3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Updated November 20, 2024
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Table of contents
At an average of $198 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 $154 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.
State Farm, USAA, and GEICO offer the cheapest car insurance rates in Benton.
Benton drivers pay $132 per month for liability coverage and $264 per month for full-coverage insurance, on average.
Full-coverage insurance costs Benton drivers an average of $3,174 per year.
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 | $61 | $30 | Low rates |
USAA | 9.4 | $75 | $36 | Military members |
GEICO | 9.0 | $93 | $45 | Families |
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 28,000 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
User Reviews | 4.2 |
---|---|
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. | $31/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. | $64/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
Ronald
November 18, 2024
Very Expensive Auto and Home
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.
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
User Reviews | 4.9 |
---|---|
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. | 9.4 /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. | $37/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. | $78/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
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.
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
Available only to military members and their families
Above-average NAIC complaint index[3]
No local office in Benton
Best insurer for families: GEICO
User Reviews | 4.0 |
---|---|
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. | 9.0 /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. | $47/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. | $96/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
James
November 19, 2024
Unsatisfactory Experience with Geico
Edward
November 18, 2024
Experience with Geico
Chris
November 18, 2024
Poor
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.
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.
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 $132 per month, liability coverage is a cost-effective option for Benton drivers, and the table below shows Benton’s cheapest options for liability insurance.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $31 |
USAA | $37 |
GEICO | $47 |
Auto-Owners | $53 |
Allstate | $68 |
Shelter | $68 |
Farmers | $69 |
Nationwide | $69 |
Root | $73 |
Progressive | $74 |
Travelers | $74 |
Safeco | $76 |
National General | $97 |
GAINSCO | $102 |
Dairyland | $103 |
Liberty Mutual | $131 |
The General | $136 |
Bristol West | $150 |
Direct Auto | $192 |
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 $264, full coverage is pricier than liability. But rates can vary by insurance agency, as you’ll see in the table below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $64 |
USAA | $78 |
GEICO | $96 |
Auto-Owners | $109 |
Root | $125 |
Safeco | $139 |
Shelter | $142 |
Allstate | $143 |
Farmers | $144 |
Nationwide | $144 |
Travelers | $152 |
Progressive | $153 |
National General | $175 |
GAINSCO | $227 |
Dairyland | $255 |
Liberty Mutual | $279 |
The General | $287 |
Bristol West | $385 |
Direct Auto | $426 |
Cheapest recent rates near Benton, Arkansas
Recent Benton, Arkansas car insurance prices for Ford, Dodge, Nissan , and more.
*Quotes generated for Insurify users in and around Benton, Arkansas within the last 10 days. Last updated on November 20, 2024
*Quotes generated for Insurify users in and around Benton, Arkansas within the last 10 days. Last updated on November 20, 2024
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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
State Farm | $31 | $41 | $43 | $52 |
USAA | $37 | $49 | $52 | $62 |
GEICO | $47 | $62 | $66 | $79 |
Auto-Owners | $53 | $71 | $74 | $89 |
Allstate | $68 | $90 | $95 | $114 |
Shelter | $68 | $93 | $99 | $114 |
Farmers | $69 | $91 | $96 | $116 |
Nationwide | $69 | $92 | $97 | $116 |
Root | $73 | $103 | $109 | $110 |
Progressive | $74 | $97 | $104 | $124 |
Travelers | $74 | $99 | $104 | $124 |
Safeco | $76 | $102 | $105 | $119 |
National General | $97 | $129 | $135 | $163 |
GAINSCO | $102 | $145 | $136 | $171 |
Dairyland | $103 | $136 | $142 | $173 |
Liberty Mutual | $131 | $186 | $194 | $220 |
The General | $136 | $183 | $193 | $229 |
Bristol West | $150 | $200 | $209 | $252 |
Direct Auto | $192 | $254 | $273 | $323 |
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 |
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.
Rates by Credit Tier
Benton car insurance FAQs
Looking for more information to help you find the most affordable rates in Benton? Consult the answers below.
How much is car insurance in Benton?
The average rate for liability car insurance in Benton is $132, and the average rate for full-coverage car insurance is $264. Keep in mind your rates may be higher or lower based on your driving history, credit, gender, age, and more.
Which company has the cheapest car insurance in Benton?
State Farm offers the cheapest rates in Benton, starting at $31 per month. USAA and GEICO also offer affordable coverage, with respective monthly liability rates of $37 and $47.
What are the best car insurance companies in Benton?
State Farm, USAA, and GEICO rank as three of the top insurers in Benton. Each of these national insurers is known for its financial stability, customer service, low rates, and discounts.
Keep in mind the best insurer in Benton for you may be another company. That’s why it’s important to compare quotes from several insurers to find the best policy for you.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Arkansas
Sources
- IIHS. "Fatality Facts 2021 State by state."
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- NAIC. "Results by Complaint Index."
- State of Arkansas House of Representatives. "Veterans in Arkansas."
- J.D. Power. "Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds."
- Google Play. "GEICO Mobile."
- NOLO. "Arkansas Car Accident Laws."
- Arkansas Insurance Department. "Consumers FAQ."
- CDC. "Older Adult Drivers."
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in