Best Arkansas Homeowners Insurance for 2026
State Farm has the lowest premiums, but Farmers also offers many ways to save.
Advertising Disclosures
Loading Disclosures…
- State Farm is the best homeowners insurance company in Arkansas, in part because of its affordability.
- The average homeowners premium in Arkansas is $3,902 per year, which is 48% higher than the national average.
- Wind-driven claims are largely behind rising premiums, but Arkansas has passed laws to help homeowners save on coverage and roof upgrades.
Best homeowners insurance in Arkansas
In Arkansas, the best home insurance comes from State Farm. Its premiums are far cheaper than average.
Farmers’ base premiums are a bit more expensive, but you may be able to bring your premium down with some of its many discounts.
USAA is best for military families. It offers military-centric benefits you aren’t likely to find with other carriers.
Best overall homeowners insurance company in Arkansas: State Farm
Average annual rate: $2,794
Why we chose it: In Arkansas, State Farm’s average home insurance premium is $2,794, almost a third lower than the state average. And in State Farm’s case, a low premium doesn’t mean low value. It offers plenty of coverage options so you can personalize your policy.
Who it’s best for: State Farm is best for most homeowners in Arkansas, especially those looking for the lowest rates.
PROS
- Lowest average premiums in the state
- Good variety of available add-ons
- Cheap car insurance premiums for bundling
CONS
- More consumer complaints than average
- Fewer discounts compared to some companies
Best for discounts: Farmers
Average annual rate: $3,322
Why we chose it: You may be able to offset Farmers’ slightly higher premiums through its many discounts — it offers more than most carriers. Plus, many of its discounts are easier to get, like going paperless. If Farmers is affordable for you, you can access features like declining deductibles
Who it’s best for: Farmers is best for homeowners who don’t mind paying a little more for unique coverage and benefits.
PROS
- Lots of discount opportunities
- Unique coverage and benefits
- Fewer consumer complaints than average
CONS
- State Farm is cheaper
Best for military families: USAA
Average annual rate: $2,895
Why we chose it: Arkansas has a large population of veterans and several military bases. USAA specializes in insurance and banking products for military members and their families. Assuming you meet membership requirements, policies come with military-specific benefits like no deductibles on uniforms and coverage for military equipment.
Who it’s best for: USAA is best for eligible military members, veterans and their families.
PROS
- In tune with military needs
- Free job-finding service
- Fewer consumer complaints than average
CONS
- Only military-affiliated homeowners are eligible
- Not as many discounts
Compare Arkansas home insurance rates and ratings
In Arkansas, rates can vary significantly between insurers. Comparing multiple options is essential to find the best home insurance company for you.
| Company | Average annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $2,794 | 4/5 | 1.4 |
| Farmers | $3,322 | 3.5/5 | 0.7 |
 | Farm Bureau | $3,614 | 3.5/5 | 0.1 |
 | Nationwide | $4,757 | 3.5/5 | 1.2 |
 | Shelter | $4,943 |  4.5/5 | 0.4 |
 | Allstate | $4,986 | 4/5 | 1.2 |
| USAA* | $2,895 | 4/5 | 0.5 |
LendingTree analyzed thousands of quotes from top insurers across Arkansas to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See the full methodology.
How much is homeowners insurance in Arkansas?
The average cost of home insurance in Arkansas is $3,902 per year, or $325 a month.
Homeowners insurance in Arkansas is generally expensive — nearly 50% higher than the national average of $2,628 a year. In fact, Arkansas has the sixth-most expensive homeowners insurance in the country, according to LendingTree research.
Arkansas’ extreme, unpredictable weather is partially to blame for the state’s high home insurance rates. Tornadoes and hail are common, typically causing millions of dollars in damage each year.
Average home insurance rates by dwelling coverage amount
How much coverage you have also determines the cost of homeowners insurance. Dwelling coverage (or Coverage A) is the part of your policy that pays to repair or rebuild your home and attached structures after a covered loss.
