Cheap Auto Insurance Quotes in Benton, AR (2021)

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Nearly 40,000 people call Benton home; this suburb of Little Rock features a wealth of historic sites along with beautiful nature parks. A major freeway traverses the city and makes it easy to reach nearly any destination, although surface streets require a bit more attention. Benton is home to many roundabouts, and while these statistically reduce the number of accidents, they can be difficult to manage if you don’t know how they work. It’s always wise to have great car insurance before you drive, even in a stress-free area like Benton.

Car Insurance in Benton, AR

The average cost of Arkansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Benton, AR to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$69
$85
$109
$162
$245
State FarmAllstateNationwideDirect AutoThe General
Monthly $

Cheapest Car Insurance in Benton, AR

Here are the cheapest carriers in Benton for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Benton, AR

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Benton. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$153
$190
$150
$138
$130
$155
ArkansasLittle RockFort SmithFayettevilleSpringdaleBenton
Monthly $

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Benton, AR Driving Facts

arkansas

Minimum Car Insurance Requirements in AK

Arkansas' minimum liability auto insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Benton Car Insurance Rates by Driver Age

How many teenagers can afford a car insurance payment of $513 per month? Arkansans get lower car insurance prices as they increase the number of years behind the wheel. So young adults in their 20s see an immediate $200 price cut over the teens’ monthly cost. From there, the rates go lower, with almost all age groups spending less than the state average of $210. Those in their 60s get the best deal, with a premium that’s over $350 cheaper than what the youngest drivers pay.

Driving History
No Violation$220
Speeding Ticket$295
At-Fault Accident$307
Failure to Stop for Red Light / Stop Sign$220

Benton Car Insurance Rates by Driving and Accident History

In the Natural State, safety pays dividends in more ways than one. Residents ride with the peace of mind defensive driving provides, and insurance companies reward responsible motorists with “good driver” and “accident-free” discounts. Why do drivers with a failure-to-stop violation pay the least? Often, drivers with violations buy bare-bones policies and choose liability only, skipping comprehensive and collision coverage. Worst of all, an at-fault accident pops the rate up over $80 per month, or $960 a year. Luckily,with three years of careful driving, tickets and accidents stop affecting your premiums.

Benton Car Insurance Rates by Credit Tier

Arkansas drivers have wondered for years just how credit relates to driving. State law allows insurance companies to set the rates based on driver credit. Generally, people with better credit pay the least. In Benton, why might those with good credit pay less than people with excellent credit? Drivers with better credit can finance costlier cars and buy more coverage to protect their assets. Regardless, moving from poor to good credit saves $50 per month, or $600 per year.

Benton, AR DMV Information

If you work a full-time job, accessing DMV services in Benton can be challenging. The city has one office to serve residents with operating hours from 8 a.m. to 4:30 p.m. Monday through Friday. Anyone needing to take a driving test can visit a separate location, although its business hours are the same. Benton’s DMV office rarely sees long waiting times, and most say that the staff is knowledgeable and friendly.

Public Transportation in Benton, AR

Figuring out your transportation options without a vehicle can be a bit of an arduous task in Benton. While the city does operate a public bus system called SCAT, it’s difficult to locate route information. Many people prefer the more private option of using Uber or Lyft, although SCAT does offer reduced fares regardless of income.

Conclusion: How to get the best and cheapest car insurance in Benton, AR

The city of Benton takes the safety of its residents seriously and has integrated features that help make it easier on the road. Those not familiar with roundabouts should take the time to learn how they work, as not knowing how to navigate them can be dangerous. Motorists who frequent Benton’s streets should enroll in adequate car insurance just in case an accident does occur.

Rather than spend time comparing car insurance prices from various company websites, you can see multiple quotes at once using Insurify. Simply answer a few simple questions, and you’ll be able to determine which combination of policy features is right for you. Save time and save money with Insurify!

Find local Benton agents

The Maples Insurance Agency
203 Lillian, Benton, AR 72015
Carter Insurance Agency, Inc.
1352 Salem Road, Benton, AR 72019
Roberson & Associates Insurance,Inc.
315 N Market St, Benton, AR 72015
James Insurance Agency, Inc
114 E. Conway St, Benton, AR 72015
NFP Property & Casualty Services Inc
1306 Military Road, Benton, AR 72015-3757
Donnell Insurance Agency - Nationwide Insurance
2719 Cody Rd, Benton, AR 72015
'Rena'' Gilliam: Allstate Insurance'
1211 Ferguson Dr, Benton, AR 72015
Leonard Towell - State Farm Insurance Agent
1209 AR-35, Benton, AR 72019
DJ Motley - State Farm Insurance Agent
105 N East St, Benton, AR 72015
State Farm: Dennia Beard
1408 Military Rd, Benton, AR 72015

Insurify Insights: How Benton Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Benton, AR
suspended licenses
#29
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Benton drivers measure up to their fellow Arkansas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Benton

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Benton drivers rank 10 in the number of car accidents per driver across all cities in Arkansas.

  • Rank within state: #10
  • Percent of drivers in Benton with an accident: 10.25%
  • Drivers in Benton, AR with an accident in their driving history paid on average 54.12% more than drivers with a clean record

Speeding Benton

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arkansas, Benton drivers rank 36 in the number of speeding infractions per driver.

  • Rank within state: #36
  • Percent of drivers in Benton with a speeding ticket: 6.63%
  • Drivers in Benton, AR with a speeding ticket in their driving history paid on average 58.24% more than drivers with a clean record

DUI/DWIs Benton

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Benton drivers rank 12 in the number of DUI’s per driver across all cities in Arkansas.

  • Rank within state: #12
  • Percent of drivers in Benton with a DUI: 2.25%
  • Drivers in Benton, AR with a DUI in their driving history paid on average 23.53% more than drivers with a clean record

Most Popular Vehicle Benton

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Benton is the Ford F-Series Pickup.

Rude Benton

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arkansas, Benton drivers rank 19 in rude driving infractions.

  • Rank within state: #19
  • Percent of drivers in Benton with a reckless driving violation: 0.75%
  • Drivers in Benton, AR with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers Benton

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Benton drivers rank 7 in clean driving records across all cities in Arkansas.

  • Rank within state: #7
  • Percent of drivers in Benton with clean record: 83.5%

Failure to Yield the Right of Way Benton

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Benton drivers rank 19 in failure to yield violations per driver across all cities in Arkansas.

  • Rank within state: #19
  • Percent of drivers in Benton with a failure to yield violation: 0.13%
  • Drivers in Benton, AR with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Benton

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arkansas, Benton drivers rank 18 in the number of reckless driving offenses per driver.

  • Rank within state: #18
  • Percent of drivers in Benton with a reckless driving offense: --%

FAQs - Benton, AR Car Insurance

Are there penalties for driving in Benton without auto insurance?

Some states are very strict when it comes to enforcing insurance laws, yet Arkansas isn’t one of them. If you’re caught driving without insurance, you’ll be charged a fine that ranges from $50 to $250, and you may have your license plates revoked. Drivers have 10 days to provide proof of coverage to reclaim their plates and have their fine waived.

If I drive in Benton, how much car insurance do I need?

To be compliant with state regulations, Benton residents must have $25,000 for bodily injury and $25,000 for property damage protection. Additional options may be needed based on your driving habits.

Is car insurance cheap in Benton?

Drivers here tend to pay only slightly more than the national average for auto coverage. If you’re looking for the best rates on a new policy, visit Insurify today to compare real-time quotes from multiple carriers.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.