Best Home and Auto Insurance Bundle in Arkansas

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Updated: May 3, 2026

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Key Takeaways
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Farmers earns the top MoneyGeek score of 4.9 out of 5 for home and auto bundles in Arkansas, with an annual bundled premium of $4,328, the most affordable among the insurers we ranked.

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Nationwide offers the highest bundle discount in Arkansas at 20%, saving policyholders $1,152 per year when they combine home and auto coverage.

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A bigger discount does not guarantee the lowest total bill. In Arkansas, Travelers carries the largest dollar savings at $1,465 but charges an annual bundled premium of $13,921, more than three times Farmers' $4,328 total cost.

Best Home and Auto Bundle Insurance in Arkansas

Farmers earns the top spot in Arkansas with a 4.9/5 MoneyGeek score and a $4,328 annual bundled premium, based on 250 quotes across five ZIP codes. That score places Farmers among the highest-rated bundle carriers in our full 50-state analysis — a meaningful benchmark in a state where tornado and severe storm exposure keeps home premiums above the national median.

The discount picture tells a different story than the rankings. Nationwide leads on percentage savings at 20%, worth $1,152 annually, but shoppers should compare total premiums before treating discount size as the deciding factor. Arkansas's top providers rank competitively against the best home and auto bundles nationally, with Farmers' score matching what top-rated carriers earn in lower-risk states.

Farmers4.86$4,32819%
Nationwide4.69$4,69820%
Allstate4.65$5,60414%
Travelers4.38$13,92110%

To learn more about how we rank the top home and auto insurance bundles, see our methodology.

Top 3 Home and Auto Bundle Companies in Arkansas

The three highest-rated home and auto bundle providers in Arkansas are Farmers, Nationwide, and Allstate. Farmers leads on both score and price, offering the lowest annual bundled premium at $4,328 with a MoneyGeek score of 4.9 out of 5. Nationwide has the highest bundle discount in the state at 20%, saving policyholders $1,152 per year. Allstate rounds out the top three with broad availability across Arkansas, including the tornado-prone regions of the state's central and western corridors.

Farmers

Farmers

MoneyGeek Rating
4.9/ 5
4.9/5Affordability
4.8/5Customer Experience
4.8/5Coverage

  • Annual Bundle Premium

    $4,327

  • Monthly Bundle Premium

    $361

  • Bundled Savings

    19%
Nationwide

Nationwide

MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.7/5Coverage

  • Annual Bundle Premium

    $4,698

  • Monthly Bundle Premium

    $392

  • Bundled Savings

    20%
Allstate

Allstate

MoneyGeek Rating
4.7/ 5
4.5/5Affordability
4.6/5Customer Experience
4.8/5Coverage

  • Annual Bundle Premium

    $5,604

  • Monthly Bundle Premium

    $467

  • Bundled Savings

    14%

Cheapest Home and Auto Bundle in Arkansas

Farmers offers the cheapest home and auto bundle in Arkansas at $4,328 per year, making it the most affordable option for a 40-year-old with good credit and standard coverage. Nationwide leads on bundle discount percentage at 20%, saving $1,152 annually, but its total bundled cost of $4,698 is $370 more than Farmers per year. Our data shows that chasing the largest discount does not always produce the lowest bill: Travelers' 10% discount generates the most dollar savings at $1,465, yet its total annual bundle cost of $13,921 far exceeds every other provider in my Arkansas analysis.

Farmers$4,328$1,012
Nationwide$4,698$1,152
Allstate$5,604$904
Travelers$13,921$1,465

*Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.

Companies Offering the Biggest Bundle Discount in Arkansas

Nationwide offers the highest bundle discount percentage in Arkansas at 20%, saving policyholders $1,152 per year. Travelers produces the largest dollar savings at $1,465, though its 10% discount rate is the lowest among ranked providers, a reflection of its much higher base premium of $13,921. This illustrates a key distinction for Arkansas shoppers: a higher discount percentage does not always mean more money saved in absolute terms, and a large dollar savings figure does not guarantee a competitive total price.

Nationwide20%$1,152$4,698
Farmers19%$1,012$4,328
Allstate14%$904$5,604
Travelers10%$1,465$13,921

*Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.

