Average Renters Insurance Cost in Arkansas

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In Arkansas, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $363 annually or $30 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.

Key Takeaways

The average cost of renters insurance in Arkansas is $363 per year or $30 per month.
State Farm provides the least expensive renters insurance in Arkansas at an average rate of $210 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Arkansas.

Average renters insurance cost in Arkansas per month

In Arkansas, the average monthly cost of renters insurance is $30. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.

Average renters ins cost per month	Difference compared to national average
$30	$8 more

Average renters insurance cost in Arkansas by company

Renters in Arkansas can find the most budget-friendly insurance with State Farm, which has an average annual cost of $210, according to our data. Other affordable options include Nationwide and Farm Bureau Mutual Ins Co of AR.

It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.

Below are the average annual and monthly renters insurance rates from various insurers in Arkansas.

Company	Average annual rate	Average monthly rate
State Farm	$210	$18
Nationwide	$236	$20
Farm Bureau Mutual Ins Co of AR	$292	$24
Shelter Insurance	$349	$29
Auto-Owners	$397	$33
Farmers	$414	$35
Allstate	$452	$38
Travelers	$965	$80
USAA*	$234	$20

*USAA is only available to military community members and their families.

Renters insurance calculator in Arkansas

$346/year

Estimated renters insurance rates in Arkansas

$29

Monthly renters insurance cost in Arkansas

40%

Compared to national average

Average cost of renters insurance in Arkansas by coverage level

The average annual cost of renters insurance in Arkansas is $363, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $263 a year for renters insurance in Arkansas. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows the average annual renters insurance costs in Arkansas for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$270	$22
$20,000 with $500 Deductible and $300,000 Liability	$286	$24
$20,000 with $1,000 Deductible and $100,000 Liability	$247	$21
$20,000 with $1,000 Deductible and $300,000 Liability	$263	$22
$40,000 with $500 Deductible and $100,000 Liability	$377	$31
$40,000 with $500 Deductible and $300,000 Liability	$394	$33
$40,000 with $1,000 Deductible and $100,000 Liability	$346	$29
$40,000 with $1,000 Deductible and $300,000 Liability	$363	$30
$60,000 with $500 Deductible and $100,000 Liability	$485	$40
$60,000 with $500 Deductible and $300,000 Liability	$502	$42
$60,000 with $1,000 Deductible and $100,000 Liability	$447	$37
$60,000 with $1,000 Deductible and $300,000 Liability	$464	$39

Average cost of renters insurance in Arkansas by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Arkansas.

Renters insurance rates in Arkansas by city

See rates in your city

Fayetteville

Little Rock

Average cost of renters insurance in Arkansas by ZIP code

In Arkansas, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in Arkansas

In Arkansas, your ZIP code plays a major role in determining your premiums. Based on our data, 72717 is the most affordable ZIP code for renters insurance, with an average annual cost of $306.

Comparing quotes from multiple insurers in Arkansas is a smart way to find the best renters insurance rates for your ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
72717	Canehill	$306	$26
72758	Rogers	$308	$26
72703	Fayetteville	$308	$26
72712	Bentonville	$309	$26
72745	Cave Springs	$310	$26
72730	Farmington	$310	$26
72719	Centerton	$310	$26
72762	Elm Springs	$310	$26
72714	Bella Vista	$311	$26
72751	Pea Ridge	$311	$26

Least affordable ZIP codes for renters insurance in Arkansas

72310 is the most expensive ZIP code for renters insurance in Arkansas, at an average cost of $421 annually or $35 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Arkansas. The table below shows the average annual renters insurance rates by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
72310	Armorel	$421	$35
72391	West Ridge	$421	$35
72475	Waldenburg	$418	$35
72377	Rivervale	$417	$35
72332	Edmondson	$417	$35
72325	Clarkedale	$417	$35
72352	La Grange	$415	$35
72341	Haynes	$415	$35
72322	Caldwell	$415	$35
72312	Barton	$415	$35

Final thoughts: Average renters insurance in Arkansas

Renters insurance is a must-have for renters in Arkansas. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.