Table of contents
How much is car insurance in Bentonville?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Bentonville are about the same as the rest of Arkansas.
Compared to the rest of the country, auto insurance in Bentonville is more affordable. You can expect to pay about $15 less for your policy in Bentonville than in the rest of United States.
Although these are the average rates for auto insurance in Bentonville, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Bentonville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times the price that 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, you may see your rates climb back up in Bentonville.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Bentonville, where female drivers pay around $14 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Bentonville with a single accident will pay around $132 a month. Likewise, drivers with one ticket will be looking at a rate of around $110 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$62|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Bentonville, with drivers paying around $41 per month for insurance coverage.
SUV drivers will see rates of about $69, while the rates for car owners average out to about $66 a month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Bentonville, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Bentonville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$131|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $5 less than homeowners in Bentonville. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Bentonville, AR
Recent trends in car insurance for Bentonville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The cost of car insurance coverage in Bentonville had been increasing from 2016-2017, before steadying out in 2018. They rose again, hitting a high of $76 in 2020, and finished down at $52 in 2021.
How does Bentonville compare to neighboring areas?
Why are car insurance rates in Bentonville different from other areas?
Car insurance companies will take into account several factors when choosing how much to charge for a policy. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Amount of off-street parking
- Rate of car accidents
- Total drivers
- Local crime rates
- Area regulations
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 Bentonville?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Bentonville.
Bentonville Insurance FAQs
What factors affect car insurance quotes in Bentonville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Bentonville different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Bentonville?
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 Bentonville?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Bentonville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.