Buy Cheap Benton, KY Auto Insurance in 2024
Benton, KY auto insurance rates average $336 a month. Minimum auto insurance requirements in Benton, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Benton, KY, compare Benton auto insurance quotes from top companies.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Jun 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Benton, KY are $336/month
- The most expensive auto insurance company in Benton after a DUI is Travelers
- The most expensive auto insurance company in Benton is Allstate
Finding affordable Benton, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Benton, KY auto insurance with confidence is right here. Auto insurance rates in Benton are affected by local factors as well as personal ones like your driving record.
See how Benton, KY car insurance rates compare to Richmond auto insurance rates, Hopkinsville auto insurance rates, and Independence auto insurance rates before you read more about the cost of auto insurance in Benton.
Don’t buy Benton, KY auto insurance until you’ve compared rates. Get free Benton, Kentucky auto insurance quotes when you enter your ZIP code above.
Table of Contents
Benton, KY Minimum Auto Insurance Requirements
The required auto insurance in Benton, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Benton, Kentucky is outlined here.
Minimum Required Auto Insurance Coverage in Benton, Kentucky
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Benton, KY Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Benton, KY. Take a look at Benton, Kentucky auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Benton, Kentucky
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,025 | $4,854 | $4,060 |
| Geico | $6,223 | $3,107 | $2,025 |
| Liberty Mutual | $6,394 | $3,920 | $3,106 |
| Nationwide | $4,672 | $3,666 | $3,197 |
| Progressive | $4,504 | $3,908 | $3,635 |
| State Farm | $4,573 | $2,765 | $2,159 |
| Travelers | $5,693 | $4,813 | $4,793 |
| USAA | $3,862 | $2,154 | $1,754 |
Buy Cheap Benton, KY Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Benton, Kentucky auto insurance rates? Find out how car insurance rates in Benton, KY are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Benton, Kentucky
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,086 | $3,069 | $2,770 | $2,957 | $11,059 | $12,426 | $3,460 | $3,676 |
| Geico | $3,087 | $2,859 | $3,218 | $2,914 | $6,168 | $7,329 | $2,524 | $2,185 |
| Liberty Mutual | $2,528 | $2,745 | $2,158 | $2,412 | $9,748 | $10,787 | $2,647 | $2,762 |
| Nationwide | $2,787 | $2,798 | $2,519 | $2,640 | $6,037 | $7,550 | $3,132 | $3,296 |
| Progressive | $1,977 | $1,892 | $1,761 | $1,779 | $9,275 | $10,479 | $2,450 | $2,512 |
| State Farm | $1,954 | $1,954 | $1,748 | $1,748 | $5,875 | $7,415 | $2,179 | $2,449 |
| Travelers | $2,210 | $2,251 | $2,161 | $2,167 | $10,394 | $16,625 | $2,306 | $2,682 |
| USAA | $1,757 | $1,772 | $1,580 | $1,623 | $4,521 | $4,786 | $2,227 | $2,454 |
Buy Cheap Benton, KY Auto Insurance for Teen Drivers
Auto insurance for teenagers in Benton can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Benton, KY are listed here.
Annual Auto Insurance Rates for Teen Drivers in Benton, Kentucky
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,059 | $12,426 |
| Geico | $6,168 | $7,329 |
| Liberty Mutual | $9,748 | $10,787 |
| Nationwide | $6,037 | $7,550 |
| Progressive | $9,275 | $10,479 |
| State Farm | $5,875 | $7,415 |
| Travelers | $10,394 | $16,625 |
| USAA | $4,521 | $4,786 |
Buy Cheap Benton, KY Auto Insurance for Seniors
You can save on senior auto insurance rates in Benton, Kentucky by comparing Benton senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Benton, KY here.
Annual Auto Insurance Rates for Senior Drivers in Benton, Kentucky
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,770 | $2,957 |
| Geico | $3,218 | $2,914 |
| Liberty Mutual | $2,158 | $2,412 |
| Nationwide | $2,519 | $2,640 |
| Progressive | $1,761 | $1,779 |
| State Farm | $1,748 | $1,748 |
| Travelers | $2,161 | $2,167 |
| USAA | $1,580 | $1,623 |
Find Cheap Auto Insurance Rates in Benton, KY by Coverage Level
The amount of coverage you choose is a big factor in the cost of Benton, Kentucky auto insurance. Compare Benton, KY auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Benton, Kentucky
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,992 | $5,295 | $5,652 |
| Geico | $3,558 | $3,767 | $4,031 |
| Liberty Mutual | $4,268 | $4,446 | $4,706 |
| Nationwide | $3,908 | $3,801 | $3,826 |
| Progressive | $3,740 | $3,974 | $4,333 |
| State Farm | $2,991 | $3,161 | $3,345 |
| Travelers | $4,861 | $5,126 | $5,312 |
| USAA | $2,475 | $2,584 | $2,710 |
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Find Cheap Benton, KY Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Benton. Compare auto insurance rates in Benton, KY by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Benton, Kentucky
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,313 | $5,313 |
| Geico | $3,750 | $3,821 |
| Liberty Mutual | $4,473 | $4,473 |
| Nationwide | $3,845 | $3,845 |
| Progressive | $4,016 | $4,016 |
| State Farm | $3,090 | $3,241 |
| Travelers | $5,100 | $5,100 |
| USAA | $2,492 | $2,688 |
Find Cheap Benton, KY Auto Insurance Rates by Driving Record
Auto insurance rates in Benton, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Benton, KY, take a look at the average cost for various violations versus rates for a clean driving record in Benton.
