Average home insurance cost in Arkansas

The average cost of homeowners insurance in Arkansas is  $3,958 a year or $330 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 is Auto-Owners, followed by State Farm and Nationwide. 

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
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
Auto-OwnersA++0.374.68$5,533
State FarmA++0.834.58$3,199
NationwideA+1.053.83$3,741
FarmersA0.673.55$4,578
AllstateA+1.463.55$3,418
TravelersA++1.12.6$9,602

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 State Farm has the most affordable rates in most categories.

Cheapest home insurance rates in Arkansas by coverage level
Company$200,000$300,000$400,000$600,000$1,000,000
State Farm$2,479$3,199$3,915$5,457$8,229
Farm Bureau Mutual Ins Co of AR$2,605$3,390$4,106$5,462$7,061
Allstate$2,896$3,418$3,966$5,147$7,615
USAA*$2,862$3,626$4,262$5,426$7,553
Nationwide$2,713$3,741$4,715$6,596$10,419
Shelter Insurance$3,112$4,089$5,144$7,320$11,452
Farmers$3,679$4,578$5,470$9,495$16,402
Auto-Owners$4,282$5,533$6,861$9,903$19,087
Travelers$9,402$9,602$11,806$20,018$33,977

*USAA is only available to military members and their families

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.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of Apr 2024

The most expensive ZIP codes in Arkansas for home insurance 

Arkansas homeowners insurance rates are the most expensive for ZIP code 72536, with an average annual cost of $5,440.

The most expensive ZIP codes in Arkansas are:

ZIP codeAverage Annual Premium
72536$5,440
72517$5,341
72577$5,256
72540$5,255
72573$5,229
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 rate
72758$3,446
72764$3,453
72016$3,465
72745$3,470
72076$3,472
72714$3,474

Compare homeowners insurance rates by city in Arkansas

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Arkansas.

CityAnnual insurance premium
Bentonville
$2,693
Conway
$2,994
Fayetteville
$2,821
Fort Smith
$3,005
Jonesboro
$2,954
Little Rock
$2,882
North Little Rock
$2,793
Pine Bluff
$3,106
Rogers
$2,711

Compare homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
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