Best and cheapest companies for home and auto bundles in Arkansas

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Arkansas insurers to help you find the carriers that offer the most affordable rates after bundling.

In Arkansas, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 30%.

State Farm provides the lowest bundled rate in Arkansas, with an average cost of $3,119 for combining your home and auto policies.

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

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.

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

The average bundle discount at State Farm is $1,312, or 30%. Before the bundle discount is added, the average cost of home and auto insurance is $4,431. After getting a bundle discount, the cost drops to $3,119. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Farmers Insurance

Farmers Insurance offers an average bundle discount of $1,437, or 21%. Before the bundle discount, you’ll pay an average of $6,988, which will decrease to $5,551 after the discount is applied.

Nationwide

Nationwide offers an average discount of $1,258 when you bundle your auto and home insurance, which is about 19%. Without the discount, the average cost is $6,676, but with the discount, it drops to $5,418.

Allstate

The average bundle discount at Allstate is $954, or 16%. Before the discount is added, the average cost of home and auto insurance is $6,019. After adding the bundle discount, the average cost is $5,065. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and at No. 5 in the Best Home Insurance Companies ranking.

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

Bundling your home and auto insurance in Arkansas can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

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?

If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.

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 bundling home and auto insurance

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

Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.

However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.

It’s also possible that a company has the right coverage for one type of insurance but not for the other.

Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.

“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 bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.

However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.

But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered.

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.

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.