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 7,176 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.	$86/mo

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Driver Reviews

4.0

Best choice in Benton, ARBased on 15,788 verified driver 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 in Benton 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 in Benton for

Customer service

Competitive rates

Discounts for safe drivers

Showing 20 Arkansas reviews for Benton drivers - See all 7,176 State Farm reviews

Christopher

Verified Review

I have no wrecks and no tickets.

Reviewed in Arkansas on February 16, 2026

$200 is way too much for someone with a clean driving record.

William

Verified Review

Shop and Save

Reviewed in Arkansas on January 28, 2026

Insured with State Farm for 50 years, and they sell what makes them the most. The price is too high.

Debra

Verified Review

Two on disability, one on limited retirement funds, one working at Walmart!

Reviewed in Arkansas on January 11, 2026

I have not had to make a claim yet, but in the three years we have lived in Arkansas, our car insurance has been terribly high. We also have homeowners insurance. It has gone up so high that we are reaching the point of having it pulled way back to about nothing. I have a really hard time believing that both of these are appropriate. I have seen our insurer's new office. It is ridiculously fancy. While we struggle out here, the prices just keep going up. It greatly saddens me that they are this way.

James

Verified Review

Stay away from State Farm!

Reviewed in Arkansas on January 8, 2026

Stay clear of State Farm! The agent never contacts you when you have a problem, and rates continue to rise with no accidents or claims.

Stanley

Verified Review

Total Dissatisfaction

Reviewed in Arkansas on December 8, 2025

The payment goes up every month on a six-month service. It's ridiculous.

Douglas

Verified Review

Good

Reviewed in Arkansas on November 23, 2025

Rather expensive.

Tina

Verified Review

Price

Reviewed in Arkansas on November 23, 2025

It's too high.

Altha

Verified Review

Good insurance, but expensive

Reviewed in Arkansas on October 16, 2025

You'll pay a high price for your policy.

Kevin

Verified Review

Excellent

Reviewed in Arkansas on September 29, 2025

They are really friendly and try to help you as best they can.

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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 1,477 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.	$52/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.	$103/mo

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Driver Reviews

4.9

Best choice in Benton, ARBased on 3,128 verified driver 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 in Benton 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 in Benton for

Members of the military community

Outstanding customer service

Competitive rates

Showing 6 Arkansas reviews for Benton drivers - See all 1,477 USAA reviews

Renae

Verified Review

Excellent

Reviewed in Arkansas on March 3, 2026

Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.

Ida

Verified Review

Rate Increases

Reviewed in Arkansas on January 9, 2026

I have never filed a claim, but the rates just keep going up.

Ida

Verified Review

USAA

Reviewed in Arkansas on December 23, 2025

No claims, yet the price continues to climb.

Leslie

Verified Review

Shopping for better rates

Reviewed in Arkansas on November 30, 2025

Started out good, then prices started to increase. After an at-fault accident, my premium went through the ceiling. Haven't had any claims. Looking for a better rate.

Rick

Verified Review

Great company, but seems a little pricey

Reviewed in Arkansas on October 10, 2025

Great experience, except for the pricing. Two vehicles, both Liability Only minimum policies, one minor incident (hit by another vehicle, no injuries, 2 years and 10 months ago) still almost $100 for coverage with low yearly mileage.

Shandra

Verified Review

Helpful in Difficult Times

Reviewed in Arkansas on March 21, 2025

When I was 22, I was hit by a drunk driver. They assisted me in overcoming that difficult situation.

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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

Compare Quotes

User Reviews	4.0 7,420 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.	$64/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.	$128/mo

Show Details

Driver Reviews

4.0

Best choice in Benton, ARBased on 16,013 verified driver 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 in Benton 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 in Benton for

Teen drivers

Cheap rates

Accident forgiveness

Showing 8 Arkansas reviews for Benton drivers - See all 7,420 GEICO reviews

Brent

Verified Review

Geico isn't great

Reviewed in Arkansas on February 25, 2026

Geico has been steadily raising our rate, and we have no accidents or tickets. I went to switch to Progressive, who saved me a considerable amount of money, but when my wife got on with Geico to cancel, they said we were on an old system and she could beat Progressive by $100. My wife said yes, and we are paid for the year. I would have happily paid Progressive the extra $100 to get away from Geico.

