Cheapest car insurance companies in Benson 

According to a study by Insurance.com, the cheapest car insurance companies in Benson for 2023 are Geico and Auto-Owners

The car insurance company in Benson that provides the cheapest car insurance premiums is Geico, with an average annual rate of $1,122 .

The cost of car insurance in Benson varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Benson.

CompaniesAverage annual rates
Geico$1,122
Auto-Owners$1,329
Travelers$1,369
Nationwide$1,533
Progressive$1,604
USAA$1,619
State Farm$1,845
Allstate$1,996
Farmers$2,006
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Benson by Age Group 

In Benson, Geico is the cheapest car insurance company for teenagers, offering full coverage policies at $2,798 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

When compared to other car insurance companies, Geico turned out to be the cheapest car insurance company for young drivers in Benson, offering full coverage at an annual average cost of $1,534.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Benson is Geico. Its average rate for a full coverage car insurance policy is $1,116 per year

With an average annual premium of $1,081, Geico offers Benson's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel. 

CompanyTeensYoung AdultsAdultsSeniors
Geico$2,798$1,534$1,116$1,081
Auto-Owners$3,704$2,258$1,367$1,400
Travelers$4,320$2,123$1,399$1,404
State Farm$5,282$3,054$1,857$1,795
Nationwide$5,711$2,681$1,523$1,435
Allstate$6,674$2,826$1,972$2,180
USAA$7,102$2,819$1,627$1,633
Progressive$7,514$2,625$1,594$1,629
Farmers$8,736$3,593$1,913$2,043
CSAA Insurance (AAA)$11,376$7,611N/AN/A
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Benson by driver profile 

Car insurance rates in Benson vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations

When it comes to finding the cheapest car insurance rates in Benson, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

Here are some of the cheapest car insurance companies in Benson based on driver profile. 

Drivers in Benson with poor credit can get the cheapest car insurance from Geico at an average cost of $1,307 a year, according to a data study by Insurance.com.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Geico$1,307
Nationwide$1,387
Travelers$1,818
Farmers$2,641
Progressive$2,648
USAA$2,750
Allstate$3,340
State Farm$4,857
Data refreshed as of May 2024
Read our full methodology

Based on recent data analysis, 30-year-old drivers in Benson with speeding tickets on their driving record can get the cheapest car insurance rates from State Farm at an annual cost of $1,320.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs. 

CompanyAverage annual premium
State Farm$1,320
Nationwide$1,425
Geico$1,446
Travelers$1,749
USAA$1,798
Progressive$2,080
Farmers$2,254
Allstate$3,093
Data refreshed as of May 2024
Read our full methodology

If you've had an accident, State Farm might be your best bet for affordable auto insurance.

For Benson drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,420. It's a great option if you're looking for affordable coverage that won't break the bank.

After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.

CompanyAverage annual rates
State Farm$1,420
Geico$1,508
Nationwide$1,538
Travelers$1,781
USAA$2,271
Farmers$2,611
Progressive$2,627
Allstate$2,991
Data refreshed as of May 2024
Read our full methodology

State Farm is the carrier that offers cheap auto insurance rates in Benson for drivers after a DUI. Its average annual rate for full coverage is $1,320

A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.

CompanyAverage annual rates
State Farm$1,320
Geico$1,877
Travelers$2,175
Nationwide$2,289
Progressive$2,317
Farmers$2,701
USAA$3,462
Allstate$3,959
Data refreshed as of May 2024
Read our full methodology

Average car insurance cost in Benson 

Full coverage car insurance in Benson for a coverage limit of 100/300/100 is $1,602 per year or $134 per month, while the state minimum coverage costs an average of $434 a year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState minimum average
$1,602$434
Data refreshed as of May 2024
Read our full methodology

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.