Cheapest Homeowners Insurance in Arkansas (2025 Rates)

Arkansas providers offer cheaper options tailored to specific needs. For example, while Shelter is the most affordable for $100K coverage, State Farm is the cheapest for $1 million coverage. Similarly, State Farm is the most reasonable for those bundling auto and home insurance, presenting varied savings opportunities.

Shelter offers the most affordable home insurance in Arkansas, averaging $964 annually for $100K in dwelling coverage. Dwelling coverage levels significantly affect your premium. The cheapest providers for different coverage levels:

• Cheapest for $100,000: Shelter at $964 per year
• Cheapest for $250,000: Shelter at $2,158 per year
• Cheapest for $500,000: State Farm at $3,786 per year

Explore affordable home insurance in the table below to see how rates vary with different dwelling coverage amounts.

In Arkansas, the key to locating budget-friendly home insurance lies in getting quotes from various providers, which typically means inputting personal details. Expedite your search with MoneyGeek’s easy-to-use home insurance calculator, enabling Arkansas residents to get quotes sans immediate personal data sharing.

State Farm offers the most affordable high-value home insurance in Arkansas at $5,210 annually for $750K in dwelling coverage. Dwelling coverage levels affect insurance costs. The top affordable choices for higher limits:

• Cheapest for $750,000: State Farm at $5,210 per year
• Cheapest for $1,000,000: State Farm at $6,600 per year

Choose dwelling coverage that aligns with your home's replacement cost rather than property value. Explore cheap home insurance at MoneyGeek to see how costs vary with different dwelling coverage levels.

The cheapest home insurance for new homes in Arkansas, with a dwelling coverage of $100,000, is provided by Shelter at a yearly rate of $596. Homes that are newly constructed in Arkansas generally enjoy lower insurance premiums, thanks to their modern safety features and reduced risk of structural issues compared to older homes. Here are the most affordable insurance providers for new homes and different coverage values:

• Cheapest for $100,000: Shelter at $596 per year
• Cheapest for $250,000: Shelter at $1,316 per year
• Cheapest for $500,000: Allstate at $2,141 per year

Explore MoneyGeek's table to understand how the cost varies based on dwelling coverage for newly built homes.

For homeowners in Arkansas with poor credit and a home constructed in 2000, the most affordable home insurance provider is Shelter. For $100K in dwelling coverage, Shelter offers an annual premium of $1,521. Insurers in the state significantly weigh credit scores as they are strong indicators of the likelihood of a claim being filed, which affects insurance rates.

• Cheapest for $100,000: Shelter at $1,521 per year
• Cheapest for $250,000: Shelter at $3,406 per year
• Cheapest for $500,000: Shelter at $6,648 per year

Homeowners with poor credit pay an average of $6,903 annually for $100K in dwelling coverage, which is $4,394 higher than the $2,509 average for homeowners with good credit.

For homeowners in Arkansas with a claims history of at least one claim in the past five years, the most affordable home insurance provider for $100K in dwelling coverage' is Shelter, with an annual premium of $1,247. For insurers, homeowners who have made claims in the past pay more for insurance as they are perceived to be at a higher risk of filing claims again in the future.

• Cheapest for $100,000: Shelter at $1,247 per year
• Cheapest for $250,000: State Farm at $2,321 per year
• Cheapest for $500,000: State Farm at $3,786 per year

Filing multiple claims impacts your premiums. For $100K in dwelling coverage, claims-free homeowners pay an average annual premium of $2,509, while those with two claims pay $3,261.

Shelter offers the most affordable home insurance in Arkansas for frame construction homes with shake-treated roofs at $964 annually. Construction type and roofing materials affect insurance costs due to their varying durability and resistance to weather.

The cheapest options for different coverage levels:

• Cheapest for $100,000: Shelter at $964 per year
• Cheapest for $250,000: Shelter at $2,158 per year
• Cheapest for $500,000: State Farm at $4,091 per year

Opting for superior construction with a tile roof reduces premiums by around $466. Higher-quality construction and durable roofing lead to savings on your homeowner's insurance.

The table below shows how rates vary based on construction materials, roof type and coverage value.

Adjusting your deductible saves hundreds of dollars annually. Shelter offers the most affordable home insurance in Arkansas for a $2,000 deductible at $777 per year, while a $500 deductible costs $1,150 yearly with Shelter.

The most affordable firms in Arkansas for each deductible level are:

• $2,000 deductible: Shelter at $777 per year
• $1,500 deductible: Shelter at $854 per year
• $1,000 deductible: Shelter at $964 per year
• $500 deductible: Shelter at $1,150 per year

A deductible in home insurance is the lump sum you give before your insurer covers the remaining expenses. The average cost variation between a $500 and a $2000 deductible within all insurers is $486.

Bundling home and auto insurance in Arkansas is cheapest with State Farm, costing an average of $2,462 annually. Below are the top three most affordable home and auto insurance bundle providers in Arkansas:

• State Farm at $2,462 per year
• Farmers at $3,089 per year
• Nationwide at $3,721 per year

Bundling not only gives you savings but also simplifies the management of your policies under one insurer. This means streamlined communication and more efficient policy management. For more specifics, explore options for the best Arkansas insurance bundle today.