1 Source Insurance Group
546 W Carpenter St, Benton, AR 72015
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Benton households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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546 W Carpenter St, Benton, AR 72015
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2719 Cody Rd, Benton, AR 72015
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1215 Hwy 35 North, Benton, AR 72015
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114 E. Conway Street, Benton, AR 72015
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Learn about insurance coverage options specific to Benton residents.
Benton residents: Get auto, home & flood insurance guidance. Local agents, rates, requirements—everything you need for Saline County coverage.
Home InsuranceBenton home insurance averages $4,023/year. Learn about tornado coverage, windstorm deductibles, and how to save on rates in fast-growing Saline County.
Car InsuranceBenton, Arkansas requires 25/50/25 auto insurance minimums. Learn about at-fault rules, I-30 corridor risks, and how to get better coverage at $104/month.
Arkansas requires liability coverage of 25/50/25: $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. However, these minimums may not provide adequate protection for serious accidents, and insurance professionals typically recommend at least 100/300/100 coverage to better protect your assets.
No, standard homeowners insurance policies do not cover flood damage. With Saline County experiencing significant flooding in 2025, you need a separate flood insurance policy through the National Flood Insurance Program or a private carrier. The average NFIP policy in Arkansas costs $1,244 annually, and coverage has a 30-day waiting period.
Minimum coverage in Arkansas averages around $285-553 annually, depending on the carrier and your driving profile. Full coverage averages about $1,373 per year for a 40-year-old driver with good credit and a clean record. Your actual rate depends on your age, driving history, credit score, vehicle type, and specific location within Benton.
Bundle your auto and home policies for multi-policy discounts of 15-25%. Maintain good credit, as Arkansas insurers use credit scores in rating. Ask about available discounts for defensive driving courses, good students, anti-theft devices, or paying premiums in full. Most importantly, shop around annually—rates can vary by hundreds of dollars between carriers for identical coverage.
It's worth considering even outside designated flood zones. Over 20% of NFIP claims come from properties outside high-risk areas, and Saline County experienced flash flooding in 2025 with 2-5 inches of rainfall. Flood damage can cost tens of thousands of dollars to repair, and without coverage, you'll pay out of pocket. At $1,244 average annual cost, it's relatively affordable protection against a potentially catastrophic loss.
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