her off the policy. I was told that my premium would decrease, but instead, it increased by $30.00/month. When I filed a claim for flood damage caused by a water softener unit in my home, they categorized it as sewage backup. They also informed me that mold was not covered by the policy. I am now in the process of switching to a different company. I have been with State Farm for almost 60 years, and I feel dissatisfied with their service.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm tops Insurify’s list for Benton drivers looking for the most affordable car insurance. It offers some of the lowest average rates in the area. Policyholders also have access to numerous discounts, opening up more ways to save without sacrificing quality coverage. Benton also has four State Farm agents for personalized service.

Pros

• Good discounts for student and teen drivers

• Above-average J.D. Power customer service rating in the Central region^[2]

• Below-average complaint index rating from the National Association of Insurance Commissioners (NAIC)^[3]

Cons

• Can’t get a policy online

• Doesn’t offer gap insurance

• May charge higher rates for drivers with poor credit

Best insurer for military members: USAA

military members

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User Reviews	4.9 1,444 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$53/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$102/mo

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Driver Reviews

4.9

Best choiceBased on 2,917 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,444)

Walt

Verified Review

Good

Reviewed in Florida on February 12, 2026

They took care of me after an accident. The vehicle that hit me had inferior insurance.

David

Verified Review

No updates

Reviewed in Pennsylvania on February 10, 2026

I have had no claims, so there is no new information to share.

Ken

Verified Review

USAA rate increase without explanation

Reviewed in Georgia on February 10, 2026

With no accidents or tickets in the last decade, our car insurance rates doubled with USAA after 5 years. Why? Couldn't tell you and couldn't get an explanation as to why either when I called them to inquire about the rate hike!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA stands out as the best choice for Benton’s military community. In Arkansas, veterans make up nearly 10% of the state’s adult population, and a large portion of them make their home in Benton.^[4] Policyholders can cut costs with discounts for living on base and being a safe driver, as well as save up to 60% for storing vehicles during deployment.

Pros

• Highly rated by J.D. Power for customer service and claims satisfaction^[5]

• Offers home, renters, life, and pet insurance policies

• Provides roadside assistance even if policy doesn’t include coverage

Cons

• Available only to military members and their families

• Above-average NAIC complaint index^[3]

• No local office in Benton

Best insurer for families: GEICO

families

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User Reviews	4.0 7,296 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$65/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$127/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 15,145 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (7,296)

Lynn

Verified Review

Shop Around

Reviewed in Washington on February 12, 2026

So far, so good. Better rates than Geico.

Milton

Verified Review

Bueno

Reviewed in New Jersey on February 12, 2026

La mejor compañía

Preyaa

Verified Review

Superb

Reviewed in Washington on February 12, 2026

It was very easy to communicate with customer care. It covers rental cars if we take one while traveling and also covers guests.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO is a great choice for families in Benton, Arkansas. The business offers a variety of discounts, including savings of up to 15% for good students, 25% for insuring more than one car, and options to lower costs for taking driver training and practicing safe driving habits. This makes GEICO a go-to option for the 76,764 drivers younger than 20 in Arkansas.

You can personalize coverage with products like emergency road service and mechanical breakdown insurance. But personalized help is hard to find — the closest GEICO insurance agent is in Little Rock.

Pros

• Highly rated mobile app for Android and Apple^[6]

• Below-average NAIC complaint index^[3]

• Homeowners insurance and umbrella policies available for more protection

Cons

• No local agents in Benton

• Good driver discount requires five years accident-free

• Gap insurance not available

How to get the cheapest car insurance in Benton

Insurers consider your driving history, vehicle type, gender, marital status, and even your credit history when quoting your coverage. Some of these factors are outside of your control, but you can lower your car insurance rates by following these tips:

• Don’t just take the first quote you receive. Shop around and compare quotes from different insurance companies to find the best rate for you.

• Boost your deductible. Policy changes to increase your deductible can lower your premiums, but be sure your deductible is an amount you can comfortably pay in case you need to file a claim.

• Personalize your policy. Only buy coverage that fits your specific needs rather than paying for a “one-size-fits-all” policy.

• Ask for discounts. Explore all available discounts from your insurer. For instance, Arkansas requires discounts to be available for college graduates, people older than 55, and people who take defensive driver courses.

• Stay safe behind the wheel. A clean driving record can lead to lower rates, protecting you on the road and protecting your finances.

Find Cheap Car Insurance in Benton, Arkansas

Liability rates start at $43 per month

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Cheapest liability-only car insurance in Benton: State Farm

Liability-only car insurance is the most basic form of auto coverage. It protects other drivers and their property if you’re at fault in an accident, paying for the cost of injuries or damages you cause. It’s important to note that liability-only insurance doesn’t cover damage to your own car or medical expenses if you’re hurt. It also doesn’t cover the costs associated with theft, vandalism, or natural disasters.

With an average cost of $87 per month, liability coverage is a cost-effective option for Benton drivers, and the table below shows Benton’s cheapest options for liability insurance.

