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How much is car insurance in Bentonville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Bentonville are in line with rates across the rest of Arkansas.
On the other hand, car insurance rates in Bentonville are often favorable when viewed against the rest of the country. The average monthly payment for the U.S. as a whole is about $15 more expensive than in Bentonville.
While these are the average car insurance rates for Bentonville, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Bentonville to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up a bit in Bentonville.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The price for car insurance in Bentonville, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Bentonville with a single accident will pay around $112 a month. Likewise, drivers with one ticket will be looking at a rate of around $82 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$64|
If you look at the first table above, the cheapest vehicles to insure in Bentonville are usually SUVs and cars, at $66 per month.
SUV owners will see rates of about $66, while truck and van owners by and large pay around $69 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. 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)||$69|
Overall, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Bentonville is about $14 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $2 a month less than those who own their own home in Bentonville. But those who live at home with their parents can expect to pay significantly 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 overall costs.
Car Insurance Companies in Bentonville, AR
Recent trends in car insurance for Bentonville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Bentonville, the rates for car insurance declined from 2017-2018, when they reached a low of $41, but began to increase from 2019-2020. They finished up in 2022, at $89.
How does Bentonville compare to neighboring areas?
Why are car insurance rates in Bentonville different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Frequency of car accidents
- Crime rates
- Off-street parking availability
- Local regulations
- Number of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Bentonville?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Bentonville.
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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 age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Bentonville different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Bentonville?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bentonville?
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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bentonville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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