Cheap Auto Insurance Quotes in Benton, AR (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Benton, AR Driving Facts

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
arkansas

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.

Driver's AgeAvg. Monthly Cost
teens$514
20s$308
30s$191
40s$180
50s$212
60s$152
70s$182
80s$199
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$215
Good$199
Average$242
Poor$248

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!

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Benton stacks up for the state of Arkansas:

ford
Ford F-Series Pickup
Most Popular Car in
Benton, AR
suspended licenses
#10
Cities with Most
Suspended Licenses Rank

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.