Annual Benton, Kentucky Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,439 | $5,744 | $6,089 | $4,979 |
| Geico | $2,248 | $4,011 | $6,130 | $2,752 |
| Liberty Mutual | $3,746 | $5,718 | $4,458 | $3,971 |
| Nationwide | $3,060 | $3,953 | $4,997 | $3,369 |
| Progressive | $3,326 | $4,896 | $3,795 | $4,044 |
| State Farm | $2,890 | $3,441 | $3,166 | $3,166 |
| Travelers | $4,449 | $4,579 | $6,599 | $4,772 |
| USAA | $1,957 | $2,767 | $3,284 | $2,352 |
Find Cheap Benton, KY Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Benton, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Benton for less when you shop around and compare rates from multiple Benton, KY auto insurance companies.
Annual Auto Insurance Rates After a DUI in Benton, Kentucky
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,089 |
| Geico | $6,130 |
| Liberty Mutual | $4,458 |
| Nationwide | $4,997 |
| Progressive | $3,795 |
| State Farm | $3,166 |
| Travelers | $6,599 |
| USAA | $3,284 |
Winners by Category: Where to Buy Cheap Auto Insurance in Benton, KY
Compare rates from the cheapest auto insurance companies in Benton, KY for your needs. Take a look at how Benton, Kentucky auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Benton, Kentucky
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Benton, Kentucky Auto Insurance Companies
If you’re looking for the cheapest Benton, KY auto insurance companies overall, you can compare them here. Find the best price for Benton, Kentucky car insurance by company.
Average Annual Auto Insurance Rates by Company in Benton, Kentucky
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,313 |
| Geico | $3,785 |
| Liberty Mutual | $4,473 |
| Nationwide | $3,845 |
| Progressive | $4,016 |
| State Farm | $3,166 |
| Travelers | $5,100 |
| USAA | $2,590 |
What affects Benton, Kentucky auto insurance rates?
Local factors affect auto insurance rates in Benton, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Benton auto insurance rates.
Commute Times in Benton
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Benton, KY is 17.4 minutes according to City-Data.
Compare Auto Insurance Quotes in Benton, KY
You can buy cheap Benton, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Benton, Kentucky auto insurance quotes from top companies.
Frequently Asked Questions
Why is it important to have auto insurance in Benton, KY?
Auto insurance is crucial in Benton, KY, and everywhere else, because it provides financial protection in case of accidents, theft, or damage to your vehicle. It also helps cover medical expenses for injuries sustained in accidents. Having auto insurance is a legal requirement in Kentucky.
What factors should I consider when buying auto insurance in Benton, KY?
When purchasing auto insurance in Benton, KY, consider factors such as coverage options, deductible amounts, premium costs, discounts available, the financial strength of the insurance company, and customer reviews. It’s essential to find a policy that meets your specific needs and budget.
Can I get cheap auto insurance in Benton, KY?
Yes, it’s possible to find affordable auto insurance in Benton, KY. By comparing quotes from multiple insurance providers, you can find policies that offer adequate coverage at a reasonable price. However, it’s important to strike a balance between affordability and the coverage options you require.
Are there any pros to buying cheap auto insurance in Benton, KY?
- Cost savings: Cheap auto insurance can help you save money on premiums, leaving more funds available for other expenses.
- Basic coverage: Even with cheap insurance, you can still obtain the minimum coverage required by law, ensuring compliance with legal obligations.
What are the cons of buying cheap auto insurance in Benton, KY?
- Limited coverage: Cheap auto insurance may offer minimal coverage, which might not be sufficient to cover all potential expenses in case of an accident or damage.
- Higher deductibles: To keep premiums low, cheap insurance policies often come with higher deductibles. This means you’ll have to pay more out of pocket before your coverage kicks in.
- Potential for poor customer service: Some low-cost insurance providers may not offer the same level of customer service and support as larger, more established companies.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.