Updated: November 28, 2025
Advertising & Editorial Disclosure
The average cost of homeowners insurance in Arkansas is $4,023, exceeding 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, check our analysis of the cheapest policies in the state for 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:
Dec 09, 2025
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To establish the average cost of homeowners insurance in Arkansas, MoneyGeek analyzed quotes from multiple insurers using a profile representing typical homeowners.
These rates are current as of 2024.
In Arkansas, homeowners insurance averages $4,023 annually for policies with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage. This is more than the national average by $1,600.
Choose enough coverage to rebuild your home and cover associated costs. Dwelling coverage of $100,000 costs $2,401 annually. Properties requiring $500,000 in dwelling coverage pay $6,529 yearly.
| $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 |
Arkansas homeowners insurance premiums vary widely among providers for similar coverage. Shelter offers annual premiums of $2,158, while Travelers charges $10,604 for equivalent coverage. Underwriting criteria, regional risk assessments and company discounts drive these cost differences.
| 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, much higher than the $2,356 average for those with excellent credit. Poor credit results in premiums that are $6,873 above the state average of $4,023.
Improving your credit score immediately isn't feasible, but long-term management can lead to lower rates. Meanwhile, shopping around for insurance can yield savings.
| Poor | $10,896 |
| Below Fair | $7,857 |
| Fair | $5,751 |
| Good | $4,023 |
| Excellent | $2,356 |
Your roof type affects your premium, though other factors matter more. Durable materials like tile lower insurance costs in Arkansas. Shake-treated roofs increase premiums because they withstand severe weather poorly.
Your home's construction type also affects rates based on material resilience. Fire-resistant materials earn lower premiums. Standard frame construction costs slightly more.
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 |
New homes in Arkansas cost less to insure than existing properties. New construction averages $1,889 annually, 53% less than the $4,023 average for older homes. Adjust the coverage filter below to compare premiums for new and existing homes.
| 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, an increase of $1,367 from the claim-free baseline.
| Claim free for 5+ years | $4,023 |
| 1 claim in past 5 years | $4,848 |
| 2 claims in past 5 years | $5,390 |
Arkansas' costliest natural disasters include tornadoes, earthquakes, hurricanes and ice storms. Standard home insurance policies cover tornado damage but often exclude ice storms, hurricanes and earthquakes. Review your policy to understand what's covered.
Finding affordable home insurance in Arkansas is easier when you know where to look. Here's how to get the best deal:
Arkansas homeowners save money by bundling home and auto insurance. Multipolicy bundles save $176 to $1,108, averaging 17% off premiums. MoneyGeek's analysis of Arkansas bundle providers determined these savings.
Arkansas homeowners can reduce premiums with these discounts:
Arkansas homeowners ask these common questions about insurance coverage, costs and claims.
In Arkansas, Shelter offers the lowest average premium at $2,158. For more options, explore cheap national providers.
Most homeowners insurance policies in Arkansas cover tornadoes. Explore additional coverage options for natural disasters.
Credit rating is a key 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 insurance.
Additional Arkansas homeowners insurance resources:
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
