Best Homeowners Insurance Companies in Arkansas (2026)
Farmers, State Farm, and Allstate are among our top picks for the best home insurance companies in Arkansas.
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Written byCarley Clark
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Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
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Edited byBecky Helzer
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Becky HelzerEditor
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Data reviewed byAndrew Huang
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Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Table of contents
Arkansas is among the five cheapest states to live in the U.S[1] Despite the low cost of living, Arkansas residents pay some of the highest homeowners insurance rates in the country, averaging $264 per month for $300,000 in dwelling coverage with a $1,000 deductible.
By comparison, the national average premium for the same homeowners insurance coverage is $212 per month, according to Insurify data.
Insurers typically charge higher premiums in Arkansas due to its severe weather, including tornadoes, ice storms, and flooding.[2] While coverage may cost more, insuring your home properly ensures you have adequate protection.
Here’s what you should know about home insurance in Arkansas so you can find the right coverage for your home.
Quick Facts
Farmers, State Farm, and Allstate are some of the best home insurers in Arkansas.
Farmers has some of the cheapest homeowners insurance in Arkansas, with an average monthly rate of $128 for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
Standard homeowners insurance doesn’t cover flooding, so you’ll need a separate flood insurance policy.
Best home insurance companies in Arkansas
Arkansas has several quality home insurers, but the right one for you depends on your coverage needs and budget. Below are our picks for the best home insurance companies in Arkansas based on pricing, coverage options, customer satisfaction, and claims process.
Farmers: Best for affordability
affordability
Farmers
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $128/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $206/mo |
If budget is your primary concern, Farmers has some of the cheapest insurance rates in Arkansas. The company also offers discounts for paying your bills on time, staying claims-free, and equipping your home with safety features. Farmers also offers 24/7 claims support and a large agent network, making it easier to get help after a loss.
Pros
Affordable premiums and several available discounts
Fewer complaints reported to the National Association of Insurance Commissioners (NAIC) than expected
Excellent mobile app ratings
State Farm: Best for weather-related claims
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $264/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $362/mo |
Since severe weather is a regular part of life in Arkansas, it helps to have an insurer with a streamlined claims process. State Farm has a widespread network of agents, as well as a catastrophe response team that can deploy after a disaster to help homeowners submit claims.
If you suffer a loss, you can file a claim via the mobile app or by phone 24/7, which can speed up the process after a storm. State Farm also earned an AM Best financial strength rating of A+ (Superior), indicating it can handle a high volume of claims after a disaster.
Pros
Largest catastrophe response team in industry
Above-average J.D. Power customer satisfaction rating
Excellent mobile app ratings
Cons
Higher premiums than some competitors
Slightly higher number of complaints with the NAIC than expected
Below-average J.D. Power claims satisfaction rating
Allstate: Best for flood insurance
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $229/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $335/mo |
Standard homeowners insurance doesn’t cover flood damage, so Arkansans may want to consider a separate policy. Allstate gives you two options for flood coverage: private insurance through Beyond Floods or federally backed coverage from the National Flood Insurance Program (NFIP).
Allstate also provides several online resources to educate homeowners about flood insurance, including how it works and how to buy a policy. Through Allstate’s 24/7 call center, licensed agents can answer questions or help you through the claims process.
Pros
Affordable premiums
24/7 customer service
App has excellent App Store ratings
Cons
Below-average J.D. Power customer and claims satisfaction ratings
Higher number of complaints with the NAIC than expected
Many complaints reported to Better Business Bureau (BBB)
Auto-Owners: Best for rural areas
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $157/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $229/mo |
Roughly 45% of Arkansas residents live in rural areas, so those homeowners may need coverage beyond a standard home policy. Auto-Owners offers farm insurance that can include coverage for equipment as well as protection against pollution spills and seasonal fluctuations.
With about 48,000 licensed agents across 26 states, including Arkansas, Auto-Owners is a strong choice if you want local agent support. An independent agent can help you customize your homeowners and farm coverage based on your specific needs.
Pros
Farm insurance options
Extensive network of licensed agents
Above-average J.D. Power claims satisfaction rating
Cons
Higher insurance premiums, on average
Below-average J.D. Power customer satisfaction rating
Quotes not available online
Nationwide: Best for bundling
NationwideCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $238/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $357/mo |
Arkansas homeowners may also need to insure their vehicles, but managing multiple policies can get complicated. Bundling coverage with Nationwide could simplify your insurance and reduce overall costs.
