Benton, AR
Insuring your car and home in Benton, AR
Commute, vehicle, and housing data for Benton, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Benton has about 38,088 residents in Saline County. 80% of its workers drive to work alone and 68% of households own their home, so most families here need both a car policy and a homeowners policy.
How Benton gets around
| Measure | Benton | Arkansas |
|---|---|---|
| Drive alone to work | 80% | 79% |
| Carpool | 9% | 9% |
| Work from home | 9% | 9% |
| Commute of 45 minutes or more | 10% | 11% |
| Commute under 15 minutes | 30% | 34% |
| Households with no vehicle | 3% | 6% |
| Households with 3 or more vehicles | 19% | 23% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are similar in Benton than statewide: 10% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
With 9% of Benton workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
19% of Benton households keep three or more vehicles, and 3% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Home values and housing age in Benton
Census figures put Benton's median home value at $212,700 (Arkansas: $188,000) and its median year built at 1995. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
For context, the NAIC's 2023 average HO-3 premium in Arkansas was $1,561 for homes insured in the $200,000–$224,999 range, and $1,870 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Arkansas auto minimums that apply in Benton
Drivers in Benton must carry Arkansas's minimum of 25/50/25 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Should Benton homeowners bundle?
Most Benton homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Weather and road risks around Benton
Insurers in Arkansas price for spring hail and flooding on rural roads. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
Benton compared with nearby cities
Little Rock: 76% drive alone, 5% commute 45+ minutes, median home $236,400. Fayetteville shows 15% working from home and a median home value of $349,600. In Fort Smith, 53% own their home and 18% of households have three or more vehicles. Benton ranks 6th for long commutes among the 20 Arkansas cities we profile.
Benton quote checklist
- Recent claims or violations
- Liability limits you want
- Home details: size, age, construction
- Your existing policies and renewal dates
- Vehicle year, make, model, and VIN
- Drivers' names and dates of birth
Questions from Benton drivers and homeowners
What auto insurance is required in Benton?
Arkansas requires liability of 25/50/25; none beyond liability.
Do Benton drivers have long commutes?
About 10% of Benton workers commute 45 minutes or more and 30% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Benton?
Prices depend on the home and coverage. The NAIC's 2023 Arkansas HO-3 average was $1,870; see the Arkansas page.
Other city guides near Benton
Auto and home insurance in Arkansas
Last updated October 15, 2026 · How we research