Best and cheapest companies for home and auto bundles in Arkansas

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When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Arkansas to identify which ones provide significant savings when combining multiple coverage types.

State Farm provides the highest percentage discount on home and auto insurance premiums in Arkansas when you bundle your policies. By choosing this insurer, you can save an average of 30% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Arkansas. When you bundle your policies, you can expect to pay an average of $3,119.

Key Takeaways

In Arkansas, State Farm is the best home and auto bundle insurance provider, offering an average discount of 30%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

How we picked the best companies for home and auto bundling

In 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Arkansas

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Arkansas.

State Farm

State Farm offers a 30% bundle discount, which amounts to an average savings of $1,312. The combined cost of home and auto insurance before the discount is $4,431, and after the discount, it drops to $3,119.

Farmers Insurance

Farmers Insurance offers an average discount of $1,437 when you bundle your auto and home insurance, which is about 21%. Without the discount, the average cost is $6,988, but with the discount, the price drops to $5,551.

Nationwide

The average bundle discount at Nationwide is $1,258, or 19%. Without the bundle discount, the average cost of coverage is $6,676. After the bundle discount, that cost goes down to $5,418. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

Allstate

The average bundle discount at Allstate is $954, which is a 16% savings. The cost of home and auto insurance before the discount is $6,019, but it lowers to $5,065 after applying the discount.

Auto-Owners

The average bundle discount at Auto-Owners is $765, or 11%. Before getting a bundle discount, customers see average rates of $6,743 for coverage. With the bundle discount, customers see average rates of $5,978. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in Arkansas

The amount you can save on home and auto insurance with a bundle in Arkansas varies by company. Here is a breakdown of the rates and savings with top companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$3,119	47	87.4	A++	30%	82.03
Farmers Insurance	$5,551	43	82	A	21%	65.31
Nationwide	$5,418	42	86.6	A	19%	64.47
Allstate	$5,065	39	85	A+	16%	62.8
Auto-Owners	$5,978	49	81.2	A++	11%	58.59
Travelers	$9,128	44	83.6	A++	11%	52.82

What company offers the cheapest home and auto bundles in Arkansas?

State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,966	$1,465	$4,431	$3,119
Allstate	$2,782	$3,237	$6,019	$5,065
Nationwide	$4,845	$1,831	$6,676	$5,418
Farmers Insurance	$5,090	$1,898	$6,988	$5,551
Auto-Owners	$4,508	$2,235	$6,743	$5,978
Travelers	$8,713	$1,509	$10,222	$9,128

Most and least expensive ZIP codes for home and auto insurance bundles in Arkansas

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Arkansas for policyholders who bundle their coverage:

Most expensive ZIP codes

The most expensive ZIP code in Arkansas for bundling home and auto insurance is 72335, with an average cost of $6,513. Here are the 10 most expensive ZIP codes:

ZIP code	Average auto and home after discount	Average difference
72335	$6,513	19%
71801	$6,507	18%
72405	$6,442	18%
72355	$6,426	18%
71635	$6,332	18%
71655	$6,306	18%
72321	$6,244	18%
72301	$6,170	18%
71730	$6,116	18%
72926	$6,051	18%

Least expensive ZIP codes

The least expensive ZIP code in Arkansas for home and auto insurance bundling is 72120 at an average rate of $5,089. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
72120	$5,089	17%
72207	$5,140	17%
72076	$5,210	18%
72205	$5,223	17%
72701	$5,239	17%
72704	$5,241	17%
72223	$5,310	17%
72703	$5,347	17%
72227	$5,363	17%
72212	$5,404	17%

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in Arkansas?

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“Remember when buying insurance that you’re doing so to protect your most valuable assets,” says Christine O’Brien, president of the Insurance Council of New Jersey. “Take the time to learn about policy limits and coverages and get several quotes.”

How can you switch to a home and auto bundle in Arkansas?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.

You might find interesting

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Montana$3,188/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

Washington, D.C.$2,506/Year

West Virginia$2,361/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in Arkansas
Compare home and auto bundles in Arkansas
What company offers the cheapest home and auto bundles in Arkansas?
Most and least expensive ZIP codes for home and auto insurance bundles in Arkansas
Frequently asked questions about home and auto bundle insurance
Methodology