Benton, AR Car Insurance

Residents of Benton pay, on average, about $66 per month for car insurance. We cover plan rates, policies and more in our guide below.
How does Benton stack up to the rest of the area, or even Arkansas as a whole? What rates can residents of Benton expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Benton?

Area Average Monthly Car Insurance Premium
Benton$66
AR$62
United States$80

As you can tell from the chart above, the cost of coverage in Benton is about $4 a month more expensive than the rest of Arkansas.

Drivers relocating from out of state may enjoy some cost savings in Benton. It's about $14 cheaper than the national average to insure your vehicle in Benton.

Bear in mind that while these rates are the average costs for drivers in Benton, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

But don't worry, we've broken down the average rates for Benton residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$104
25-34$66
35-44$68
45-54Not Enough Data
55-64$59
65+$53

It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay $51 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Benton.

Average Car Insurance Rates by Gender

Gender Average
Male$69
Female$64

On average, female drivers pay slightly less than male drivers for car insurance. This is true in Benton, where male drivers pay about $5 more per month. As illustrated in the table above, female drivers in the area pay about $64 on average, while male drivers pay around $69 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$71
1 Ticket$87
Multiple Tickets$121

Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Benton, a driving record with a single accident will usually get you a rate around $88 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $87 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$50
2-3 Years$43
4-5 Years$52
6-7 Years$62
8-10 Years$70
11-14 Years$69
15 Years or Older$64

The cheapest vehicles to insure in Benton are by and large trucks and vans, with each type typically costing about $56 per month.

Car owners can expect to pay an average of around $70 a month for their policy, while SUVs usually cost around $59 a month to insure.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is about 5 years old. The most expensive vehicles to insure in Benton are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$68
Married$73
Divorced$50
Widowed$52

On average, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Benton, with married couples paying about $5 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$60
Rent$68
Live with parents$74

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Benton. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Benton, AR

Recent trends in car insurance for Benton drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Benton, auto insurance rates had been increasing from 2016-2018, when they hit a high of $74. This pattern shifted in 2019, when they began to decrease, and have continued to do so through the present -- when rates reached a low of $59 a month.

How does Benton compare to neighboring areas?

Why are car insurance rates in Benton different from other areas?

Car insurance companies take in a variety of factors when choosing how much individual insurance policies will cost. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Total number of drivers
  • Frequency of car accidents
  • Access to off-street parking
  • Area laws
  • Local crime rates

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Benton?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering policies in Benton.

Compare the cheapest quotes from dozens of insurance companies

Benton Insurance FAQs

What factors affect car insurance quotes in Benton?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Benton different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Benton?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Benton?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Benton or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes