5 Best Little Rock Homeowners Insurance Companies (2025)
Allstate and Nationwide are a couple of the best home insurance companies in Little Rock, Arkansas.
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Written byKat Tretina
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Table of contents
Although properties in Little Rock, Arkansas, tend to be relatively inexpensive, homeowners insurance is a different story. Due to the threat of tornadoes and flooding, as well as a high crime rate, Little Rock homeowners pay an average of $2,748 per year for a policy with $300,000 of dwelling coverage and a $1,000 deductible. This is lower than the statewide average of $3,012 per year for the same coverage.
The cost of your homeowners insurance policy will depend on your property value, ZIP code, home age, and whether you opt for additional coverage. Here’s what you need to know about homeowners insurance in Little Rock.
Quick Facts
Home insurance in Little Rock is higher than the nationwide average of $2,532 per year.
Little Rock is prone to tornadoes. An EF3 tornado struck the city in 2023, causing about $345 million in property damage.
Travelers, Foremost, and USAA are among the cheapest insurance companies in Little Rock.
Best home insurance companies in Little Rock
Although some insurers have left Arkansas, homeowners in Little Rock have several options. The right company for you will depend on your budget and your property, but we’ve identified some of the best homeowners insurance companies that offer policies to Little Rock residents.
Nationwide: Best for policy customization
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. | $219/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. | $333/mo |
Nationwide is an excellent insurer if you need to customize your homeowners insurance coverage. Besides standard types of insurance like dwelling or personal belongings coverage, you can personalize your policy with add-ons. Nationwide offers identity theft protection, water backup insurance, and even flood insurance add-ons.
You can also enhance your policy with dwelling replacement cost and better roof replacement protection to make your home even better than before if a covered peril damages it.
Pros
Flood insurance available
Multiple optional coverages and add-ons
Strong rating in J.D. Power 2025 U.S. Property Claims Satisfaction Study
Cons
Coverage not available in all states
Poor Trustpilot rating
Doesn’t cover manufactured homes
Allstate: Best for manufactured homes
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. | $189/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. | $267/mo |
In Arkansas, manufactured homes make up a little more than 11% of the state’s housing stock, according to the Lincoln Institute of Land Policy.[1] Little Rock has several mobile or manufactured home communities. Not all insurance companies offer coverage for manufactured or mobile homes, but Allstate does.
You can purchase coverage for a manufactured home and protect both your home and the contents inside it. Allstate also offers additional coverage, such as temporary collision coverage or personal property endorsements.
Pros
Quotes available online
Sells insurance for manufactured or mobile homes
Multiple bundling options
Cons
Below-average J.D. Power customer satisfaction rating
Poor Trustpilot rating
Higher-than-usual number of complaints with the National Association of Insurance Commissioners (NAIC)
USAA: Best for veterans and service members
USAACompare 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. | 8/10 |
|---|---|
| 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. | $190/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. | $252/mo |
USAA only offers coverage to veterans, service members, and their families. Veterans make up a little less than 5% of Little Rock’s population, and so a notable portion of the city can find coverage through the insurer. If you qualify for membership, USAA offers significantly lower-than-average rates. And the insurer has several policyholder perks, such as discounts on partner security system providers and moving companies.
Pros
Additional policyholder perks
Multiple discounts available
Participates in the National Flood Insurance Program (NFIP)
Cons
Coverage not available to civilians
Few discount programs
No physical agency offices
Foremost: Best for affordable coverage
affordable coverage
Foremost
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. | 5.2/10 |
|---|---|
| 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. | $199/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. | $315/mo |
Foremost stands out from other insurance companies thanks to its lower-than-average insurance premiums. Foremost’s average premiums are hundreds less than those of some other insurers. The company also offers flood insurance, so you can get added protection for your home if you live in a flood-prone area.
Pros
One of the cheapest insurance companies in Little Rock
Flood insurance available
Additional coverage options available
Cons
Quotes not available online
Poor Trustpilot rating
Limited policy information online
Travelers: Best for green homes
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 |
Little Rock launched aggressive green and energy efficiency programs to improve sustainability in the city, and green homes are increasingly common.[2] With that in mind, Travelers could be an excellent choice if you have a home in Little Rock that’s energy efficient.
Travelers offers homeowners a 5% insurance discount if the Leadership Energy and Environmental Design (LEED) organization certifies their homes as green.
Pros
Discounts for energy-efficient homes
Lower-than-average rates
Multiple optional add-ons
Cons
Below-average J.D. Power customer satisfaction rating
Poor Trustpilot rating
No wind-mitigation discount
Our editorial team analyzed regional and national home insurance companies that sell policies in Little Rock 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.
How much is home insurance in Little Rock?
On average, Little Rock homeowners pay $229 per month for homeowners insurance, assuming a policy with $300,000 in dwelling coverage and a $1,000 deductible. This is higher than the statewide average of $251 per month for the same coverage.
Several factors affect your home insurance rates:
Home value: In Little Rock, the average home is valued at about $214,000, according to Zillow data.[3] If your home has a higher valuation, coverage will likely be more expensive, since it’d be more expensive to repair or replace your property.