The amount of coverage you should carry depends on how much it would cost to rebuild your home in today’s market. Insurance companies have tools to help you figure out a limit that makes sense.
Home insurance rates by dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| State Farm | $2,359 | $2,794 | $3,345 | $3,928 |
| Farmers | $2,406 | $3,322 | $4,286 | $6,139 |
| USAA* | $2,507 | $2,895 | $3,521 | $4,486 |
| State average | $3,183 | $3,902 | $4,879 | $6,221 |
Arkansas home insurance rates by city
Residents of Cammack Village enjoy the lowest average home insurance premiums in Arkansas, at $3,331 a year. Meanwhile, homeowners in the small town of Weiner pay an average of $4,473, the highest in the state.
When setting rates, insurers may weigh factors such as an area’s historical claim frequency, average claim payouts, home values, proximity to fire departments, microclimates and proprietary catastrophe models.
| City | Average rate |
|---|---|
| Adona | $3,759 |
| Alexander | $3,605 |
| Alicia | $4,127 |
| Alix | $3,986 |
| Alleene | $4,114 |
| Alma | $4,312 |
| Almyra | $3,730 |
| Alpena | $3,856 |
| Alpine | $3,805 |
| Altheimer | $3,814 |
| Altus | $4,025 |
| Amagon | $4,458 |
| Amity | $3,806 |
| Antoine | $3,812 |
| Arkadelphia | $3,847 |
| Arkansas City | $3,931 |
| Armorel | $4,122 |
| Ash Flat | $3,811 |
| Ashdown | $4,103 |
| Atkins | $3,676 |
| Aubrey | $4,064 |
| Augusta | $4,117 |
| Austin | $3,731 |
| Avoca | $3,597 |
| Bald Knob | $3,909 |
| Banks | $3,956 |
| Barling | $4,305 |
| Barton | $4,081 |
| Bass | $3,724 |
| Bassett | $4,146 |
| Batesville | $3,735 |
| Bauxite | $3,682 |
| Bay | $3,791 |
| Bearden | $3,756 |
| Bee Branch | $3,544 |
| Beebe | $3,686 |
| Beech Grove | $4,313 |
| Beedeville | $4,329 |
| Beirne | $3,826 |
| Bella Vista | $3,668 |
| Belleville | $3,824 |
| Ben Lomond | $4,137 |
| Benton | $3,766 |
| Bentonville | $3,816 |
| Bergman | $3,851 |
| Berryville | $3,861 |
| Bethel Heights | $3,600 |
| Bexar | $3,766 |
| Big Flat | $3,658 |
| Bigelow | $3,488 |
| Biggers | $4,058 |
| Bismarck | $3,682 |
| Black Oak | $3,809 |
| Black Rock | $4,227 |
| Blevins | $4,229 |
| Bluff City | $3,942 |
| Bluffton | $3,818 |
| Blytheville | $4,260 |
| Board Camp | $3,758 |
| Boles | $3,761 |
| Bonnerdale | $3,679 |
| Bono | $3,849 |
| Booneville | $3,962 |
| Bradford | $3,910 |
| Bradley | $4,030 |
| Branch | $3,891 |
| Brickeys | $4,245 |
| Briggsville | $3,808 |
| Brinkley | $4,322 |
| Brockwell | $4,201 |
| Brookland | $3,773 |
| Bruno | $3,740 |
| Bryant | $3,715 |
| Buckner | $3,921 |
| Bull Shoals | $3,496 |
| Burdette | $4,263 |
| Cabot | $3,803 |
| Caddo Gap | $3,873 |
| Caldwell | $4,335 |
| Cale | $3,960 |
| Calico Rock | $4,008 |
| Calion | $4,074 |
| Camden | $3,761 |
| Cammack Village | $3,331 |
