Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Arkansas Average homeowners insurance cost in Arkansas Homeowners insurance in Arkansas costs $3,948 per year or $329 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Arkansas homeowners insurance costs $3,948 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Arkansas. Key Takeaways Homeowners insurance costs an average of $3,948 a year, based on Insure.com analysis.Of all the ZIP codes in Arkansas, 72207 has the most affordable home insurance rates at around $3,800 annually.In Arkansas, State Farm provides the most affordable home insurance at an average annual premium of $3,195. Average home insurance cost in Arkansas by coverage levelThe average cost of homeowners insurance in Arkansas is $3,948 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $4,787 per year for homeowners insurance in Arkansas for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Arkansas for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$3,323 $277 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$3,328 $277 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$3,948 $329 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$3,958 $330 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$4,787 $399 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$4,795 $400 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$7,721 $643 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$7,736 $645 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$12,424 $1,035 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$12,444 $1,037 Homeowners insurance companies in Arkansas decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in ArkansasIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Arkansas using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Arkansas. Based on the analysis, Farm Bureau Insurance of Arkansas received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreFarm Bureau Insurance of Arkansas$3,367A0.045Shelter Insurance$4,075A0.424.32Auto-Owners$5,525A++0.334.31Farmers$4,548A0.544.06State Farm$3,195A++0.953.92Allstate$3,407A+0.93.87Nationwide$3,737A+0.873.84Travelers$9,591A++0.543.22Average homeowners insurance cost by company in ArkansasState Farm provides the most affordable homeowners insurance in Arkansas, with an average annual premium of $3,195. Farm Bureau Insurance of Arkansas and Allstate also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Arkansas with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateState Farm$3,195$266Farm Bureau Insurance of Arkansas$3,367$281Allstate$3,407$284Nationwide$3,737$311Shelter Insurance$4,075$340Auto-Owners$5,525$460Farmers$5,893$491Travelers$12,444$1,037USAA$3,634$303Arkansas homeowners insurance rates by ZIP codeIn Arkansas, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Arkansas. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in ArkansasHomeowners insurance costs in Arkansas can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 72207 area has the most affordable insurance rates, at $3,800 annually or $317 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Arkansas.ZIP codeAverage annual rateAverage monthly rate72207$3,800$31772205$3,829$31972113$3,883$32472116$3,911$32672223$3,931$32872227$3,943$32972758$3,944$32972212$3,954$33072211$3,958$33072118$3,977$331Most expensive ZIP codes for home insurance rates in ArkansasIn Arkansas, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 72540 ZIP pay the highest insurance rates in Arkansas, with an average annual premium of $6,075.Below is a list of some of the most expensive ZIP codes in Arkansas for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate72540$6,075$50672577$6,036$50372573$6,030$50272536$5,957$49672517$5,857$48872475$5,824$48572322$5,801$48372387$5,755$48072075$5,713$47672341$5,703$475Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Arkansas by cityFayettevilleFort SmithJonesboroLittle RockHome insurance rate trend in ArkansasWe analyzed home insurance rate trends in Arkansas and found that homeowners insurance rates experienced an overall decrease of 3% or $114, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$3,365$4,062$3,948To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Arkansas.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Arkansas Average renters insurance cost in Arkansas Average car insurance cost in Arkansas Non-owner auto insurance in Arkansas How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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