The below rates in Benton, AR, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$43
Progressive	$49
USAA	$53
Root	$64
GEICO	$65
Auto-Owners	$73
National General	$78
Safeco	$80
GAINSCO	$81
Direct Auto	$83
Shelter	$95
Allstate	$96
Nationwide	$97
Farmers	$97
Travelers	$102
The General	$103
Dairyland	$105
Bristol West	$125
Liberty Mutual	$141

Disclaimer: Table data sourced from real-time Benton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Benton may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Benton: State Farm

Full coverage bridges the gap where liability coverage stops short. A full-coverage policy includes collision and comprehensive insurance, protecting your vehicle from collisions with other cars, vandalism, theft, natural disasters, and more.

This type of coverage is especially beneficial for drivers with newer or higher-value cars, people with outstanding auto loans, or anyone looking for extra peace of mind on the road.

With an average premium of $134, full coverage is pricier than liability. But rates can vary by insurance agency, as you’ll see in the table below.

The below rates in Benton, AR, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$84
USAA	$102
Progressive	$107
Root	$122
GEICO	$127
Auto-Owners	$142
National General	$145
Safeco	$150
Direct Auto	$150
Shelter	$184
Allstate	$186
Nationwide	$188
Farmers	$188
GAINSCO	$194
Travelers	$199
Liberty Mutual	$215
The General	$233
Dairyland	$266
Bristol West	$311

Disclaimer: Table data sourced from real-time Benton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Benton may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Arkansas

Arkansas laws have a few specific rules you should know about. First, if you’re in a car accident, you have a three-year window to file a lawsuit for any injuries you might have from it.^[7] The state also has a “modified comparative fault” rule. This means you can get financial recovery in a lawsuit if you’re less at fault than the other driver.

To drive legally, you must carry a minimum amount of auto insurance coverage. Arkansas requires a 25/50/25 policy for bodily injury and property damage liability, as outlined in the table below:^[8]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000

While basic insurance covers the essentials, several coverage options are available that offer additional layers of protection. Here are some you might consider:

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage provides protection if you’re in an accident with a driver who either lacks insurance or doesn’t have enough coverage.

• 

  Collision coverage

  Collision insurance pays for damages to your car resulting from an accident with another vehicle, no matter who’s at fault.

• 

  Comprehensive coverage

  Comprehensive insurance offers financial protection against non-collision incidents like theft, vandalism, or natural disasters.

• 

  Medical payments coverage

  Medical payments coverage pays for medical or funeral expenses from an accident, regardless of who’s at fault.

• 

  Personal injury protection (PIP) coverage

  Personal injury protection insurance covers medical expenses and sometimes lost wages and other damages.

• 

  Rental reimbursement coverage

  Rental car coverage helps pay for the expense of renting a car while yours is in the shop after a covered accident.

• 

  Roadside assistance coverage

  Roadside assistance coverage provides services like towing and flat-tire changes if your car breaks down.

Cheapest car insurance for drivers with an incident

If you have an incident on your record, such as an at-fault accident, speeding ticket, driving under the influence citation, or another moving violation, finding cheap car insurance can be more difficult.

Auto insurance companies use your driving history to gauge how likely you are to file a claim in the future, and incidents generally suggest a higher probability of your filing future claims. But it’s possible to find reasonable rates, even with a blemished driving record.

The table below illustrates how different driving incidents can affect the rates you pay in Benton.

The below rates in Benton, AR, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
State Farm	$43	$55	$56	$62
Progressive	$49	$62	$63	$69
USAA	$53	$69	$70	$77
Root	$64	$85	$84	$93
GEICO	$65	$85	$83	$93
Auto-Owners	$73	$95	$95	$106
National General	$78	$97	$102	$113
Safeco	$80	$106	$110	$124
GAINSCO	$81	$97	$102	$117
Direct Auto	$83	$104	$112	$120
Shelter	$95	$126	$126	$137
Allstate	$96	$125	$127	$139
Nationwide	$97	$126	$129	$140
Farmers	$97	$124	$127	$140
Travelers	$102	$132	$135	$147
The General	$103	$138	$140	$149
Dairyland	$105	$131	$137	$152
Bristol West	$125	$157	$162	$181
Liberty Mutual	$141	$180	$185	$204

Disclaimer: Table data sourced from real-time Benton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Benton may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Car insurance costs can vary widely by age. For instance, teen drivers pay steeper premiums due to their lack of driving experience and higher risk of accidents. As drivers mature, rates tend to decrease. 

A significant drop happens around age 35, but rates typically climb again for drivers age 70 and older. Senior drivers have a higher crash death rate, according to the Centers for Disease Control and Prevention (CDC).^[9]

To get an idea of how car insurance costs can change as you age, consider the data below.

Age	Average Monthly Quote
Teens	$456
20s	$304
30s	$223
40s	$198
50s	$172
60s	$159
70s	$177

Disclaimer: Table data is based on real-time Benton quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Benton car insurance quotes by credit tier

Your credit history can influence how much you pay for auto insurance. Insurers are allowed to consider your credit history when deciding to issue or renew a policy, as well as how much to charge. The Federal Fair Credit Reporting Act even lets insurers review your credit history without your permission.

Companies link credit scores to the likelihood of filing claims. As a result, higher credit scores can lead to lower premiums, while poor credit scores can hike up your car insurance bill. The table below shows what you might pay based on your credit tier in Benton.

Benton car insurance FAQs