Average homeowners insurance cost in Jonesboro, AR

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.

The average cost of homeowners insurance in Jonesboro is $4,276 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,694 more than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Jonesboro depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Jonesboro, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Jonesboro.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Jonesboro.

Key takeaways

The cost of your homeowners insurance policy in Jonesboro can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in Jonesboro with an average annual premium of $2,762.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $1,057 more, annually for home insurance.

Average homeowners insurance cost in Jonesboro per month

Jonesboro homeowners pay an average of $356 a month, based on our rate analysis. It’s $27 more than the state average of $329 and $141 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Jonesboro may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Jonesboro

The average cost of homeowners insurance in Jonesboro, AR is $3,219 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Jonesboro

As per rate analysis by Insure.com, homeowners residing in Jonesboro typically pay an average of $4,276 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $1,057 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Jonesboro by Company

Among the carriers analyzed, Allstate is the cheapest homeowners insurance company in Jonesboro. It’s average annual rate for Jonesboro homeowners is $2,762. Farm Bureau Mutual Ins Co of AR ranks second and State Farm makes it to the third spot with an average annual home insurance rate of $3,023.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Jonesboro and prepared a list of the cheapest home insurance providers. You can find below the Jonesboro home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Allstate	$2,762
Farm Bureau Mutual Ins Co of AR	$3,023
State Farm	$3,023
Nationwide	$3,923
Auto-Owners	$5,082
Farmers	$6,176
Travelers	$9,594
Shelter Insurance	$4,277
USAA*	$2,857

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Jonesboro for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.