Cheapest Car Insurance Quotes in Benham

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Benham Car Insurance

^$ 30

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Benham

The car insurance rate in Benham is $1286 for a six-month policy, which is $196 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $512, making it a popular choice for budget-conscious drivers. Rates in Benham can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Benham

$1286

Avg. Car Insurance in Kentucky

$1090

National Average

$1278

Cheapest Car Insurance Companies in Benham

1st place: AutoOwners Insurance Co

At $512 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Cincinnati

Cincinnati offers auto insurance rates at $561 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Kentucky Farm Bureau

Kentucky Farm Bureau offers auto insurance rates at $736 for six months, making it the third cheapest auto insurance company in Benham.

Benham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Benham, KY is AutoOwners Insurance Co, offering policies at just $512 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $561.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3000 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Benham drivers find the best deals.

Cheap Car Insurance Companies in Benham, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$512	$85
Cincinnati	$561	$96
Kentucky Farm Bureau	$736	$124
Travelers	$995	$168
Shelter	$1114	$188
USAA	$1149	$194
Auto-Owners	$1359	$227
Electric	$1359	$231
State Farm	$1359	$229
Farm Bureau	$1430	$243
Progressive	$1514	$255
Nationwide	$1633	$275
Allstate	$3000	$500

Key Takeaways

Way's key takeaways about car insurance in Benham

The auto insurance costs in Benham fall around $512 for six months.
The cheapest auto insurance company in Benham is Cincinnati.
Teen drivers pay the highest rate in Benham at $1508 per month.

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Cheapest Minimum Liability Car Insurance in Benham

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Benham are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Benham. Their Average 6 Month Premium is $176. Allstate is the most expensive at $1121 for the same period.

Cheapest Liability Coverage in Benham, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$176	$30
Auto-Owners Insurance Co	$238	$40
Kentucky Farm Bureau	$267	$45
Electric	$288	$48
USAA	$350	$59
Travelers	$372	$63
Westfield	$393	$67
Farm Bureau	$413	$70
State Farm	$427	$72
Progressive	$470	$79
Shelter	$484	$81
Auto-Owners	$561	$93
Nationwide	$666	$112
Allstate	$1121	$186

Cheapest Full Coverage Car Insurance in Benham

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Benham is AutoOwners Insurance Co at $85 per month and $512 for six months.

Cheapest Full Coverage Car Insurance Quotes in Benham, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$512	$85
Cincinnati	$561	$96
Kentucky Farm Bureau	$736	$124
Travelers	$995	$168
Shelter	$1114	$188
USAA	$1149	$194
Auto-Owners	$1359	$227
Electric	$1359	$231
State Farm	$1359	$229
Farm Bureau	$1430	$243
Progressive	$1514	$255
Nationwide	$1633	$275
Allstate	$3000	$500

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Average Car Insurance in Benham by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Benham, KY increasing?

Despite maintaining a clean driving record, your car insurance rates in Benham, Kentucky, may be increasing due to several external factors. Kentucky has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Benham's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Benham

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$1126
30s	Auto-Owners	$853
40s	Auto-Owners	$834
50s	Auto-Owners	$797
60s	USAA	$828
70s	State Farm	$923

Cheapest Car Insurance Rates for Teen Drivers in Benham,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Benham at $38 per month. At $9049 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$224	$38
Auto-Owners Insurance Co	$336	$57
Kentucky Farm Bureau	$1121	$189
Travelers	$1626	$274
USAA	$1907	$321
Farm Bureau	$2159	$363
Shelter	$2327	$392
State Farm	$2635	$444
Auto-Owners	$3686	$627
Progressive	$4619	$778
Nationwide	$9021	$1534
Allstate	$9049	$1508

Teen Car Insurance Rates in KY by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Benham.

As young drivers face the highest rates in Benham, USAA offers the cheapest auto insurance rates at $1126 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Benham, Cincinnati is the cheapest car insurance provider. At $301 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Benham is Allstate, offering rates of around $6365 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$301	$51
Travelers	$1366	$230
Progressive	$1409	$237
USAA	$1752	$299
Nationwide	$2215	$373
Shelter	$3750	$637
Auto-Owners	$3834	$640
Farm Bureau	$4374	$743
State Farm	$5803	$968
Allstate	$6365	$1082

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Save up to $971/yr on car insurance rates in Benham.

Car Insurance Rates with An Accident in Benham

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Benham, KY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Benham

The cheapest car insurance companies after an at-fault accident in Benham include AutoOwners Insurance Co and Electric, offering $358 and $358, respectively. Allstate is an expensive provider with an average six-month premium of $4465.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$358	$59
Electric	$358	$61
Cincinnati	$379	$63
Farm Bureau	$477	$81
Kentucky Farm Bureau	$519	$87
Travelers	$953	$160
State Farm	$975	$164
USAA	$1044	$176
Shelter	$1073	$181
Progressive	$1822	$307
Auto-Owners	$1893	$315
Nationwide	$3905	$664
Allstate	$4465	$745

Benham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Benham KY. For example, the car insurance in Benham after a DUI increases to $1465 for a six month policy. While the rate increases by $372 for a six-month policy in the case of a speeding ticket.

