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: June 13, 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:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$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.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Arkansas for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare 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.
- 4
Compare 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. While these are our recommendations, do your own research and compare multiple quotes to ensure you're getting the best deal.
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 annually, based on the property's age and coverage level.
How We Decided the Best Cheap Home Insurance Companies in Little Rock
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Little Rock. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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.