Nationwide says homeowners can save up to 15% by bundling home and auto policies, with an average savings of $1,032 per year. Bundling can streamline the claims process if a single event affects both your home and vehicle. Nationwide provides 24/7 claims support by phone or through its mobile app.
Pros
Affordable premiums
Above-average J.D. Power claims satisfaction rating
Excellent mobile app ratings
Cons
Below-average J. D. Power customer satisfaction rating
Higher number of complaints with the NAIC than expected
Strong AM Best financial strength rating, but not top-tier
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Arkansas to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Arkansas
The table below outlines the average annual premiums from several of the cheapest insurers in Arkansas. Rates vary based on factors like your location, home value, and coverage limits.
The below rates in Arkansas are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company  | Average Annual Premium |
|---|---|
| Farmers | $1,536 |
| Travelers | $1,884 |
| USAA | $2,592 |
| Allstate | $2,748 |
| Nationwide | $2,856 |
| State Farm | $3,168 |
| Foremost | $3,240 |
| Encompass | $3,588 |
| Auto-Owners | $5,124 |
Find Cheap Home Insurance in Arkansas
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How much does homeowners insurance cost in Arkansas?
The average yearly cost of homeowners insurance in Arkansas is $3,168 for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Your actual price depends on your coverage options and risk factors.
Insurers determine your home insurance rates based on variables such as:[5]
ZIP code
Home age and construction type
Coverage choices and deductible
Claims history
Weather and flood risk
Credit-based insurance score
To get a more accurate estimate of average homeowners insurance rates, request a quote from multiple insurers.
Cheapest home insurance companies in Arkansas by dwelling coverage
Dwelling coverage pays to repair or replace your home’s structure — including the roof, walls, and foundation — after a covered event.
The following table shows Arkansas home insurance companies offering the cheapest home insurance, broken down by dwelling coverage amount.
The below rates in Arkansas are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $1,104 |
| Travelers | $1,380 |
| Foremost | $2,004 |
| Nationwide | $2,016 |
| Allstate | $2,124 |
| USAA | $2,136 |
| State Farm | $2,496 |
| Encompass | $2,844 |
| Auto-Owners | $3,912 |
The below rates in Arkansas are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $1,536 |
| Travelers | $1,884 |
| USAA | $2,592 |
| Allstate | $2,748 |
| Nationwide | $2,856 |
| State Farm | $3,168 |
| Foremost | $3,240 |
| Encompass | $3,588 |
| Auto-Owners | $5,124 |
The below rates in Arkansas are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $2,472 |
| Travelers | $2,748 |
| USAA | $3,420 |
| Allstate | $4,020 |
| Nationwide | $4,284 |
| State Farm | $4,344 |
| Encompass | $4,920 |
| Foremost | $5,148 |
| Auto-Owners | $7,776 |
The below rates in Arkansas are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $3,480 |
| Travelers | $4,104 |
| USAA | $4,572 |
| Allstate | $5,556 |
| State Farm | $5,604 |
| Nationwide | $6,036 |
| Encompass | $6,408 |
| Foremost | $8,292 |
| Auto-Owners | $12,228 |
Arkansas homeowners insurance cost by city
Homeowners insurance costs vary by state and also by city. For example, Little Rock homeowners may pay slightly higher premiums than those in Fayetteville. Several factors contribute to the variability in home insurance costs between cities, including weather risks, flood exposure, crime rates, and proximity to fire stations.
The table below shows average yearly homeowners insurance premiums for policies with $300,000 in dwelling coverage and a $1,000 deductible in two Arkansas cities.
The below rates in Arkansas are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Fayetteville | $2,993 |
| Little Rock | $3,069 |
What homeowners should know about insurance in Arkansas
Homeowners in Arkansas are likely aware of the state’s various weather risks. It’s important to choose coverage that adequately protects your home. Review your policy to ensure you have coverage against the following hazards.
Severe storms
Arkansas has seen an uptick in tornadoes in recent years. The state experiences an average of about 37 tornadoes per year, according to the National Weather Service.
Hail, lightning, and wind can also cause significant property damage. Standard homeowners insurance typically covers these risks, but it’s important to check your policy limits and confirm whether coverage extends to detached structures, such as garages or sheds.
Flooding
Moisture from the Gulf of Mexico can bring heavy rainfall and flooding across Arkansas. The Federal Emergency Management Agency (FEMA) estimates that properties with a 1% annual chance of flooding have about a 25% chance of flooding over a 30-year mortgage.