Benham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1710	$286
One Med/PIP claim	$1724	$293
Two Med/PIP claims	$1795	$299
Not-at-fault accident	$1843	$314
One comp claim	$1871	$312
Failure to wear a seat belt	$1893	$322
Failure to show documents	$1955	$326
Two comp claims	$1955	$333
Driving without lights	$1962	$327
Child safety restraint	$1984	$337
Cell phone violation	$2060	$343
Driving with expired registration	$2067	$352
Texting while driving	$2067	$345
Driving too slowly	$2082	$354
Failure to stop at a red light	$2082	$347
Failure to yield	$2082	$354
Speeding 6 - 10 MPH over limit	$2082	$347
Speeding in school zone	$2082	$354
Following too closely	$2089	$348
Illegal turn	$2089	$355
Speeding 11 - 15 MPH over limit	$2089	$348
Wrong way/wrong lane	$2089	$355
Improper passing	$2096	$349
Speeding 16 - 20 MPH over limit	$2096	$356
Speeding 21 - 25 MPH over limit	$2138	$356
In 65 MPH zone	$2152	$366
Passing school bus	$2187	$365
Open container	$2243	$381
At-fault accident - less than $1000	$2284	$381
Operating a vehicle without permission	$2453	$418
At-fault accident - $1000-$2000	$2482	$413
At-fault accident - greater than $2000	$2482	$422
Reckless driving	$3119	$520
Refusal to submit to a chemical test	$3161	$538
DUI	$3175	$529
Driving with a suspended license	$3182	$542
Racing	$3197	$532
Leaving scene of an accident/hit and run	$3231	$550

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Benham after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Benham.

The cheapest car insurance premiums in Benham are offered by Cincinnati at $470 for a six-month policy. However, it can be as expensive as $5082 with companies like Nationwide.

Benham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$470	$80
Allstate	$610	$101
Kentucky Farm Bureau	$624	$106
Travelers	$904	$152
Progressive	$1002	$169
Shelter	$1080	$182
State Farm	$1135	$191
USAA	$1318	$222
Auto-Owners	$3119	$530
Farm Bureau	$3385	$564
Nationwide	$5082	$864

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Benham are offered by Cincinnati at $210. However, it can be as expensive as $3498 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Benham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$210	$35
Kentucky Farm Bureau	$253	$42
Auto-Owners Insurance Co	$288	$48
State Farm	$877	$148
Travelers	$939	$158
Shelter	$982	$165
Progressive	$1233	$208
USAA	$1283	$218
Auto-Owners	$1423	$237
Farm Bureau	$1430	$243
Nationwide	$2565	$427
Allstate	$3498	$595

Car Insurance Price Trends in Benham, Kentucky

Car insurance rates in Benham have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Benham rose by $267 in January compared to $262 of December. In other words, there has been an increase by $5 when you compare January and December.

The average cost of liability insurance in the Benham dipped to $72 in January, compared to $73 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Benham?

The car insurance in Benham is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Benham?

The cheapest car insurance in Benham is $85 per month for full coverage.

How much is car insurance in Benham for teenagers?

Car insurance for teenagers costs $224 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Benham?

The average cost of car insurance is $1090 for a six-month policy. It will cost around $216 per month to insure your car in Benham.

Is car insurance expensive in Benham?

Car insurance can be expensive in Benham if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Benham can be affordable.

Cheapest Car Insurance Quotes in Benham

Why you can trust Way?

How Much Is Car Insurance in Benham

Avg. Car Insurance in Benham

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Benham

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Benham Car Insurance Rates by Company

Cheap Car Insurance Companies in Benham, KY

Way's key takeaways about car insurance in Benham

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Benham

Cheapest Liability Coverage in Benham, KY

Cheapest Full Coverage Car Insurance in Benham

Cheapest Full Coverage Car Insurance Quotes in Benham, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Benham by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Benham, KY increasing?

Car Insurance Premiums by Age in Benham

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Benham,KY

If you are in your twenties USAA is the best choice for car insurance in Benham.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Benham

Cheapest Car Insurance Companies after an At-Fault Accident in Benham

Benham Car Insurance Rates by Violation

Benham auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Benham after a DUI

Benham car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Benham after Speeding ticket

Car Insurance Price Trends in Benham, Kentucky

Average Car Insurance Cost in Benham by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Benham, KY

Car Insurance Rates by State in the USA (2025 Update)

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