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 carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. 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.
| Companies | Average 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 |
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 premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,081, Geico offers Benson's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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 | $7,611 | N/A | N/A |
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.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
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.
| Company | Average 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 |
Cheapest for drivers with a speeding ticket: State Farm
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.
| Company | Average 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 |
Cheapest auto insurance after an at-fault accident: State Farm
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.
| Company | Average 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 |
Cheapest auto insurance after a DUI: State Farm
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.
| Company | Average 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 |
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 Rates | State minimum average |
|---|---|
| $1,602 | $434 |
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.
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