Arkansas homeowners pay rates well below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Arkansas.
Best Homeowners Insurance Companies in Arkansas
Updated: January 22, 2026
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Arkansas's Top Home Insurance Companies: Key Takeaways
State Farm is the best home insurance provider in Arkansas with a score of 4.6 out of 5 from our review team.
USAA, Auto-Owners, Farmers and Nationwide rank high for homeowners insurance in Arkansas based on affordable rates, strong customer service and reliable coverage.
The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.
What Are the Best Home Insurance Companies in Arkansas?
State Farm ranks first for Arkansas homeowners with the state's lowest premiums and above-average customer satisfaction. USAA, Auto-Owners, Farmers and Nationwide complete the top five, excelling in areas like military-focused service, premium coverage quality and local agent networks.
State Farm | 4.5 | $3,061 | Most Arkansas homeowners |
USAA | 5.0 | $2,491 | Military families |
Auto-Owners | 4.5 | $5,921 | Comprehensive coverage |
Farmers | 4.4 | $3,717 | Customizable policies |
Nationwide | 4.3 | $2,703 | Affordable comprehensive protection |
*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 profile.
**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.
State Farm
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4/5Customer Experience
4.2/5Coverage
J.D. Power Customer Satisfaction Score
657/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$3,061Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
USAA
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Customer Experience
5/5Coverage
J.D. Power Customer Satisfaction Score
737/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$2,491Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Auto-Owners
MoneyGeek Rating
4.5/ 5
4.7/5Affordability
4.5/5Customer Experience
4/5Coverage
J.D. Power Customer Satisfaction Score
621/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$5,921Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Farmers
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4/5Customer Experience
4.2/5Coverage
J.D. Power Customer Satisfaction Score
631/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$3,717Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Nationwide
MoneyGeek Rating
4.3/ 5
5/5Affordability
3.8/5Customer Experience
2.9/5Coverage
J.D. Power Customer Satisfaction Score
641/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$2,703Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Best Arkansas Home Insurance by City
State Farm offers the lowest rates across Arkansas, ranking best in Conway, Hatfield, Little Rock and Mountainburg. Annual premiums range from $3,053 to $3,066, depending on your location.
| Conway | State Farm | $3,053 |
| Hatfield | State Farm | $3,066 |
| Little Rock | State Farm | $3,059 |
| Mountainburg | State Farm | $3,066 |
Cheapest Arkansas Home Insurance Companies
Arkansas homeowners pay $5,040 annually for home insurance, 45% more than the national average of $3,467. USAA offers the state's most affordable home insurance at $2,491 annually, 51% below the state average. Nationwide offers solid savings too at $2,703 per year. Premiums vary among insurers. Travelers represents the high end, charging 296% more than the national benchmark.
Guide to Finding the Best Arkansas Home Insurance Company
Compare multiple providers based on your coverage needs, budget and service preferences.
Compare Quotes Strategically
Get quotes from at least three to five insurers. Premiums among top Arkansas providers range from $2,491 to $5,921 annually. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.
Check Customer Satisfaction Metrics
Examine complaint ratios through the Arkansas Insurance Department and review J.D. Power scores, which range from 621 to 737 among the state's leading insurers compared to the 642 industry average. Focus on recent customer reviews detailing claims experiences during Arkansas's tornado season rather than just policy purchase feedback.
Evaluate Coverage Needs
Base your coverage on replacement cost rather than market value, which becomes especially critical in Arkansas, where construction costs surge after tornadoes and flooding. Review optional protections like wind/hail coverage, flood insurance and extended replacement cost options that address your home's specific weather-related risks.
Match Service Preferences to Provider Strengths
Digital-first insurers like Lemonade, Hippo and Root work well if you prefer online policy management, while State Farm, Allstate and Farmers Insurance offer strong local agent networks for face-to-face support. Don't pay premium prices for services you won't use.
ARKANSAS HOME INSURANCE RISKS
Arkansas faces significant tornado risk, averaging 32 tornadoes annually between 2017 and 2022, ranking among the top states for tornado frequency according to the National Weather Service. Arkansas allows insurers to include tornado deductibles in homeowners policies, calculated as 1% to 5% of your home's insured value. Standard homeowners insurance covers tornado damage, but it doesn't cover flood damage that often follows severe storms, requiring separate flood insurance coverage.
Top-Rated Home Insurance Companies in Arkansas: FAQ
Explore our FAQ section for answers to common questions about selecting the right Arkansas home insurance provider for your needs.
Does home insurance cover damage from fallen trees in Arkansas?
Home insurance covers damage to your house from fallen trees when wind, lightning, or other covered perils cause the fall. Coverage excludes trees that fell due to rot or neglect. Tree removal is covered only if the tree damages a covered structure, and most policies limit coverage to $500 to $1,000 per tree.
What's the difference between replacement cost and actual cash value coverage?
Replacement cost coverage pays to rebuild your home or replace belongings at current prices without deducting for depreciation. Actual cash value coverage subtracts depreciation from claim payments. You receive less money based on your property's age and condition. Actual cash value policies cost less up front but leave you covering more expenses out of pocket after a loss.
Does home insurance cover sinkholes in Arkansas?
Most Arkansas home insurance policies exclude sinkhole damage by default, though some insurers offer it as optional coverage. Arkansas doesn't require insurers to provide sinkhole protection, leaving coverage decisions to individual companies. Central and southern Arkansas face higher sinkhole risks, particularly in areas near the Ozark Plateau. Review your policy's exclusions carefully and consider adding sinkhole coverage if you live in these vulnerable regions.
Can I get home insurance if I have a trampoline or swimming pool?
You can get home insurance with a trampoline or swimming pool, though insurers consider these features liability risks. Most companies will require higher premiums and mandatory safety features like nets and padding for trampolines, plus fencing and self-closing gates for pools. Some insurers may exclude coverage for these items entirely or demand additional liability protection. Ensure you carry adequate liability coverage of at least $300,000 to protect against potential accidents.
Our Methodology: Determining the Best Arkansas Home Insurers
Arkansas homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.
We scored insurers across three factors:
Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.
Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback reveal how insurers handle claims after storms damage your home.
Coverage options (15%): We assessed add-on availability, including water backup protection and inland flood options for Arkansas's risks.
Our Sample Profile
Rates reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.
Your rates will vary based on your home's age, location, claims history and credit score.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- National Weather Service. "Tornado Data, Information and Links." Accessed February 6, 2026.