Updated: October 7, 2025
Advertising & Editorial Disclosure
The average cost of homeowners insurance in Arkansas is $4,023, more than the national average of $2,423. Insurance companies affect premiums, with rates varying up to $9,640 between the cheapest and most expensive options. Compare quotes from multiple insurers to find more affordable coverage.
If you're noticing a spike in your rates, our analysis of the cheapest policies in the state might guide you to more affordable coverage.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 24, 2025
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Table of Contents
To establish the average cost of homeowners insurance in Arkansas, MoneyGeek used quotes from various providers for a profile that reflects the average homeowner.
These rates reflect the average cost of home insurance in Arkansas as of 2024.
In Arkansas, homeowners insurance averages $4,023 annually for policies with $250K Dwelling / $125K Personal Property / $200K Liability coverage. This is more than the national average by $1,600.
When considering how much coverage you need, it's important to have enough to rebuild your home and cover all other associated costs. For example, choosing $100K in dwelling coverage leads to an annual premium of $2,401. If your property is larger and requires $500K in dwelling coverage, the annual premium jumps to $6,529.
| $100K Dwelling / $50K Personal Property / $100K Liability | $2,401 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $4,023 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $6,529 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $9,299 |
Premiums for homeowners insurance in Arkansas can vary significantly among providers, even for similar levels of coverage. Shelter, for example, offers an annual premium of $2,158, while Travelers' equivalent coverage soars to $10,604. For those seeking comprehensive insights, there are plenty of great providers in Arkansas. Differences in underwriting criteria, regional risk assessments and company-specific discounts can influence these costs.
| Shelter | $2,158 |
| State Farm | $2,321 |
| USAA | $2,822 |
| Farmers | $3,243 |
| Nationwide | $3,530 |
| Allstate | $3,696 |
| Auto-Owners Insurance | $3,807 |
| Travelers | $10,604 |
Homeowners in Arkansas with poor credit pay an average annual premium of $10,896 for homeowners insurance, higher than the $2,356 average for those with excellent credit. This contrast demonstrates the impact credit scores have on insurance rates, with poor credit resulting in premiums that are $6,873 above the state average of $4,023.
While immediate improvement of your credit score may not be feasible, long-term credit management can lead to lower rates. In the interim, shopping around for insurance could yield savings. Comparing insurers can be done swiftly and you can discover which insurer will save you the most in Arkansas in under 15 minutes.
| Poor | $10,896 |
| Below Fair | $7,857 |
| Fair | $5,751 |
| Good | $4,023 |
| Excellent | $2,356 |
The type of roof on your home influences your homeowners insurance premium, though it's not the most significant factor. In Arkansas, materials like tile, which offer durability, can lower insurance costs. Conversely, shake-treated roofs, which are less resistant to certain perils, such as severe weather, may increase premiums.
Similarly, the construction type of your home affects insurance rates due to material resilience against potential damages. For instance, homes constructed with superior materials that are more fire-resistant could see more favorable insurance premiums. Standard frame construction, which is less robust, might incur slightly higher costs.
Use the drop-downs on the table below to see how premiums change based on your home's materials.
| $100K Dwelling / $50K Personal Property / $100K Liability | $2,401 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $4,023 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $6,529 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $9,299 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $12,512 |
Homeowners insuring new construction in Arkansas typically pay lower premiums than those with existing homes. The average annual premium for new construction is $1,889, which is less than the $4,023 average for older homes. The table below reflects how premiums vary between new and existing homes, allowing you to adjust the filter for different coverage levels.
| Existing Construction (2000) | $4,023 |
| New Construction (2023) | $1,889 |
Homeowners insurance premiums in Arkansas average $4,023 annually for claim-free homeowners. One claim within the past five years increases premiums to $4,848, a $825 increase from the baseline. Two claims within five years raise premiums to $5,390, a $1,367 increase compared to claim-free individuals. Maintaining a clean claims record reduces insurance costs.
| Claim free for 5+ years | $4,023 |
| 1 claim in past 5 years | $4,848 |
| 2 claims in past 5 years | $5,390 |
In Arkansas, tornadoes, earthquakes, hurricanes and ice storms are the most costly natural disasters for homeowners. While standard home insurance policies cover tornado damage, they may not always cover damage from ice storms, hurricanes and earthquakes which can lead to confusion for policyholders. It is important to learn what homeowners insurance covers.
Shopping for home insurance in Arkansas doesn't have to be a chore. In fact, finding the right policy at a fair price can be quite straightforward. It's a matter of being informed and looking in the right places. Here's how to find the best deal for you.
Think about what you want to protect.
Ask about bundles and discounts to save money.
Choose a company with a good claims experience.
Buy the policy that fits your needs and budget.
In Arkansas, homeowners who bundle their home and auto insurance can unlock savings on their overall insurance costs. By opting for a multipolicy bundle, you could save anywhere from $176 to $1,108, with an average savings of about 17%. These figures are based on MoneyGeek's comprehensive analysis of the best and cheapest home and auto bundle companies in Arkansas. To explore the potential for savings through bundling visit our bundle analysis.
Arkansas homeowners can shave dollars off their insurance bills with various discounts.
For a more comprehensive look at how you can save, explore our guide on home insurance discounts. Remember, to capture the full range of discounts, make it a point to inquire during the quote process.
In Arkansas, Shelter offers the lowest average premium at $2,158. For more options, explore cheap national providers.
Homeowners insurance in Arkansas typically covers tornadoes. Explore additional coverage options for natural disasters
Credit rating is a significant factor, with premiums ranging from $2,356 for excellent credit to $10,896 for poor credit.
Arkansas residents save an average of 17% by bundling home and auto.
Finding homeowners insurance in the state is easier with the right resources. Use the following to understand state regulations, find affordable coverage or calculate costs:
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.
