Average Home Insurance Cost in Arkansas

Home insurance costs in Arkansas rank among the more expensive nationwide at $420 monthly. The state's average premium is 45% above the national average, with Arkansas homeowners spending an extra $131 each month compared to the typical U.S. policyholder, who pays $289.

*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.

Insurance companies consider your location and coverage amounts first when pricing Arkansas policies. They also examine your home's construction quality, your credit score and whether you've filed claims. Your insurer choice creates the largest price variation among these factors.

Premium variations across Arkansas reflect each city's unique risk profile. Tornado frequency, flood vulnerability and property values all affect local rates. Central cities like Little Rock often have different pricing than northwestern communities. Geographic and weather factors cause these differences.

Annual premiums in Arkansas span from $3,050 for basic coverage to $14,953 for comprehensive protection. Reduce costs by accepting higher deductibles or lowering dwelling limits. You take on more out-of-pocket risk when filing claims though.

Your insurer matters more than any other choice in Arkansas. For identical coverage, annual costs range from $2,491 at USAA to $13,720 at Travelers. This is a $11,229 spread, so comparison shop.

A 40-year home age difference adds $2,147 to annual premiums in Arkansas. Homes from 1980 cost 67% more to insure than 2020 builds. Older construction lacks modern safety features. Newer properties meet current building standards, so claim likelihood and premium costs are reduced.

Premium costs in Arkansas vary by more than 300% based on credit alone. The gap between excellent and poor credit profiles is $6,527 per year. By maintaining good credit, Arkansas homeowners save thousands annually.

Tornadoes and hail create constant claim activity across Arkansas, so insurers charge higher premiums. Rising labor and material costs for repairs add another layer of expense. These combined factors make Arkansas one of the nation's most expensive states for homeowners coverage.

Home insurance costs in the state are higher. This makes finding the cheapest home insurance in Arkansas a priority. Smart strategies reduce your premiums. These practical tips help you save on coverage.

Arkansas homeowners insurance costs depend on many factors specific to your property and location. These frequently asked questions help you understand what affects your premiums and estimate potential expenses for your home.

MoneyGeek calculated Arkansas home insurance estimates by analyzing real rate data across multiple scenarios, showing how specific factors affect what homeowners actually pay for coverage.

We built our analysis around a standard homeowner profile: $250,000 in dwelling coverage, $125,000 for personal property, $200,000 in liability protection, and a $1,000 deductible. The model assumes a home built in 2000 with frame construction, a composition roof, and no insurance claims filed in the last five years.

These specifications match typical Arkansas homeowners. The $250,000 dwelling amount aligns with median home values across the state, while homes built in 2000 represent the most common age category for Arkansas properties.

Our research method involved adjusting one factor while keeping everything else identical. For instance, we compared premiums for homes built in 1980, 2000, and 2020 using the same coverage amounts and homeowner profile. This process shows exactly how much each variable affects your premium.

Your actual premium will be different depending on your home's specific features, location, claims record, credit profile, and insurance company. The rate variations shown here demonstrate which factors have the biggest impact when you shop for Arkansas home insurance.