Average Renters Insurance Cost in Arkansas

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Renters insurance costs in Arkansas vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Arkansas pay $406 per year or $34 per month for a policy that includes $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 $406 per year or $34 per month.
Nationwide provides the least expensive renters insurance in Arkansas at an average rate of $203 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

The average cost of renters insurance in Arkansas is $34 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.

Average renters ins cost per month	Difference compared to national average
$34	$10 more

Average renters insurance cost in Arkansas by company

Renters in Arkansas can find the most budget-friendly insurance with Nationwide, which has an average annual cost of $203, according to our data. Other affordable options include Farm Bureau Insurance of Arkansas and State Farm.

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
Nationwide	$203	$17
Farm Bureau Insurance of Arkansas	$206	$17
State Farm	$298	$25
Shelter Insurance	$383	$32
Auto-Owners	$397	$33
Allstate	$454	$38
Farmers	$538	$45
Travelers	$1,194	$99
USAA*	$234	$19

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

Renters insurance calculator in Arkansas

$385/year

Estimated renters insurance rates in Arkansas

$32

Monthly renters insurance cost in Arkansas

43%

Compared to national average

Average cost of renters insurance in Arkansas by coverage level

The average annual cost of renters insurance in Arkansas is $406, 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 $292 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	$299	$25
$20,000 with $500 Deductible and $300,000 Liability	$319	$27
$20,000 with $1,000 Deductible and $100,000 Liability	$272	$23
$20,000 with $1,000 Deductible and $300,000 Liability	$292	$24
$40,000 with $500 Deductible and $100,000 Liability	$421	$35
$40,000 with $500 Deductible and $300,000 Liability	$442	$37
$40,000 with $1,000 Deductible and $100,000 Liability	$385	$32
$40,000 with $1,000 Deductible and $300,000 Liability	$406	$34
$60,000 with $500 Deductible and $100,000 Liability	$541	$45
$60,000 with $500 Deductible and $300,000 Liability	$562	$47
$60,000 with $1,000 Deductible and $100,000 Liability	$497	$41
$60,000 with $1,000 Deductible and $300,000 Liability	$519	$43

Average cost of renters insurance in Arkansas by city

Renters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in 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

The amount Arkansas renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 72717 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $338.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Arkansas.

ZIP code	City	Average annual rate	Average monthly rate
72717	Canehill	$338	$28
72758	Rogers	$340	$28
72712	Bentonville	$341	$28
72747	Maysville	$341	$28
72745	Lowell	$342	$28
72714	Bella Vista	$343	$29
72719	Centerton	$343	$29
72701	Fayetteville	$343	$29
72751	Pea Ridge	$344	$29
72730	Farmington	$345	$29

Least affordable ZIP codes for renters insurance in Arkansas

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Arkansas is 72310, with an average cost of $471 a year or $39 monthly.

We analyzed quotes from multiple insurance providers across every ZIP code in Arkansas. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
72310	Armorel	$471	$39
72325	Clarkedale	$471	$39
72332	Edmondson	$471	$39
72391	West Ridge	$471	$39
72322	Caldwell	$468	$39
72377	Rivervale	$468	$39
72387	Vanndale	$468	$39
72475	Waldenburg	$468	$39
72312	Barton	$466	$39
72341	Haynes	$466	$39

Final thoughts: Average renters insurance in Arkansas

Renters insurance is essential for residents of Arkansas. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

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.