Average home insurance cost in Arkansas
Arkansas is one of the most expensive states in America for home insurance, ranking #48 of 51. The average policy runs about 99% above the national average — an extra $2,465 a year, a premium insurers charge for the state's severe-weather claim history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.
Arkansas home insurance FAQ
How much is homeowners insurance in Arkansas?
Home insurance in Arkansas averages $4,955 per year — about $413 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Arkansas more expensive than average?
Yes. Arkansas's average of $4,955/year runs about 99% above the U.S. average of $2,490/year, ranking #48 of 51 (1 = cheapest).
How can I lower my home insurance bill in Arkansas?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.