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Get Cheap Car Insurance in Ben Lomond, AR

We monitor insurance prices, helping the average driver in Ben Lomond save up to 33.0% on car insurance.

 

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The Cheapest Minimum Coverage in Ben Lomond

The chart below shows the cheapest car insurance company in Ben Lomond for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safeco Insurance, followed by Farm Bureau, Geico, and Jupiter.

 
Ben Lomond Insurer Monthly Cost
Safeco Insurance $54
Farm Bureau $56
Geico $58
Jupiter $59

Savings for Every Kind of Ben Lomond Driver

The table shows how much the average auto insurance customer in Ben Lomond might save by following our recommendations.

Based on our extensive insurance data, we know the average Ben Lomond driver will save about 20% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $333 per year by choosing the right vehicle insurance company. Some Ben Lomond residents are paying out over $1,682 extra every year for auto insurance in Ben Lomond. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Ben Lomond, AR Savings / Yr.
Drivers with good records
$333
Drivers with accidents
$590
Drivers with speeding tickets
$475
Drivers with a DUI conviction
$731
Young drivers
$1,888
Married drivers
$335
Drivers with bad credit
$469

Ben Lomond Car Insurance vs. Arkansas

People living in Ben Lomond pay an average of 0.07% less than the typical driver in the state. The average driver in Ben Lomond can expect to pay about $910 per year, or $1,682 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Ben Lomond for most people.

Car Insurance Prices by Ben Lomond Neighborhood

Ben Lomond, AR map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Ben Lomond?

The map shows insurance prices in and around Ben Lomond, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,682 to a low of $1,682. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the East parts of Ben Lomond.

Pick the Best Car Insurance Company for You in Ben Lomond

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Ben Lomond insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Ben Lomond

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $333 over the average Ben Lomond car insurance company.

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We use the average good driver, paying $112 per month, as our baseline for pricing in Ben Lomond. State Farm, Travelers, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Ben Lomond drivers with accidents on their records

In Ben Lomond getting into an accident will raise premiums an average 37% for a yearly cost of $2,651. That's $969 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Gainsco, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $590 over the competition.

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The best car insurance company for Ben Lomond drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $475 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Ben Lomond, tickets raise premiums on new quotes about $538. If you have a speeding ticket, we recommend Geico, Gainsco, and Farm Bureau for savings that beat the average insurance cost of $2,220 per year.

The best auto insurance for Ben Lomond drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,803 per year in auto insurance premiums, which was $1,121 more than a driver with no major issues. Progressive, Farm Bureau, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Farm Bureau may cost the average person with a DUI about $731 less each year.

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The least expensive car insurance company for new and young drivers in Ben Lomond

In Ben Lomond, Farm Bureau costs young drivers $1,888 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Ben Lomond. With an average cost of $5,720 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Ben Lomond

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $188. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Ben Lomond.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $335 saved each year compared to an average Ben Lomond couple's premiums.

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The cheapest car insurance in Ben Lomond for drivers with bad credit

People with poor credit saved an average of $469 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $960 every year. Premiums for people with poor credit were about $2,642 in Ben Lomond. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Dairyland, and Farm Bureau.

The best Ben Lomond car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Ben Lomond, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Shelter Insurance as the best provider in Ben Lomond.

Nationwide was the best company for customer service in Ben Lomond according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Ben Lomond, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Ben Lomond. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Ben Lomond

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 16% of Ben Lomond residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Ben Lomond driver can expect to pay about $113 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Ben Lomond, USAA has the best prices for drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and young drivers.
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Auto Insurance Prices in and Around Ben Lomond

What Influences the Cost of Car Insurance in Ben Lomond?

On average, car insurance in Ben Lomond is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Ben Lomond is 35 minutes, which is a little more than average for a driver in the state.
  • Arkansas state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Ben Lomond are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Ben Lomond has an average population density in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Ben Lomond is $76 per month for minimum coverage and $140 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Ben Lomond driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Ben Lomond with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.