Cheap Quotes for Benton, TN Car Insurance (2021)

Benton, Tennessee car insurance rates average $273 a month and Tennessee law requires coverage of at least 25/50/15. By comparing rates from multiple Benton, TN companies, you can find cheap Benton car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Benton, TN for senior drivers are $1,751/year
  • Benton has an average commute time of 26.1 minutes
  • Average car insurance rates in Benton, TN are $273/month

How do the Benton, Tennessee monthly average car insurance rates of $273/month compare to nearby cities like Jackson car insurance rates, Bartlett car insurance rates, and Franklin car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Benton, TN.

We’ll cover the Tennessee minimum coverage requirements, Tennessee car insurance laws, and Benton, TN statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Benton, Tennessee companies to find the most affordable Benton car insurance rates.

Enter your ZIP code above to find cheap Benton, TN car insurance quotes today.

What are the minimum Benton, TN car insurance requirements?

To meet Tennessee minimum car insurance coverage requirements, Benton, TN drivers need to carry at least 25/50/15 coverage.

Minimum Required Car Insurance Coverage in Benton, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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How do age, gender, and marital status affect Benton, TN car insurance rates?

Three of the criteria that most affect car insurance rates in Benton, Tennessee are age, gender, and marital status. Let’s take a look at how each of these stack up with top Benton car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Benton, Tennessee

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 $2,651 $2,542 $2,388 $2,478 $10,013 $10,879 $2,820 $2,916
Farmers $2,027 $2,066 $1,826 $2,009 $8,339 $8,899 $2,739 $2,864
GEICO $2,043 $2,059 $1,878 $1,878 $6,356 $6,455 $2,085 $2,152
Nationwide $2,187 $2,205 $1,960 $1,991 $6,024 $7,767 $2,515 $2,730
Progressive $1,700 $1,605 $1,384 $1,448 $7,551 $8,503 $2,043 $2,224
State Farm $1,534 $1,534 $1,384 $1,384 $4,714 $5,884 $1,734 $2,025
Travelers $1,741 $1,833 $1,586 $1,689 $4,891 $6,082 $1,852 $1,950
USAA $1,508 $1,533 $1,363 $1,361 $5,395 $6,191 $1,969 $2,095

How much do teen drivers pay for car insurance in Benton, TN?

Benton, Tennessee car insurance rates for teens are often higher than rates for other drivers. Compare Benton car insurance rates from multiple Benton, Tennessee car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Benton, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,013 $10,879
Farmers $8,339 $8,899
GEICO $6,356 $6,455
Nationwide $6,024 $7,767
Progressive $7,551 $8,503
State Farm $4,714 $5,884
Travelers $4,891 $6,082
USAA $5,395 $6,191

How much do senior drivers pay for car insurance in Benton, TN?

With a little research, seniors can find affordable car insurance in Benton, Tennessee. Here’s a look at how the top Benton car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Benton, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,388 $2,478
Farmers $1,826 $2,009
GEICO $1,878 $1,878
Nationwide $1,960 $1,991
Progressive $1,384 $1,448
State Farm $1,384 $1,384
Travelers $1,586 $1,689
USAA $1,363 $1,361

How does coverage level affect Benton, TN car insurance rates?

How much coverage do you need? Are you comfortable with the Tennessee minimum of 25/50/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Benton, TN car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Benton, Tennessee

Insurance Company Low Medium High
Allstate $4,410 $4,574 $4,773
Farmers $3,594 $3,823 $4,122
GEICO $2,961 $3,106 $3,274
Liberty Mutual $5,783 $6,053 $6,336
Nationwide $3,436 $3,354 $3,477
Progressive $3,084 $3,305 $3,533
State Farm $2,390 $2,535 $2,648
Travelers $2,532 $2,701 $2,877
USAA $2,592 $2,668 $2,771

How does your driving record affect Benton, TN car insurance rates?

Safe driving pays off. The more traffic violations you have in Benton, TN, the higher your car insurance rates will be. Compare rates based on driving infractions from top Benton, Tennessee companies.

Annual Benton, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,835 $4,575 $5,541 $4,392
Farmers $3,285 $4,057 $4,174 $3,869
GEICO $2,273 $3,033 $4,875 $2,273
Liberty Mutual $4,913 $7,078 $6,584 $5,654
Nationwide $2,961 $2,961 $4,448 $3,320
Progressive $2,916 $3,777 $3,105 $3,431
State Farm $2,299 $2,749 $2,524 $2,524
Travelers $2,190 $2,811 $3,117 $2,694
USAA $1,947 $2,918 $3,429 $2,414

How does a DUI affect Benton, TN car insurance rates?

With even one DUI on your record, you can see an increase in your Benton, TN car insurance rates.

Annual Car Insurance Rates After a DUI in Benton, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,541
Farmers $4,174
GEICO $4,875
Liberty Mutual $6,584
Nationwide $4,448
Progressive $3,105
State Farm $2,524
Travelers $3,117
USAA $3,429

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How does your credit history affect Benton, TN car insurance rates?

Take a look at the data here to see how your Benton, Tennessee car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Benton, Tennessee

Insurance Company Poor Fair Good
Allstate $5,852 $4,481 $3,425
Farmers $4,584 $3,575 $3,380
GEICO $3,530 $3,026 $2,784
Liberty Mutual $8,693 $5,319 $4,161
Nationwide $4,103 $3,264 $2,900
Progressive $3,723 $3,206 $2,993
State Farm $3,665 $2,199 $1,708
Travelers $3,439 $2,700 $1,970
USAA $3,878 $2,275 $1,877

How does your commute affect Benton, TN car insurance rates?

Benton, TN car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Tennessee can be seen here. Remember, though, that you may have to carry substantially more car insurance in Benton if you’re financing.

Annual Car Insurance Rates by Commute Length in Benton, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,586 $4,586
Farmers $3,846 $3,846
GEICO $3,092 $3,135
Liberty Mutual $6,058 $6,058
Nationwide $3,422 $3,422
Progressive $3,307 $3,307
State Farm $2,465 $2,583
Travelers $2,597 $2,809
USAA $2,602 $2,752

Who has the cheapest Benton, TN car insurance rates?

Here’s a breakdown of Benton, Tennessee car insurance rates by company. You can see which company offers the cheapest Benton car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Benton, Tennessee

Category Insurance Company
Teenagers State Farm
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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What are the top Benton, TN car insurance companies?

Which Benton, Tennessee car insurance company will best fit your needs and budget? Check out this comparison of the top Benton companies to find the one for you.

Average Annual Car Insurance Rates by Company in Benton, Tennessee

Insurance Company Average Annual Rates
Allstate $4,586
Farmers $3,846
GEICO $3,113
Nationwide $3,422
Progressive $3,307
State Farm $2,524
Travelers $2,703
USAA $2,677

What factors affect Benton, TN car insurance rates?

Why are Benton, Tennessee car insurance rates different than rates in Jackson or Bartlett? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Benton, TN?

More time spent behind the wheel can lead to higher Benton, Tennessee car insurance rates. In Benton, TN, the average commute length is 26.1 minutes.

Car Insurance Quotes for Benton, TN

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