Best and cheapest companies for home and auto bundles in Arkansas

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When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Arkansas to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in Arkansas when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 30%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Arkansas. On average, you will pay $3,119 when you bundle.

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 assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Arkansas for home and auto bundling.

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

The average bundle discount at Farmers Insurance is $1,437, or 21%. Without a bundle discount, customers pay $6,988 for coverage. After the bundle discount, customers pay $5,551 on average. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.

Nationwide

Bundling auto and home insurance with Nationwide can save an average of $1,258, or 19%. Without the discount, the coverage costs $6,676, but after the discount, it’s only $5,418.

Allstate

Allstate offers an average bundle discount of $954, which is about 16%. Without the discount, the combined cost of home and auto insurance is $6,019. After applying the discount, the total cost drops to $5,065.

Auto-Owners

Auto-Owners provides an average bundle discount of $765, or 11%. Before the discount, the average cost for coverage is $6,743. After applying the discount, the cost comes down to $5,978.

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

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

State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when 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

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Arkansas.

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 policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

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.

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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.