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: November 9, 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
The best provider for you may differ based on your home type and personal needs.
| 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
Providers differ in affordability, customer service and 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 for home insurance. But it is top for coverage options in the state. Customers can also get Nationwide's belongings coverage, which helps replace damaged or stolen items with new ones.
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.
- 2Research costs and discounts
Investigate how much home insurance costs in Arkansas to determine potential savings.
- 4Compare multiple providers through all means
Compare providers using identical coverage levels for validity.
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
Arkansas homeowners face insurance challenges from tornado activity, flooding along major rivers, and severe thunderstorms with hail that create frequent weather-related claims across the state. We designed this scoring system to identify which insurers offer the best combination of affordable rates, reliable claims service, and adequate coverage for Arkansas's diverse climate risks.
We evaluated providers across three weighted categories that reflect what matters most when you're buying home insurance in Arkansas:
Affordability (55%) considers premium competitiveness across multiple coverage levels and homeowner profiles, plus the range of available discounts.
Customer Satisfaction (30%) draws from ratings on sources like J.D. Power, Trustpilot, and app reviews, reflecting customer experiences with the buying process, policy management, and claims handling.
Coverage (15%) analyzes the number of add-on options, unique policy features, and statewide availability to assess how flexible and comprehensive each provider's coverage is.
Why these weights: Home insurance premiums in Arkansas represent a significant ongoing expense, making affordability the dominant factor for homeowners managing household budgets. Customer satisfaction carries substantial weight because you need an insurer that processes storm damage claims efficiently
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.