Arkansas homeowners insurance calculator

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The average annual cost of homeowners insurance in Arkansas is $3,733, but what you pay will depend on factors like your home’s location, replacement cost, coverage limits, and deductible.

Our Arkansas homeowners insurance calculator is a good starting point if you want a general sense of what insuring your home might cost. It shows how dwelling coverage, liability limits, and deductible choices influence your premium, and lets you compare rates across insurers and against the state average.

Whether you’re purchasing a home, revisiting your current policy, or looking for a better rate, the calculator helps set realistic expectations before you start collecting quotes.

How can I lower my homeowners insurance premium in Arkansas?

Get quotes from more than one insurer – pricing for the same level of coverage can vary considerably from provider to provider.
Look at raising your deductible – a higher amount out of pocket in a claim generally results in a lower annual premium.
Combine your home and auto insurance with one provider to qualify for a multi-policy discount.
Consider installing safety features such as smoke alarms, deadbolt locks, or a monitored security system, which many insurers recognize with a discount.

How to use the Arkansas home insurance calculator

Our calculator is built to give you a fast, personalized cost estimate for homeowners insurance in Arkansas. Enter a few key details, and you’ll have a working figure in minutes. Here’s how:

Select your state. Choose Arkansas to pull rates relevant to your location.
Enter your dwelling coverage amount. This reflects what it would cost to fully rebuild your home.
Choose your liability limit. This covers you if someone is injured on your property or you accidentally damage someone else’s belongings.
Set your deductible. The amount you’d pay out of pocket before your policy kicks in.

Once you’ve filled in your details, the calculator will display:

The average annual homeowners insurance rate in Arkansas
The highest and lowest rates found in our data
A list of insurers in Arkansas alongside their typical annual premiums

It’s a practical way to get a cost estimate and size up your options.

Arkansas home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Arkansas

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Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)

Average annual home insurance rates in
Arkansas

$3,568 Average rate

Average rate

$3,568/Yr

Lowest rate

$2,340/Yr

Highest rate

$6,129/Yr

Rates by carriers in Arkansas

Company	Average annual rate
Farm Bureau Insurance of Arkansas	$2,340
State Farm	$2,939
Nationwide	$3,096
USAA	$3,232
Farmers	$3,267
Travelers	$3,307
Allstate	$3,837
Shelter Insurance	$3,969
Auto-Owners	$6,129

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

The average homeowners insurance premium in Arkansas is $3,733 per year, which is more expensive than the national average of $2,543.
Premiums vary depending on your home’s location, age, size, estimated rebuild cost, and the coverage limits you choose.
Floods, earthquakes, and similar climate-related events are not covered under a standard homeowners policy – residents in high-risk areas should look into separate coverage.
Because rates differ meaningfully between insurers, shopping around and comparing quotes is one of the most effective ways to reduce costs.

What affects your homeowners insurance premium?

Your premium is determined by a mix of property-specific and personal factors, including where your home is located, how it was built, your claims history, and the coverage selections you make.

Dwelling coverage. Reflects the estimated expense of rebuilding your home, factoring in square footage, construction materials, and local labor and material costs.
Liability coverage. Protects you financially if someone sustains an injury on your property or you’re held responsible for damaging someone else’s property.
Deductible. The amount you pay out of pocket before your insurer covers the remainder of a claim. A higher deductible reduces your premium but increases your exposure when a claim occurs.

Check your credit score

Some states allow insurers to factor in a credit-based insurance score when pricing policies, and the impact can be significant. Where permitted, maintaining a solid credit profile – keeping debt manageable and paying bills on time – can translate directly into a more affordable premium at renewal.

How does dwelling coverage affect homeowners insurance in Arkansas?

Dwelling coverage is what funds the repair or rebuilding of your home after a covered loss. The coverage amount you select has a direct bearing on your premium – higher coverage generally means higher costs. That said, it’s important to choose an amount that would genuinely cover a full rebuild, so you’re not left short if a major loss occurs.

The table below shows average annual and monthly premiums at various dwelling coverage levels.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$2,914	$243
$300,000	$3,733	$311
$400,000	$4,540	$378
$600,000	$6,223	$519
$1,000,000	$8,829	$736

Average cost of homeowners insurance in Arkansas

The average homeowners insurance premium in Arkansas is $3,733 per year, which is more expensive than the national average of $2,543.

This figure is based on a standard policy with:

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

What you actually pay will depend on a range of factors specific to your property and location, including your home’s age, size, and estimated cost to rebuild.

Average cost of home insurance in major Arkansas cities

Homeowners insurance costs in Arkansas can look very different depending on where you live. Homeowners in North Little Rock pay some of the lowest rates in the state, while those in Jonesboro pay some of the highest.

The table below highlights the average annual rates in major cities across Arkansas.

City	Average annual rate	Average monthly rate
Bentonville	$3,491	$291
Conway	$3,317	$276
Fayetteville	$3,178	$265
Fort Smith	$3,634	$303
Jonesboro	$3,648	$304
Little Rock	$3,229	$269
North Little Rock	$2,929	$244
Pine Bluff	$3,155	$263
Rogers	$3,101	$258
Springdale	$3,139	$262

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 do natural disasters affect homeowners insurance rates in Arkansas?

The natural hazard risk associated with your home’s location is a key factor in how insurers price your policy. Homes in areas with frequent flooding, wildfire activity, hurricanes, or tornadoes are considered higher risk and typically come with higher premiums as a result.

What’s equally important to understand is that standard home insurance policies don’t cover these events. Depending on where you live in Arkansas, you may need to purchase separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

The added cost of this coverage is real, but so is the financial exposure of going without it after a serious disaster.

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Arkansas?

The average homeowners insurance premium in Arkansas is $3,733 per year. Your actual rate will vary based on your home’s location, age, construction type, replacement cost, and the coverage limits and deductible you select.

How much homeowners insurance coverage do I need in Arkansas?

Your dwelling coverage should be sufficient to fully rebuild your home in the event of a total loss. For liability, a limit that covers your assets in the event of an injury or property damage claim is a sensible starting point. If you have significant savings or valuable property, higher limits and additional endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes. Opting for a higher deductible reduces your premium because you’re taking on a greater share of the initial cost if a claim arises. Just make sure the deductible you choose is an amount you could comfortably cover out of pocket if needed.

Methodology

Insure.com commissioned homeowners insurance rates from Quadrant Data Services in late 2025, covering policies with dwelling coverage ranging from $200,000 to $1 million and liability coverage of $100,000 and $300,000. Sample rates were based on a $1,000 deductible and a 2% hurricane deductible where applicable.

Calculate home insurance premium in other 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.