Average homeowners insurance cost in Arkansas

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Homeowners in Arkansas pay an average of $3,720 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. Farm Bureau Insurance of Arkansas offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Our data puts the average homeowners insurance cost in Arkansas at $3,720 per year.
Of all ZIP codes analyzed in Arkansas, 72207 has the lowest average home insurance rates at around $2,768 annually.
On the insurer side, Farm Bureau Insurance of Arkansas offers the most affordable average premiums in Arkansas, coming in at $2,340 per year.

What is the average cost of homeowners insurance in Arkansas?

The average homeowners insurance premium in Arkansas is $3,720 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Arkansas? Cost by coverage level

On average, homeowners in Arkansas pay $3,720 a year for insurance – a figure based on $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Raising your dwelling coverage from $300,000 to $400,000, with the same liability and deductible, brings the average annual cost to $4,526 in Arkansas.

The table below shows average homeowners insurance costs in Arkansas for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,901	$242
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,914	$243
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,720	$310
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,733	$311
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$4,526	$377
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$4,540	$378
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$6,207	$517
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$6,223	$519
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$8,805	$734
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$8,829	$736

Average home insurance cost in Arkansas by insurer

Farm Bureau Insurance of Arkansas has the lowest average homeowners insurance premiums in Arkansas at $2,340 per year. State Farm and Nationwide also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Arkansas, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Farm Bureau Insurance of Arkansas	$2,340	$195
State Farm	$3,227	$269
Nationwide	$3,435	$286
Travelers	$3,626	$302
Farmers	$3,817	$318
Allstate	$3,925	$327
Shelter Insurance	$5,070	$422
Auto-Owners	$7,322	$610
USAA*	$3,232	$269

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in Arkansas.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

How does your ZIP code affect home insurance rates in Arkansas?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Arkansas

Most affordable ZIP codes for home insurance in Arkansas

The lowest rates in Arkansas are found in 72207, where homeowners pay an average of $2,768 per year.

Where you live in Arkansas has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Arkansas.

ZIP code	Average annual rate	Average monthly rate
72207	$2,768	$231
72205	$2,834	$236
72114	$2,865	$239
72227	$2,875	$240
72118	$2,881	$240
72117	$2,933	$244
72120	$2,981	$248
72116	$2,982	$249
72142	$2,999	$250
72004	$3,002	$250

Most expensive ZIP codes for home insurance in Arkansas

At the other end of the spectrum, 72577 has the highest average rates in Arkansas at $4,811 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Arkansas.

ZIP code	Average annual rate	Average monthly rate
72577	$4,811	$401
72573	$4,790	$399
72540	$4,784	$399
72536	$4,683	$390
72517	$4,609	$384
72475	$4,518	$377
72479	$4,441	$370
72429	$4,410	$367
72561	$4,392	$366
72373	$4,387	$366

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Arkansas by city

See rates in your city

What’s the trend in home insurance rates for Arkansas?

From the span of 2023 to 2025, Arkansas saw home insurance rates decrease by 3%, in line with how the state’s insurance market has been trending overall.

The table below breaks down the year-over-year rate changes going back to 2022:

2022 rates	2023 rates	2025 rates
$3,668	$3,817	$3,720

What are the best homeowners insurance companies in Arkansas?

Based on our data, Travelers stands out as the top choice in Arkansas. It earns an AM Best rating of A++ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in Arkansas by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Travelers	$3,626	A++	0.91	4.52
State Farm	$3,227	A+	1.15	4.46
Allstate	$3,925	A+	1.26	4.36
Nationwide	$3,435	A	1.34	4.32
Farmers	$3,817	A	0.89	4.29
Shelter Insurance	$5,070	A	0.39	4.15
Auto-Owners	$7,322	A+	0.39	3.94
USAA*	$3,232	A++	0.46	4.59

*USAA is only available to military community members and their families.

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.