In Little Rock, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. For those focused on price, State Farm also provides the lowest premium at $344 per month.
Cheap Home Insurance in Little Rock
Updated: December 2, 2025
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Key Takeaways
The best overall home insurance company in Little Rock is State Farm, which is also the cheapest at $4,129 per year.
Home insurance in Little Rock costs an average of $707 per month or $8,488 per year for most homeowners.
To get the best and cheapest home insurance in Little Rock, assess your coverage needs, research costs and companies, and compare multiple quotes.
Best Cheap Home Insurance Companies in Little Rock
| State Farm | 94 | $344 | $4,129 |
| Auto-Owners Insurance | 93 | $608 | $7,292 |
| Nationwide | 89 | $352 | $4,224 |
| Farmers | 81 | $464 | $5,567 |
| Shelter | 65 | $569 | $6,830 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Little Rock Home Insurance Cost?
Home insurance rates in Little Rock depend on factors like your home’s age, chosen coverage and personal profile. Costs range from $205 to $2,245 monthly. Use the table below to explore rates tailored to your situation.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $205 | $2,458 |
How to Get the Best Cheap Home Insurance in Little Rock
Finding affordable home insurance in Little Rock can be tough. We've put together a step-by-step guide to help you discover the best affordable homeowners insurance that meets your needs.
- 1Decide on Coverage Beforehand
Determining your home insurance coverage needs allows you to compare quotes easily and prevents you from being oversold by agents.
- 2Research Cost and Discounts
Researching average home insurance costs in Arkansas for your city and profile can reveal where you’re likely to save. You can also look at the best homeowners insurance in Arkansas to see which insurers perform well statewide on value and claims.
- 3Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the cheaper option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools, independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Little Rock: Bottom Line
The top three best and cheapest home insurance providers in Little Rock are State Farm, Auto-Owners and Nationwide. For broader affordability insights, explore MoneyGeek's analysis of cheap homeowners insurance in Arkansas.
Little Rock Home Insurance: FAQ
Below, we answer common questions about home insurance for residents of Little Rock.
Who offers the best home insurance in Little Rock?
We recommend State Farm as the best home insurance provider in Little Rock for its competitive pricing, excellent service and variety of coverage options. We also recommend getting quotes from Auto-Owners, Nationwide, Farmers and Shelter.
Who has the cheapest home insurance in Little Rock?
State Farm has the most affordable home insurance for the average homeowner in Little Rock, costing about $344 per month or $4,129 per year. Rates vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Little Rock?
Home insurance costs in Little Rock range from $2,458 to $26,943 each year, depending on your home’s age and the coverage you choose.
How We Decided the Best Cheap Home Insurance Companies in Little Rock
MoneyGeek analyzed home insurance premiums from 10 companies in Little Rock using data provided through our partnership with Quadrant. Customer satisfaction scores came from J.D. Power surveys. To assess affordability, we reviewed quotes for homes with different coverage levels.
Our base profile reflects a homeowner with a 2,500-square-foot home built in 2000, $250,000 in dwelling coverage, $100,000 in personal property coverage and $100,000 in liability coverage, all with a $1,000 deductible.
We also gathered quotes for other scenarios, including newly built homes, higher dwelling or personal property limits, increased deductibles and homeowners with poor credit.
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.