Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Benton for teen drivers is USAA
  • The cheapest car insurance company in Benton after a DUI is State Farm
  • Average car insurance rates in Benton, KY for senior drivers are $2,260/year

Average car insurance rates in Benton, Kentucky are $336 a month. But with a little research you can get a great deal from the top car insurance companies in Benton, KY. Before you buy Benton, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

It may even be helpful to compare Benton car insurance rates with Hopkinsville car insurance rates, Bowling Green car insurance rates, or Nicholasville car insurance rates to make sure you’re getting the best Benton, KY car insurance quotes available.

Need affordable Benton, KY car insurance? Enter your ZIP code to compare Benton car insurance quotes from multiple car insurance companies near you.

Benton, KY Minimum Car Insurance Coverage

Benton, Kentucky law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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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Benton, KY Car Insurance Rates by Coverage Level

Some Benton drivers can get by with the Kentucky minimum coverage of 25/50/25. Other drivers may need more. See how much your Benton, Kentucky car insurance rates may be based on the coverage you need.

Annual Car 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

Benton, KY Car Insurance Rates by Age, Gender, and Marital Status

Benton, Kentucky car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Benton, KY car insurance, get quotes from multiple car insurance companies in the Benton area and see how these criteria affect your rates.

Annual Car 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

Benton, KY Car Insurance Rates for Teens

How much is Benton, Kentucky car insurance for teens? Compare rates from top Benton car insurance companies below to help find the cheapest teen car insurance in Benton, KY.

Annual Car 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

Benton, KY Car Insurance Rates for Seniors

Before seniors buy Benton, Kentucky car insurance, they should make sure to shop around. Some Benton, KY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Benton, KY Car Insurance Rates by Credit History

How does your credit history affect Benton, KY car insurance rates? Review the numbers here to find out.

Annual Car 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

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Benton, KY Car Insurance Rates by Driver History

How does a single speeding ticket affect your Benton, Kentucky car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Benton.

Annual Benton, Kentucky Car 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

Benton, KY Car Insurance Rates With a DUI

Even a single DUI can increase your Benton, KY car insurance rates. Compare rates below to see which Benton car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Benton, Kentucky

Insurance Company Annual Car 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

Benton, KY Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Benton, KY car insurance rates may be. Let’s take a look at average car insurance rates from top Benton companies based on commute time.

Annual Car 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

Benton, KY Cheapest Car Insurance Rates

How do the top Benton, Kentucky car insurance companies’ average rates stack up against the Benton average monthly car insurance rates of $336? Take a look and see.

Best Annual Car 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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Benton, KY Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Benton, Kentucky car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Benton, KY Car Insurance Rates

Before you buy Benton, Kentucky car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Benton, KY Commute Time

How does your Benton, KY commute time compare with the average driver? In Benton, the average commute is 17.4 minutes.

Benton, KY Car Insurance Quotes

Compare Benton, KY car insurance quotes from multiple companies by entering your ZIP code now.