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FINDING HOME AND AUTO BUNDLE INSURANCE IN ARKANSAS

Arkansas sits within Tornado Alley, and the state's severe weather exposure, including tornadoes, hail, and high winds, has led some national insurers to impose restrictions on new homeowners policies in high-risk ZIP codes. This can affect your ability to bundle, since a bundled discount requires both policies to be placed with the same carrier. All four providers in my Arkansas analysis, Farmers, Nationwide, Allstate and Travelers are actively writing homeowners policies in the state at the time of our analysis. If you are in a high-risk area and encounter coverage restrictions, the Arkansas FAIR Plan can serve as a last-resort option for property coverage, though it does not offer bundling benefits.

How to Get Cheap Home and Auto Bundle Insurance in Arkansas

Arkansas homeowners pay above-average home insurance costs driven by the state's position in Tornado Alley, where severe storms, hail, and high winds push property premiums higher than in most comparable states. Since home insurance is typically the larger share of a bundled premium, reducing it is the most effective lever for lowering your total annual cost.

  1. 1

    Choose a Higher Deductible

    Raising your home deductible from $500 to $1,000 can meaningfully reduce your annual home premium, a particularly valuable move in Arkansas, where elevated property rates make every reduction count. The same logic applies to your auto comprehensive and collision deductibles. Before switching, make sure you have enough cash reserves to cover the higher out-of-pocket amount if you need to file a claim.

  2. 2

    Try a Telematics Auto Program

    Telematics programs track driving behavior, including speed, hard braking, and mileage, and can lower your auto rate based on how safely you drive. Nationwide's SmartRide program is available in Arkansas and can produce meaningful auto savings that stack on top of your existing bundle discount. Progressive's Snapshot program is another option if you are considering switching carriers.

  3. 3

    Add Storm-Resistant Home Features

    Arkansas's location in Tornado Alley means home insurers weigh wind and hail risk heavily when setting premiums. Installing a storm-resistant roof, impact-resistant windows, or other wind mitigation improvements can qualify you for home insurance discounts at renewal. Farmers and Allstate both offer credits for qualifying home safety upgrades in Arkansas, and these credits stack with your existing bundle savings.

  4. 4

    Compare Quotes When Your Policy Renews

    Among the four Arkansas providers I analyzed, annual bundled premiums range from $4,328 (Farmers) to $13,921 (Travelers), a spread of nearly $9,593 per year for the same coverage profile. Comparing bundled quotes at renewal takes less time than most homeowners expect and can produce real, immediate savings. Even switching from Allstate ($5,604) to Farmers ($4,328) would save $1,276 per year.

Home and Auto Bundle Insurance in Arkansas: FAQ

Here are answers to the questions Arkansas residents ask most about bundling home and auto insurance.

Does Arkansas's tornado risk affect home and auto bundle rates?

Which company has the best bundle in Arkansas for homeowners who want more coverage?

Should I bundle home and auto insurance in Arkansas?

How do I know if my bundle discount is actually saving me money?

Does Arkansas's tornado risk affect which companies offer home and auto bundles?

MoneyGeek analyzed 250 quotes across five Arkansas ZIP codes (72201 — Little Rock, 72401 — Jonesboro, 71601 — Pine Bluff, 72701 — Fayetteville, and 72032 — Conway) to identify the best home and auto bundle insurance providers in the state. Data sources include Quadrant Information Services for rate quotes, AM Best for financial strength ratings, J.D. Power for customer satisfaction scores, and the Arkansas Department of Insurance for regulatory and market data. All figures represent averages for the 2025 data vintage. Actual rates vary by ZIP code, claims history, credit profile, and individual underwriting factors.

Auto score breakdown:

  • Affordability (60%): Rate quotes for multiple driver profiles. Arkansas baseline: 40-year-old, good credit, clean record, 2021 Toyota Camry, 50/100 full coverage, $1,000 deductible.
  • Customer experience (30%): Google reviews, J.D. Power ratings, and AM Best scores organized by state.
  • Coverage options (10%): Range of coverage types and policy features for each provider.

Home score breakdown:

  • Affordability (55%): Rates compared for identical coverage; discount availability evaluated. Arkansas baseline: homeowner aged 41 to 60, good credit, 2,500-sq-ft home built in 2000, $250K dwelling, $125K personal property, $200K liability, $1,000 deductible.
  • Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews, and app feedback for claims handling.
  • Coverage options (15%): Add-on availability with attention to Arkansas-specific risks: wind, tornado, hail, and severe storm coverage.

Learn more about our auto insurance methodology.

2025-01-01

About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!

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