Average renters insurance cost in Arkansas

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Renters insurance in Arkansas costs an average of $406 per year, or $34 per month. That’s for a standard policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible – a solid starting point for most renters.

Your actual rate depends on how much coverage you choose, which insurance company you go with, and personal factors like your ZIP code, claims history, and in some states, credit score

How much does renters insurance cost in Arkansas?

At $34 per month, renters insurance in Arkansas is based on a policy with $40,000 in personal property coverage and $300,000 in liability protection. Your premium will shift depending on your location, the coverage limits you set, and the total worth of your possessions. Shopping around and comparing quotes from different insurers is one of the most effective ways to keep costs manageable.

It’s worth remembering that a higher deductible might reduce your monthly premium, while broader coverage for valuables such as electronics or jewelry will increase it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Arkansas: Where to start

On average, renters insurance in Arkansas costs $406 per year, or $34 per month
Among all providers in Arkansas, Nationwide consistently comes in with the lowest average rates – around $203 per year
Because premiums can vary significantly from one insurer to the next, comparing multiple quotes before settling on a policy is always a good idea

Which companies offer the cheapest renters insurance in Arkansas?

Among insurers operating in Arkansas, Nationwide has the lowest average annual premium at $203. Farm Bureau Insurance of Arkansas and State Farm are also worth a look if keeping premiums low is a priority.

That said, price alone shouldn’t drive your decision. It’s equally important to weigh coverage limits, deductible options, and any discounts available to you. The table below lays out average annual and monthly 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.

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history and other rating factors.

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

How much does renters insurance cost by coverage level in Arkansas?

At the standard coverage level – $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – renters insurance in Arkansas averages $406 per year.

If you reduce your personal property coverage to $20,000, that average drops to around $292 annually. Before making that adjustment, it’s worth confirming that $20,000 would genuinely cover the cost of replacing your belongings.

The table below compares average annual renters insurance costs in Arkansas at both the $20,000 and $40,000 coverage levels.

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

People also ask: How much renters insurance coverage do I need?

Coverage needs vary from person to person, but a common starting range is $20,000 to $40,000 in personal property protection and at least $300,000 in liability coverage. The right amount ultimately comes down to the value of what you own, whether any of your items warrant separate endorsements, and how much of a financial cushion you want between you and an unexpected loss.

How much does renters insurance cost by city in Arkansas?

Your city within Arkansas can have a real impact on your renters insurance premium. Insurers factor in local variables like crime statistics, weather history, and how urban or suburban an area is when setting rates.

Here’s how average renters insurance costs break down across major cities in Arkansas.

Renters insurance rates in Arkansas by city

See rates in your city

Fayetteville

Little Rock

Does your ZIP code affect renters insurance rates in Arkansas?

When it comes to pricing renters insurance, your ZIP code carries a lot of weight. Insurers look at the risk profile of your specific area – including local theft levels, weather exposure, and claims history – to determine your rate. Two renters with identical policies can pay very different premiums simply because of where they live.

Across Arkansas, annual premiums range from around $338 in 72717 to $471 in 72310. The cheapest and most expensive ZIP codes in Arkansas are listed below.

Why your ZIP code affects renters insurance costs

Renters insurance premiums are calculated using localized risk data, so rates can vary considerably depending on your neighborhood and ZIP code.

Factors that influence pricing include:

Local rates of theft and vandalism
Exposure to weather events such as wildfires, floods, or hurricanes
Fire incident history and repair costs in your area

A change of just a few ZIP codes can meaningfully affect your monthly rate.

What are the most affordable ZIP codes for renters insurance in Arkansas?

Among all ZIP codes in Arkansas, 72717 has the lowest average annual renters insurance rate at $338.

Lower theft rates and fewer weather-related claims are the main drivers behind more affordable premiums in these areas.

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

What are the least affordable ZIP codes for renters insurance in Arkansas?

72310 carries the highest average renters insurance cost in Arkansas at $471 per year, or $39 per month.

Below are average annual renters insurance rates for every ZIP code in Arkansas.

How to lower your renters insurance, even in a high-cost ZIP code

Compare quotes from a minimum of 3 insurers – pricing for the same coverage can vary by over $100 within a single ZIP code
Bundle renters and auto insurance with the same provider to unlock savings of 5% to 15%
Look into discounts tied to safety features. Smoke detectors, deadbolts, security cameras, and smart home systems can all qualify
Consider raising your deductible to $1,000 if it’s currently $500 – the savings can be around 10% annually
Ask your insurer about claims-free discounts if you’ve gone 3 or more years without filing

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

Is renters insurance worth it in Arkansas?

For most renters in Arkansas, renters insurance is well worth having. It protects your belongings against fire, theft, vandalism, and certain natural disasters, while also providing liability coverage if someone is injured in your home.

According to the US Department of Commerce, the US Census Bureau and American Community Survey – over 48% of renter households in the US spend more than 30% of their income on rent and utilities, which means even smaller ongoing expenses like insurance are worth managing carefully.

Finding the right policy comes down to shopping around. Price matters, but it’s also important to review coverage options, deductibles, and customer satisfaction. Paying slightly more for better coverage can make a real difference when you need to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance generally covers three things: your personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable after a covered event. It can help with losses from fire, theft, and vandalism, as well as legal or medical costs if a visitor is injured on your property. Coverage specifics differ by policy, so reviewing your limits and exclusions carefully is important.

Do I really need renters insurance in Arkansas?

There’s no universal legal requirement for renters insurance, but the protection it offers is hard to replicate on your own. A single incident – whether it’s a break-in, a fire, or accidental damage – can result in thousands of dollars in losses. Renters insurance covers those costs so you’re not paying out of pocket. It’s also increasingly common for landlords in Arkansas to require it as part of the lease agreement.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

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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.