Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Benham, KY
We monitor insurance prices, helping the average driver in Benham save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Benham
The chart below shows the cheapest car insurance company in Benham 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 Farm Bureau, followed by State Farm, Travelers, and Geico.
| Benham Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $64 |
| State Farm | $64 |
| Travelers | $93 |
| Geico | $100 |
Savings for Every Kind of Benham Driver
Based on our extensive insurance data, we know the average Benham driver will save about 25% 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 $565 per year by choosing the right vehicle insurance company. Some Benham residents are paying out over $2,237 extra every year for auto insurance in Benham. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Benham, KY Savings / Yr. |
|---|---|
$565 |
|
$927 |
|
$912 |
|
$923 |
|
$1,826 |
|
$611 |
|
$979 |
Benham Car Insurance vs. Kentucky
People living in Benham pay an average of 4.84% more than the typical driver in the state. The average driver in Benham can expect to pay about $1,152 per year, or $2,237 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Benham for most people.
Car Insurance Prices by Benham Neighborhood
Insurance Prices
Where is insurance cheapest within Benham?
The map shows insurance prices in and around Benham, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $52 per year within the city boundaries, with insurance premiums ranging from a high of $2,283 to a low of $2,231. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southwest parts of Benham.Pick the Best Car Insurance Company for You in Benham
The best car insurance provider for most drivers in Benham
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $565 over the average Benham car insurance company.
The best car insurance provider for Benham drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $927 over the competition.
The best car insurance company for Benham drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $912 better than other car insurance companies.
The best auto insurance for Benham drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $923 less each year.
The least expensive car insurance company for new and young drivers in Benham
In Benham, State Farm costs young drivers $1,826 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Benham
State Farm gave the largest car insurance discounts to married couples, averaging $611 saved each year compared to an average Benham couple's premiums.
The cheapest car insurance in Benham for drivers with bad credit
The best Benham car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Benham, which was better than other insurers.
The cheapest large national provider in Benham
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Benham driver can expect to pay about $144 per month.
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 Benham, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, young drivers, and good drivers.Auto Insurance Prices in and Around Benham
What Influences the Cost of Car Insurance in Benham?
On average, car insurance in Benham is more expensive than the rest of the state. These high 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:
- Kentucky state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Benham are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Benham has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Benham is $96 per month for minimum coverage and $186 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
- Cumberland: Insurance costs 2.50% more
- Blair: Insurance costs 2.06% more
- Lynch: Insurance costs 0.09% more
- Hiram: Insurance costs 2.01% more
- Linefork: Insurance costs 1.16% more
- Rutherford: Insurance costs 1.30% more
- Partridge: Insurance costs 3.08% more
- Gordon: Insurance costs 0.40% more
- Holmes Mill: Insurance costs 1.61% more
- Dione: Insurance costs 0.45% more
Cities with Similar Populations
- Altaville: Insurance costs 17.88% less
- Argyle: Insurance costs 28.07% less
- Le Roy: Insurance costs 32.23% less
- Bell: Insurance costs 26.15% more
- Hurricane Mills: Insurance costs 40.23% less
- Hollow Creek: Insurance costs 3.93% less
- Indian Lake: Insurance costs 19.49% more
- Iredell: Insurance costs 28.16% less
- Jarales: Insurance costs 32.28% less
- Jekyll Island: Insurance costs 28.12% less