Average homeowners insurance cost in Little Rock, AR

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In Little Rock, homeowners pay an average annual rate of $3,865 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,283 more than the national average of $2,582.

Homeowners insurance premiums can vary significantly from one property to another. In Little Rock, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Little Rock, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Little Rock.

Key takeaways

The cost of your homeowners insurance policy in Little Rock can vary based on factors such as your location, the value of your home, and the coverage options you select.
State Farm is the cheapest homeowners insurance company in Little Rock with an average annual premium of $2,956.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $738 more, annually for home insurance.

Average homeowners insurance cost in Little Rock per month

Little Rock homeowners pay an average of $322 a month, based on our rate analysis. It’s $7 less than the state average of $329 and $107 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Little Rock 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 Little Rock

The average cost of homeowners insurance in Little Rock, AR is $3,127 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 Little Rock

According to a rate analysis by Insure.com, homeowners in Little Rock pay an average of $3,865 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $738 more a year for home insurance. It would be best to buy enough insurance to cover the full 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 Little Rock by company

Among the carriers analyzed, State Farm is the most affordable homeowners insurance company in Little Rock. It’s average annual rate for homeowners in Little Rock is $2,956.

Farm Bureau Mutual Ins Co of AR, ranks second and Allstate makes it to the third spot with an average annual home insurance rate of $3,191.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Little Rock and compiled a list of the most affordable home insurance companies.

Below are details of Little Rock home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
State Farm	$2,956
Farm Bureau Mutual Ins Co of AR	$3,163
Nationwide	$3,463
Shelter Insurance	$3,834
Farmers	$4,485
Auto-Owners	$4,949
Travelers	$9,540
Allstate	$3,191
USAA*	$3,164

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Little Rock 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.