Best and cheapest companies for home and auto bundles in Arkansas

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Bundling home and auto insurance in Arkansas can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, State Farm offers the highest percentage savings, while State Farm delivers the cheapest bundled rates.

Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. The right choice depends on your home value, driving profile and where you live within Arkansas.

What you need to know about bundling in Arkansas

Bundling allows you to purchase home and auto insurance from the same company and receive a discount on your policies.
State Farm has the highest bundle discount in Arkansas, averaging 26%
The largest discount doesn’t always lead to the lowest total premium
Your ZIP code within Arkansas can significantly impact your savings
Bundling is often more convenient and can save money, but it’s not always the cheapest option

Which companies offer the best home and auto bundles in Arkansas? Here’s our pick

Travelers, State Farm and Shelter Insurance rank among the best home and auto bundle companies in Arkansas, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Arkansas:

Travelers

The average bundle discount at Travelers is $521, or 10%. Most Travelers policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $5,286.

State Farm

The average bundle discount at State Farm is $1,518, or 26%. For policyholders who carry both home and auto with State Farm, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $5,821 for coverage.

Shelter Insurance

The average bundle discount at Shelter Insurance is $1,184, or 16%. Bundling with Shelter Insurance also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $7,518.

Nationwide

The average bundle discount at Nationwide is $1,070, or 18%. Before the discount, the average cost of home and auto insurance is $5,903.

Farmers

The average bundle discount at Farmers is $1,539, or 22%. Before the discount, customers see average rates of $6,925.

People also ask:

Who has the cheapest home and auto bundle in Arkansas?

State Farm typically provides the most affordable home and auto bundle in Arkansas, with average premiums around $4,303.

How much can you save by bundling home and auto insurance in Arkansas?

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in Arkansas?

Home and auto bundle rates in Arkansas vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

Here’s how rates and savings compare across top insurers in Arkansas:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Travelers	A++	A++	$1,660	$3,626	0.63	0.91	$4,765	4.52
State Farm	A+	A+	$2,594	$3,227	0.87	1.15	$4,303	4.31
Shelter Insurance	A	A	$2,448	$5,070	0.44	0.39	$6,334	4.20
Nationwide	A	A	$2,468	$3,435	0.64	1.34	$4,833	4.10
Farmers	A	A	$3,108	$3,817	1.24	0.89	$5,386	3.81
Auto-Owners	A+	A+	$2,842	$7,322	0.44	0.39	$9,033	3.50
Allstate	A+	A+	$4,880	$3,925	1.20	1.26	$7,326	3.19

Bundle savings can vary more than you expect

Two insurers may advertise similar discounts but still produce very different final premiums depending on their starting rates. Always ask for the total combined annual cost of both policies after discounts are applied – not just the discount percentage – before deciding where to bundle. The company with the biggest advertised savings isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Arkansas?

State Farm offers the cheapest home and auto bundle in Arkansas, with the lowest overall premium. If you’re looking to maximize savings through discounts, State Farm provides the highest percentage reduction.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest total cost or the largest discount.

Here’s how the cheapest bundle options compare in Arkansas:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$3,227	$2,594	$5,821	$4,303
Travelers	$3,626	$1,660	$5,286	$4,765
Nationwide	$3,435	$2,468	$5,903	$4,833
Farmers	$3,817	$3,108	$6,925	$5,386
Shelter Insurance	$5,070	$2,448	$7,518	$6,334
Allstate	$3,925	$4,880	$8,805	$7,326
Auto-Owners	$7,322	$2,842	$10,164	$9,033

Cheapest doesn’t always mean best value

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in Arkansas?

The most expensive ZIP code for home and auto bundles in Arkansas is 72355, with average rates of $6,561, while the cheapest is 72704, where average premiums drop to $5,040. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in Arkansas for home and auto insurance bundling is 72355 at an average rate of $6,561.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
72355	$6,561	$1,188	15%
71635	$6,530	$1,177	15%
71801	$6,358	$1,168	16%
72321	$6,237	$1,128	15%
72364	$6,197	$1,117	15%
71730	$6,177	$1,132	15%
72209	$6,119	$1,111	15%
72204	$6,069	$1,099	15%
72335	$6,048	$1,112	16%
71655	$6,031	$1,094	15%

Top ten cheapest ZIP codes

The least expensive ZIP code in Arkansas for home and auto insurance bundling is 72704 at an average rate of $5,040.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
72704	$5,040	$895	15%
72207	$5,063	$901	15%
72703	$5,090	$903	15%
72701	$5,105	$908	15%
72727	$5,140	$905	15%
72120	$5,166	$918	15%
72227	$5,205	$926	15%
72205	$5,254	$931	15%
72026	$5,306	$970	15%
72103	$5,321	$938	15%

Location can impact your premium more than you might expect

Local risk factors such as weather exposure, crime rates and rebuilding costs can create significant price differences even within the same city. Two homes located close to each other but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is typical, check whether your ZIP code is driving it higher – and if you’re planning to move, compare insurance rates for your new address before finalizing your decision.

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

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. We also reviewed bundle discount percentages based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 7 companies and 47 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Arkansas can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

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

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

$3,357/Year

Show more states

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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.

On this page

Which companies offer the best home and auto bundles in Arkansas? Here's our pick
How do home and auto bundle rates compare in Arkansas?
What is the cheapest home and auto bundles in Arkansas?
Which ZIP codes are most and least expensive in Arkansas?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Arkansas