Belinda

Verified Review

Insurance rates not as cheap as you think

Reviewed in Arkansas on February 12, 2026

I was late on my payment, and that caused it to at least double. I'm on a fixed income, so coming up with more money for insurance is just not in my budget.

Teresa

Verified Review

Geico Insurance is the Best

Reviewed in Arkansas on December 9, 2025

My advice to anyone considering Geico is that they are a great insurance company.

James

Verified Review

I have had very good luck with my current insurance company. I do not wish to change.

Reviewed in Arkansas on November 20, 2025

Very good experience, helpful, and knowledgeable about the product.

Judie

Verified Review

Terrible. They cut my insurance off because they emailed me asking for documents to prove that someone did not drive my car. I am 65 and since retired, I don't check my emails regularly. There was no contact by mail or phone. I was driving around with no insurance and didn't know it. The person they needed information on lives three and a half hours away and owns the house I live in.

Reviewed in Arkansas on October 14, 2025

Terrible. They cut my insurance off because they emailed me asking for documents to prove that someone did not drive my car. I am 65 and since retired, I don't check my emails regularly. There was no contact by mail or phone. I was driving around with no insurance and didn't know it. The person they needed information on lives three and a half hours away and owns the house I live in.

Mary

Verified Review

Love Geico

Reviewed in Arkansas on October 5, 2025

I really like this company. They've been really good to me.

Jana

Verified Review

I Dislike Geico

Reviewed in Arkansas on October 4, 2025

If you have an accident claim, you better hope you have video footage of every second. We got hit from behind and the person fled the scene. I hit the person in front of me, and they didn't have damage, so they left. There was nothing I could do. I hadn't even thought about taking photos yet. It took 4 months for them to come to an arrangement for us and ended up telling me that they don't believe someone hit us from behind, so they weren't covering that damage. And since I hit the person in front of me from the impact, I now have an "At fault" accident on my record. The claims people were hard to get a hold of. If I mentioned getting a lawyer, they'd respond quickly. Yes, they have cheap monthly payments, but that's because they won't pay out if you have an accident.

Susan

Verified Review

Switch today to GEICO!

Reviewed in Arkansas on September 28, 2025

Hunter Mays at the Bentonville, AR local office is thorough, kind, and gets the job done quickly. Thank you, Hunter.

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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: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$43
USAA	$52
GEICO	$64
National General	$66
Root	$67
Auto-Owners	$73
Safeco	$80
GAINSCO	$83
Direct Auto	$83
Shelter	$93
Allstate	$95
Nationwide	$96
Farmers	$96
The General	$101
Travelers	$101
Dairyland	$106
Bristol West	$125
Liberty Mutual	$137

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: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$86
USAA	$103
Root	$122
GEICO	$128
National General	$141
Direct Auto	$143
Auto-Owners	$145
Safeco	$146
Shelter	$187
Allstate	$190
Nationwide	$191
Farmers	$192
GAINSCO	$199
Travelers	$201
Liberty Mutual	$206
The General	$232
Dairyland	$269
Bristol West	$305

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: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
State Farm	$43	$55	$56	$61
USAA	$52	$67	$69	$74
GEICO	$64	$84	$82	$91
National General	$66	$82	$87	$94
Root	$67	$89	$88	$96
Auto-Owners	$73	$95	$95	$104
Safeco	$80	$106	$111	$122
GAINSCO	$83	$99	$105	$118
Direct Auto	$83	$104	$112	$118
Shelter	$93	$124	$124	$134
Allstate	$95	$124	$126	$135
Nationwide	$96	$125	$128	$137
Farmers	$96	$123	$126	$137
The General	$101	$135	$138	$144
Travelers	$101	$131	$134	$144
Dairyland	$106	$132	$138	$151
Bristol West	$125	$157	$163	$178
Liberty Mutual	$137	$175	$180	$195

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