Standard home insurance typically excludes flooding, so you may want to consider adding a separate policy or endorsement. FEMA flood maps can help you determine if you’re in a flood zone and whether you need a separate policy.
Flood insurance is available through the NFIP and some private insurers.
Winter weather
Between November and March, Arkansas can experience winter conditions that lead to property damage. Ice storms pose one of the greatest threats, with accumulations that can exceed two inches, according to the Southern Climate Impacts Planning Program.[6]
When reviewing your policy, check whether it covers roof damage from ice dams or burst pipes caused by freezing temperatures. You may also want to review your liability limits to ensure you’re protected in case someone slips on ice in your driveway or on your sidewalk.
How much homeowners insurance do you need in Arkansas?
Arkansas state law doesn’t require homeowners insurance, but if you have a mortgage, your lender likely will. Even if you’ve paid off your home, home insurance protects you against liability claims and prevents you from paying costly claims entirely out of pocket.
Before purchasing a policy, it’s helpful to understand exactly what home insurance covers. A standard homeowners policy typically includes:
Dwelling coverage
Dwelling coverage pays to repair or rebuild your home’s structure after a covered event.
Personal property coverage
Personal property coverage replaces belongings if they’re damaged or destroyed by a fire, storm, theft, vandalism, or other covered perils.
Liability coverage
Personal liability insurance pays for expenses if you accidentally hurt someone or damage their property, and it covers your legal fees if someone sues you.
Loss of use coverage
Loss of use coverage reimburses you for additional living expenses (such as hotel stays and restaurant meals) if you have to move out of your home temporarily after a covered loss.
Depending on your location, you may want additional coverage, such as earthquake or flood insurance.
Some homeowners also choose replacement cost coverage instead of actual cash value, meaning insurers pay to replace damaged or destroyed items with new ones without factoring in depreciation.
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How to contact the Arkansas Insurance Department
The Arkansas Insurance Department protects consumers by regulating the insurance industry and prosecuting fraud. On the AID website, you can verify insurer licenses or file a complaint about unfair insurance claim denial.
To contact the department, call 1 (800) 282-9134 or 1 (501) 371-2600. You can also email [email protected].
Arkansas homeowners insurance FAQs
For more information on Arkansas homeowners insurance, see answers to the following frequently asked questions below.
How much is home insurance in Arkansas?
Homeowners insurance in Arkansas averages $3,168 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. Your actual insurance premium can vary depending on various factors, so requesting home insurance quotes from multiple companies gives you the most accurate pricing.
Which company has the cheapest homeowners insurance in Arkansas?
Farmers offers the cheapest homeowners insurance in Arkansas. A policy with $300,000 in dwelling coverage and a $1,000 deductible averages $128 per month.
Does Arkansas require homeowners insurance?
No. Arkansas law doesn’t require you to have homeowners insurance. But as long as you have a mortgage, your lender will require you to maintain coverage as a condition of your loan.[7]
How can you lower your home insurance premiums in Arkansas?
You may be able to lower your home insurance costs by comparing quotes, raising your deductible, and taking advantage of discounts, such as installing a security system or staying claims-free.[8]
Does homeowners insurance cover earthquakes in Arkansas?
Typically, no. Most standard homeowners insurance policies exclude earthquake damage. If your property’s at risk, you may want to add extra coverage through a separate earthquake insurance policy.
What is a wind/hail deductible in Arkansas homeowners insurance?
A wind/hail insurance deductible may apply if you file a claim for wind or hail damage. Insurers commonly calculate this deductible as a percentage of your policy limits, typically ranging from 1% to 5%.[9]
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Arkansas Economic Development Commission. "Cost of Living."
- National Weather Service. "Historic Weather Events in Arkansas."
- J.D. Power. "2025 U.S. Home Insurance Study."
- J.D. Power. "2025 Property Claims Satisfaction Study."
- National Association of Insurance Commissioners. "Why Are My Insurance Premiums Increasing?."
- Southern Climate Impacts Planning Program. "Simple Planning Tool: Arkansas."
- Arkansas Insurance Department. "Consumers FAQ."
- Insurance Information Institute. "How to save money on your homeowners insurance."
- Insurance Information Institute. "Understanding your insurance deductibles."
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Carley ClarkInsurance Writer
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Becky HelzerEditor
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in