State Farm, Auto-Owners, Nationwide, Farmers and Allstate lead Arkansas home insurance. Auto-Owners ranks first for coverage options, State Farm leads in affordability, and Auto-Owners excels in customer service. Compare all our top picks below.
Best Homeowners Insurance in Arkansas
Updated: October 23, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Arkansas are State Farm, Auto-Owners and Nationwide.
State Farm offers the best overall home insurance for most Arkansas homeowners. However, for those with specific needs, like older homes, State Farm remains the top option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are Best Home Insurance Companies in Arkansas?
| State Farm | 94 | 1 | 2 | 3 |
| Auto-Owners Insurance | 91 | 4 | 1 | 1 |
| Nationwide | 83 | 2 | 4 | 1 |
| Farmers | 78 | 3 | 3 | 5 |
| Allstate | 67 | 5 | 5 | 3 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| State Farm | 94 | Overall |
| State Farm | 94 | Older Homes |
| State Farm | 94 | Newer Homes |
| State Farm | 94 | High-Fire-Risk Areas |
| State Farm | 94 | Bad Credit |
| State Farm | 94 | With Claims History |
Best Arkansas Home Insurance Reviews
Explore our top picks for home insurance providers in the Natural State, showcasing leaders in affordability, customer service and diverse coverage options.
State Farm: Best for Affordability
State Farm is the most affordable home insurance provider for most Arkansas homeowners, ranking as the best option for every category in our study. J.D. Power ranks State Farm seventh in customer satisfaction and eighth in claims satisfaction, both above the national average.
State Farm customers can take advantage of coverage options like extended replacement cost reimbursement to cover potential increases in repair costs and underground utility coverage.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
Claim free for 5+ years
| Newer Homes in High-Fire-Risk Areas | $138 | $1,652 |
| Newer Homes | $138 | $1,652 |
| Older Homes | $229 | $2,750 |
| Older Homes in High-Fire-Risk Areas | $229 | $2,750 |
Auto-Owners: Best for Customer Service
Auto-Owners is one of the more expensive home insurance providers in our Arkansas study. However, it delivers excellent customer service, ranking 11th in customer satisfaction and 4th in claims satisfaction among top national providers per J.D. Power.
Auto-Owners offers coverage options like guaranteed home replacement cost, service line coverage and equipment breakdown coverage.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
1 claim in past 5 years
| Newer Homes | $214 | $2,568 |
| Newer Homes in High-Fire-Risk Areas | $218 | $2,614 |
| Older Homes | $396 | $4,749 |
| Older Homes in High-Fire-Risk Areas | $403 | $4,833 |
Nationwide: Best for Coverage
Nationwide is the second-most expensive provider in Arkansas for home insurance, though it scores as the top coverage option in the state. Its strong offerings include doubling dwelling coverage limits and better roof replacement.
Customers can also get Nationwide's brand new belongings coverage, which helps replace damaged or stolen items with new ones rather than reimbursing for their depreciated value.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
Claim free for 5+ years
| Newer Homes | $109 | $1,304 |
| Newer Homes in High-Fire-Risk Areas | $119 | $1,426 |
| Older Homes | $245 | $2,944 |
| Older Homes in High-Fire-Risk Areas | $268 | $3,221 |
How to Find the Best Home Insurance in Arkansas
We've made a step-by-step guide to help you choose coverage that fits your needs.
- 1Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside, and local risk factors that might affect your coverage.
- 2Research costs and discounts
Investigate how much home insurance costs in Arkansas to determine potential savings. Search for available discounts like bundling or having home safety devices to reduce your premium.
- 3Find the best providers for you
After understanding coverage and associated costs, search for the best and cheapest home insurance in Arkansas. Check customer service ratings, ensure the policy suits your needs, and consider beneficial endorsements.
- 4Compare multiple providers through all means
Compare providers using identical coverage levels for validity. Obtain quotes through various channels, as online estimates might differ from those acquired via phone or agents.
Best Homeowners Insurance in Arkansas: Bottom Line
State Farm, Auto-Owners and Nationwide are the best-rated homeowners insurance providers in Arkansas. Shopping around and reviewing coverage details can help you choose the right insurer for your specific needs.
Best Home Insurance in Arkansas: FAQ
Explore our FAQ section to find answers to common questions about choosing a home insurance provider in Arkansas.
Which company is best for home insurance in Arkansas?
State Farm is the best homeowners insurance provider in Arkansas for its affordability, excellent customer service, and diverse add-on coverage options. Auto-Owners, Nationwide, Farmers and Allstate are also top-rated alternatives in Arkansas.
Who has the most affordable homeowners insurance in Arkansas?
Finding the most affordable homeowner's insurance in Arkansas hinges on your specific needs and situation. However, the average annual premium in Arkansas is $1,548.
How do you get the best homeowners insurance in Arkansas?
To find the best home insurance in Arkansas, decide on your coverage needs beforehand, research costs and providers and compare multiple options.
How We Decided the Best Home Insurance in Arkansas: Our Methodology
We evaluated the top homeowners insurance providers in Arkansas using the following criteria:
- Affordability (55%): Companies earned higher scores if they offered lower premiums across multiple factors. We also reviewed the range of discounts available.
- Customer satisfaction (30%): Scores were based on ratings from sources like J.D. Power, Trustpilot, and app reviews. These scores reflect customer experiences with the buying process, policy management, and claims handling.
- Coverage (15%): We analyzed the number of add-on options, unique policy features, and statewide availability to assess how flexible and comprehensive each provider’s coverage is.
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.