Deductible: Your deductible, or how much you have to pay before your insurer helps with the cost of repairing or replacing your property, affects your premiums. The higher your deductible, the more of the up-front risk you take on, so insurers will charge you a lower premium.
Discounts: Some homeowners can reduce their premiums by taking advantage of insurance discounts. Discounts vary by insurer, but Little Rock homeowners may be eligible for wind-mitigation or storm-resistant roof discounts.
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Cheapest home insurance companies in Little Rock
The cost of homeowners insurance in Little Rock varies by company. The table below highlights some of the cheapest home insurance companies in the city:
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Farmers | $1,140 |
| Travelers | $1,368 |
| Foremost | $1,500 |
| USAA | $1,860 |
| Allstate | $1,884 |
| Nationwide | $1,896 |
| State Farm | $2,196 |
| Encompass | $2,484 |
| Shelter | $2,496 |
| Auto-Owners | $3,396 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $2,556 |
| Travelers | $2,748 |
| USAA | $3,024 |
| Allstate | $3,204 |
| Foremost | $3,780 |
| State Farm | $3,816 |
| Nationwide | $3,996 |
| Encompass | $4,320 |
| Shelter | $5,004 |
| Auto-Owners | $6,696 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $3,624 |
| USAA | $4,092 |
| Travelers | $4,104 |
| Allstate | $4,416 |
| State Farm | $4,920 |
| Encompass | $5,628 |
| Nationwide | $5,640 |
| Foremost | $6,120 |
| Shelter | $6,876 |
| Auto-Owners | $10,476 |
How much homeowners insurance do you need in Little Rock?
A homeowners insurance policy has several different components:[4]
Dwelling coverage
Dwelling insurance pays to repair or rebuild your home if a covered peril damages or destroys it. You can multiply your home’s square footage by the average per-square-foot building cost in your area to calculate how much dwelling coverage you need.
Personal property coverage
Personal property insurance will pay to repair or replace your personal items, such as furniture or electronics, that a covered peril damages.
Additional living expenses coverage
If your home is uninhabitable during repairs necessitated by a covered peril, loss of use coverage can help with the cost of temporary housing.
Liability coverage
Liability insurance pays for medical bills, legal expenses, and legal settlements if someone is injured on your property.
Most coverages are based on your dwelling insurance: For instance, your personal property coverage is typically a percentage of your dwelling coverage. If you have $200,000 in dwelling coverage, your policy may provide up to 50% of that limit for personal belongings. If you have higher-end items or collectibles, you may need a higher coverage limit or a separate endorsement.
If you live in an area prone to flooding or water backup, you may need separate policies to provide additional protection, as standard insurance policies exclude those perils.
What to know about home insurance in Little Rock, AR
If you’re a homeowner in Little Rock, several factors affect the housing market and home insurance costs:
Fewer insurance options: Due to the high number of tornadoes and floods, several insurance companies have withdrawn from the state.
Additional insurance needs: Arkansas is prone to several natural disasters, including tornadoes, floods, and hailstorms. As a result, you may need separate forms of coverage to protect your home. You can purchase flood insurance or water backup coverage through a private insurer or the NFIP.
Higher crime rates: Little Rock has a higher rate of property crime than most of the state. But several insurance companies offer extra discounts for taking steps to protect your home, such as installing security systems and deadbolts.
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Average cost of home insurance in other cities in Arkansas
When it comes to homeowners insurance costs, where you live plays a significant role. Your state and even your ZIP code can affect your rates, since some areas are more prone to natural disasters or crime.
The table below shows the average annual premiums for homeowners insurance policies with $300,000 in dwelling coverage in different Arkansas cities.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Fayetteville | $2,688 |
| Little Rock | $2,748 |
Little Rock homeowners insurance FAQs
The following information can help answer any remaining questions you have about insuring a home in Little Rock.
In Little Rock, homeowners insurance averages $229 per month for a policy with $300,000 in dwelling coverage and a $1,000 deductible. If you need additional coverage, such as flood insurance, you’ll pay a higher overall rate.
The cheapest insurance company for homeowners insurance in Little Rock is Farmers, with an average monthly premium of $131.
No one company is best for every homeowner in Little Rock. But insurers like Foremost, Nationwide, and USAA offer competitive rates and strong service.
The 80% rule is a guideline that recommends insuring your property for at least 80% of its total replacement cost. For instance, if your home is valued at $200,000, you’d need a policy that provides at least $160,000 of coverage. If your home’s value changes over time, you may need to adjust your coverage.
In Arkansas, the average cost of a homeowners insurance policy for a home with $400,000 in dwelling coverage is $3,864 per year. This is significantly higher than the national annual average of $3,216.
Insurance companies in Arkansas can use your credit-based insurance score to help determine your premiums. In general, the better your credit history, the better rates you’ll qualify for on a homeowners policy.
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
- Lincoln Institute of Land Planning. "State of Manufactured Housing."
- City of Little Rock. "Sustainability Action Plan for City Operations."
- Zillow. "Little Rock, AR Housing Market."
- Insurance Information Institute. "Homeowners Insurance Basics."
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in