Below are our picks for Arkansas' best home and auto insurance bundling companies.
Best Home and Auto Insurance in Arkansas
Updated: April 8, 2025
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Key Takeaways
USAA, Nationwide and State Farm are the top companies for home and auto insurance in Arkansas.
State Farm offers the best home and auto insurance discount, with savings of 19% on auto insurance and 35% on home insurance.
The average annual cost of home and auto insurance in Arkansas is $4,074, about 32% higher than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Arkansas?
| USAA | 95 | $2,715 | $337 |
| Auto-Owners | 91 | $4,229 | $449 |
| State Farm | 82 | $2,462 | $1,080 |
| Nationwide | 82 | $3,721 | $865 |
| Farmers | 76 | $3,089 | $808 |
| Allstate | 71 | $4,043 | $649 |
| Travelers | 70 | $8,257 | $863 |
State Farm: Best Cheap Home and Auto Insurance in Arkansas
State Farm is the most affordable provider in Arkansas, saving customers $1,080 annually by bundling home and auto insurance. Customers can save even more by taking advantage of discounts, including Drive Safe and Save, a telematics program that can save up to 30% on car insurance. State Farm ranks fifth for auto insurance and seventh for home insurance in customer satisfaction, according to J.D. Power.
| Auto | $821 | $197 | 19% |
| Home | $1,641 | $883 | 35% |
USAA: Best Home and Auto Insurance in Arkansas for Military
For military members and their families in Arkansas, USAA is the best option for home and auto insurance, offering the second most affordable rates in the state. USAA also provides various discounts, including for good students and for keeping your car on a military base. J.D. Power ranks USAA #1 for customer satisfaction in both home and auto insurance.
| Auto | $653 | $20 | 3% |
| Home | $2,062 | $318 | 13% |
Nationwide: Best Home and Auto Insurance Coverage in Arkansas
Nationwide may not be the most affordable option for bundling home and auto insurance, but it offers great discounts and a wide range of coverage add-ons. Its DriveWise program can save up to 40% on premiums. Nationwide also provides special coverage options, including a disappearing deductible, accident forgiveness and home equipment breakdown coverage.
| Auto | $1,046 | $32 | 3% |
| Home | $2,675 | $833 | 24% |
Arkansas Home and Auto Insurance Cost
The average monthly cost of home and auto insurance in Arkansas is $340, above the national average of $258. Monthly rates vary by insurer, ranging from $205 to $688.
| Arkansas home and auto insurance bundle | $4,074 | $-980 | 32% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Arkansas Home and Auto Insurance Quotes Without Bundling
Our research shows that not bundling home and auto insurance is generally more expensive in Arkansas, but your quotes may vary. Below are the average costs of all coverage combinations with our top providers, from cheapest to most expensive.
| USAA | State Farm | $3,197 |
| USAA | Farmers | $3,299 |
| Auto-Owners | USAA | $3,394 |
| State Farm | USAA | $3,397 |
| Nationwide | USAA | $3,457 |
| Auto-Owners | State Farm | $3,539 |
| Travelers | USAA | $3,557 |
| Nationwide | State Farm | $3,602 |
| Allstate | USAA | $3,616 |
| Auto-Owners | Farmers | $3,641 |
| State Farm | Farmers | $3,643 |
| Farmers | USAA | $3,650 |
| Travelers | State Farm | $3,702 |
| Nationwide | Farmers | $3,704 |
| Allstate | State Farm | $3,761 |
| Farmers | State Farm | $3,795 |
| Travelers | Farmers | $3,803 |
| Allstate | Farmers | $3,862 |
| USAA | Allstate | $4,128 |
| USAA | Nationwide | $4,181 |
| USAA | Auto-Owners | $4,336 |
| Auto-Owners | Allstate | $4,470 |
| State Farm | Allstate | $4,473 |
| Auto-Owners | Nationwide | $4,523 |
| State Farm | Nationwide | $4,526 |
| Nationwide | Allstate | $4,533 |
| Travelers | Allstate | $4,633 |
| State Farm | Auto-Owners | $4,681 |
| Travelers | Nationwide | $4,686 |
| Farmers | Allstate | $4,726 |
| Nationwide | Auto-Owners | $4,741 |
| Allstate | Nationwide | $4,745 |
| Farmers | Nationwide | $4,779 |
| Travelers | Auto-Owners | $4,841 |
| Allstate | Auto-Owners | $4,900 |
| Farmers | Auto-Owners | $4,934 |
| USAA | Travelers | $8,616 |
| Auto-Owners | Travelers | $8,958 |
| State Farm | Travelers | $8,961 |
| Nationwide | Travelers | $9,021 |
| Allstate | Travelers | $9,180 |
| Farmers | Travelers | $9,214 |
Should I Bundle Home and Auto Insurance in Arkansas?
In Arkansas, bundling home and auto insurance is often more affordable than buying from separate providers. However, assess your coverage needs and financial situation to find the best option.
Bundling discounts save you more than individual policies
In Arkansas, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $3,197, while bundling brings it down to $2,462.
Bundling makes policy management convenient
Bundling insurance policies makes managing your insurance easier since it’s through a single account.
In rare cases, it might be better not to bundle in Arkansas
Buying a non-bundle insurance option may not save you money, but it offers more flexibility in coverage.
Best Auto and Home Insurance in Arkansas: Bottom Line
State Farm, USAA and Nationwide are the top companies for bundling home and auto insurance in Arkansas. Bundling can save more money than buying separate policies. Compare quotes from multiple companies to find the best deal for your needs.
Home and Auto Insurance in Arkansas: FAQ
Find expert answers to common Arkansas home and auto insurance questions here:
Who has the best home and auto insurance in Arkansas?
State Farm is the cheapest home and auto insurance provider in Arkansas, while USAA is the top choice for military members and their families. For the most coverage options, Nationwide is the best option in the state.
Who has the cheapest home and auto insurance in Arkansas?
State Farm offers the most affordable home and auto insurance bundle in Arkansas, with an annual premium of $2,462. Policyholders save an average of $1,080 compared to the state average.
How much does home and auto insurance in Arkansas cost on average?
Arkansas' average annual premium for a home and auto insurance bundle is $4,074, about 32% higher than the national average. The most affordable bundling rate is around $2,462, while the highest is about $8,257.
Is bundling home and auto insurance cheaper in Arkansas?
Bundling home and auto insurance is cheaper in Arkansas. While the lowest option may be tempting, ensure it provides adequate financial protection.
Best Auto and Home Insurance Bundle in Arkansas: Our Methodology
MoneyGeek used data from the Arkansas Insurance Department and Quadrant Information Services to calculate home and auto insurance rates.
Bundle Scoring System
We combined this data with customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to generate individual scores for home and auto insurance. We also considered each insurer's bundle discounts to evaluate their savings potential.
Using this information, we calculated a “bundle score” out of 100 based on the following weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Arkansas
MoneyGeek’s typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Arkansas
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.