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Shelter Insurance is the best homeowners insurance company in Arkansas, based on a 2023 analysis by Insurance.com, with an overall rating of 4.69. USAA is the second-best home insurance company in Arkansas, with an overall rating of 4.68.

Shelter also offers the cheapest homeowners insurance rates in Arkansas.

With so many options out there, it is not easy to choose a homeowners insurance company in Arkansas. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.

Key takeaways

  • The average cost of homeowners insurance in Arkansas is $4,073 a year or $339 a month.
  • The cheapest homeowners insurance company in Arkansas is Shelter Insurance. It offers home insurance at an average of $2,701 a year.
  • Shelter Insurance also ranked as the best home insurance company in Arkansas for 2023.

Average home insurance cost in Arkansas

The average cost of homeowners insurance in Arkansas is $4,073 a year or $339 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Arkansas homeowners insurance companies to get the best deal.

Best home insurance companies in Arkansas

The best home insurance company in Arkansas for 2023 is Shelter Insurance, followed by USAA and Farm Bureau Mutual Ins Co. 

Below is a full list of the top Arkansas insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Arkansas
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Shelter InsuranceA$2,7010.194.69
USAAA++$3,5470.414.68
Farm Bureau Mutual Ins CoA$3,0880.174.62
Auto-OwnersA++$4,7070.194.55
State FarmA++$3,0841.074.41
FarmersA$4,2590.334.27
NationwideA+$4,6420.754.1
AllstateA+$3,2082.043.69
TravelersA++$9,1450.63.36

Cheapest home insurance companies in Arkansas

Below are Arkansas home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Shelter Insurance has the most affordable rates in almost every category.

Cheapest home insurance rates in Arkansas by coverage level
Company$200,000$300,000$400,000$500,000$600,000
Shelter Insurance$1,943$2,701$3,522$4,407$5,216
Farm Bureau Insurance Co$2,375$3,088$3,739$4,356$4,972
State Farm$2,390$3,084$3,774$4,665$5,499
Allstate$2,726$3,208$3,720$4,272$4,822
USAA$2,808$3,547$4,138$4,690$5,226
Nationwide$3,199$4,642$6,119$7,707$8,686
Farmers$3,503$4,259$4,680$5,375$6,079
Auto-Owners$3,647$4,707$5,839$7,069$8,668
Travelers$7,795$9,145$9,504$9,673-

Arkansas home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Arkansas to see which areas are the most and least expensive.

The most expensive ZIP codes in Arkansas for home insurance 

Arkansas homeowners insurance rates are the most expensive for ZIP code 72540 with an average annual cost of $5,510.

The most expensive ZIP codes in Arkansas are:

ZIP codeAverage annual rates
72540$5,510
72573$5,472
72577$5,469
72536$5,397
72517$5,317
72561$4,994

The least expensive ZIP codes in Arkansas for home insurance

The cheapest ZIP codes for home insurance in Arkansas are:

ZIP codeAverage annual rates
72721$3,323
72959$3,360
72737$3,367
72752$3,378
72740$3,381
72729$3,385
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