Best and cheapest home insurance in Arkansas for 2024

Average home insurance cost in Arkansas

The average cost of homeowners insurance in Arkansas is $3,958 a year or $330 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Arkansas homeowners insurance companies to get the best deal.

Best home insurance companies in Arkansas

The best home insurance company in Arkansas is Auto-Owners, followed by State Farm and Nationwide.

Below is a full list of the top Arkansas insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

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Table

Best home insurance companies in Arkansas
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Auto-Owners	A++	0.37	4.68	$5,533
State Farm	A++	0.83	4.58	$3,199
Nationwide	A+	1.05	3.83	$3,741
Farmers	A	0.67	3.55	$4,578
Allstate	A+	1.46	3.55	$3,418
Travelers	A++	1.1	2.6	$9,602

Data updated in 2024

Cheapest home insurance companies in Arkansas

Below are Arkansas home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see State Farm has the most affordable rates in most categories.

Cheapest home insurance rates in Arkansas by coverage level
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
State Farm	$2,479	$3,199	$3,915	$5,457	$8,229
Farm Bureau Mutual Ins Co of AR	$2,605	$3,390	$4,106	$5,462	$7,061
Allstate	$2,896	$3,418	$3,966	$5,147	$7,615
USAA*	$2,862	$3,626	$4,262	$5,426	$7,553
Nationwide	$2,713	$3,741	$4,715	$6,596	$10,419
Shelter Insurance	$3,112	$4,089	$5,144	$7,320	$11,452
Farmers	$3,679	$4,578	$5,470	$9,495	$16,402
Auto-Owners	$4,282	$5,533	$6,861	$9,903	$19,087
Travelers	$9,402	$9,602	$11,806	$20,018	$33,977

Data updated in 2024

*USAA is only available to military members and their families

Arkansas home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Arkansas to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

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Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

Read our methodology

The Arkansas Insurance Department says...

Make sure your dwelling policy limits are at least 80% of the replacement cost of your home. If you do not have a recent appraisal, ask your agent to help you.

- The Arkansas Insurance Department

The most expensive ZIP codes in Arkansas for home insurance

Arkansas homeowners insurance rates are the most expensive for ZIP code 72536, with an average annual cost of $5,440.

The most expensive ZIP codes in Arkansas are:

ZIP code	Average Annual Premium
72536	$5,440
72517	$5,341
72577	$5,256
72540	$5,255
72573	$5,229
72561	$4,994

Data updated in 2024

Arkansas homeowners insurance rates by county

County	Average annual premium	Average monthly premium
Arkansas	$3,721	$310
Ashley	$4,091	$341
Baxter	$4,038	$336
Benton	$3,582	$299
Boone	$4,164	$347
Bradley	$3,911	$326
Calhoun	$3,983	$332
Carroll	$3,738	$311
Chicot	$4,142	$345
Clark	$3,881	$323
Clay	$3,955	$330
Cleburne	$4,004	$334
Cleveland	$3,868	$322
Columbia	$3,882	$323
Conway	$4,076	$340
Craighead	$4,155	$346
Crawford	$3,928	$327
Crittenden	$3,897	$325
Cross	$3,992	$333
Dallas	$3,934	$328
Desha	$3,936	$328
Drew	$3,931	$328
Faulkner	$3,904	$325
Franklin	$4,249	$354
Fulton	$4,467	$372
Garland	$4,022	$335
Grant	$3,660	$305
Greene	$4,288	$357
Hempstead	$4,141	$345
Hot Spring	$3,761	$313
Howard	$4,071	$339
Independence	$4,012	$334
Izard	$4,925	$410
Jackson	$3,903	$325
Jefferson	$3,910	$326
Johnson	$4,186	$349
Lafayette	$4,029	$336
Lawrence	$3,884	$324
Lee	$3,936	$328
Lincoln	$3,842	$320
Little River	$4,009	$334
Logan	$3,825	$319
Lonoke	$3,764	$314
Madison	$3,559	$297
Marion	$4,063	$339
Miller	$3,963	$330
Mississippi	$3,944	$329
Monroe	$3,931	$328
Montgomery	$3,816	$318
Nevada	$4,099	$342
Newton	$4,159	$347
Ouachita	$3,999	$333
Perry	$3,574	$298
Phillips	$3,876	$323
Pike	$3,922	$327
Poinsett	$3,991	$333
Polk	$3,930	$327
Pope	$4,051	$338
Prairie	$3,715	$310
Pulaski	$3,787	$316
Randolph	$3,766	$314
Saline	$3,975	$331
Scott	$3,850	$321
Searcy	$4,178	$348
Sebastian	$3,846	$320
Sevier	$4,134	$345
Sharp	$4,265	$355
St. Francis	$3,989	$332
Stone	$4,429	$369
Union	$3,890	$324
Van Buren	$4,094	$341
Washington	$3,623	$302
White	$3,706	$309
Woodruff	$3,872	$323
Yell	$3,805	$317