Cheap Auto Insurance Quotes in Benton, AR (2023)

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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• Cheap Car Insurance Arkansas

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Cheapest Car Insurance in Benton, AR

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in Benton. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Arkansas

All motor vehicles operated or parked on Arkansas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Arkansas^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arkansas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the 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.

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.

See More:

• High-risk Car Insurance Arkansas

• DUI Car Insurance Arkansas

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.

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Find local Benton agents

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.

For more detailed Arkansas city level guides, check out these below.

• Average Cost of Car Insurance Rates in Arkansas

• DUI Car Insurance Rates in Arkansas

• High-Risk Driver Car Insurance Rates in Arkansas

• Arkansas Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Arkansas

• SR-22 Insurance in Arkansas

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!

FAQs - Benton, AR Car Insurance