| Camp | $3,760 |
| Canehill | $3,901 |
| Caraway | $3,747 |
| Carlisle | $3,778 |
| Carthage | $3,922 |
| Casa | $3,798 |
| Cash | $3,859 |
| Casscoe | $3,762 |
| Caulksville | $3,949 |
| Cave City | $3,855 |
| Cave Springs | $3,701 |
| Cecil | $3,837 |
| Cedarville | $4,443 |
| Center Ridge | $3,676 |
| Centerton | $3,805 |
| Charleston | $3,864 |
| Charlotte | $3,748 |
| Cherokee Village | $3,847 |
| Cherry Valley | $4,356 |
| Chester | $3,932 |
| Chidester | $4,001 |
| Clarendon | $4,312 |
| Clarkedale | $4,238 |
| Clarkridge | $3,677 |
| Clarksville | $3,986 |
| Cleveland | $3,634 |
| Clinton | $3,604 |
| Coal Hill | $3,953 |
| College Station | $3,523 |
| Colt | $4,334 |
| Columbus | $4,237 |
| Combs | $3,528 |
| Compton | $3,995 |
| Concord | $3,584 |
| Conway | $3,491 |
| Cord | $3,736 |
| Corning | $4,278 |
| Cotter | $3,561 |
| Cotton Plant | $4,223 |
| Cove | $4,047 |
| Coy | $3,763 |
| Crawfordsville | $4,109 |
| Crocketts Bluff | $3,763 |
| Crossett | $4,349 |
| Crumrod | $4,024 |
| Curtis | $4,038 |
| Cushman | $3,737 |
| Damascus | $3,615 |
| Danville | $4,028 |
| Dardanelle | $3,810 |
| Datto | $4,300 |
| De Queen | $4,133 |
| De Valls Bluff | $4,098 |
| De Witt | $3,741 |
| Decatur | $3,867 |
| Deer | $3,978 |
| Delaplaine | $4,323 |
| Delaware | $3,771 |
| Delight | $3,838 |
| Dell | $4,262 |
| Dennard | $3,643 |
| Dermott | $4,161 |
| Des Arc | $4,116 |
| Desha | $3,747 |
| DeWitt | $3,733 |
| Diamond City | $3,843 |
| Diaz | $4,438 |
| Dierks | $4,283 |
| Doddridge | $3,997 |
| Dolph | $4,024 |
| Donaldson | $3,680 |
| Dover | $3,725 |
| Drasco | $3,571 |
| Driver | $4,202 |
| Dumas | $4,136 |
| Dyess | $4,282 |
| Earle | $4,090 |
| East Camden | $3,768 |
| East End | $3,546 |
| Edgemont | $3,562 |
| Edmondson | $4,089 |
| El Dorado | $3,920 |
| El Paso | $3,620 |
| Elaine | $4,115 |
| Elizabeth | $3,726 |
| Elkins | $3,520 |
| Elm Springs | $3,879 |
| Emerson | $3,695 |
| Emmet | $4,075 |
| England | $3,728 |
| Enola | $3,562 |
| Ethel | $3,781 |
| Etowah | $4,286 |
| Eudora | $4,264 |
| Eureka Springs | $3,858 |
| Evansville | $3,839 |
| Evening Shade | $3,897 |
| Everton | $3,909 |
| Fairfield Bay | $3,623 |
| Farmington | $3,921 |
| Fayetteville | $3,785 |
| Fifty Six | $4,075 |
| Fisher | $4,364 |
| Flippin | $3,527 |
| Floral | $3,665 |
| Fordyce | $3,791 |
| Foreman | $4,105 |
| Forrest City | $4,297 |
| Fort Smith | $4,219 |
| Fouke | $4,022 |
| Fountain Hill | $4,354 |
| Fox | $3,838 |
| Franklin | $4,278 |
| Fredonia (Biscoe) | $4,022 |
| Frenchmans Bayou | $4,244 |
| Friendship | $3,701 |
| Fulton | $4,242 |
| Gamaliel | $3,702 |
| Garfield | $3,721 |
| Garland City | $3,953 |
| Garner | $3,815 |
| Gassville | $3,572 |
| Gateway | $3,701 |
| Genoa | $4,000 |
| Gentry | $3,999 |
| Gepp | $3,756 |
| Gibson | $3,668 |
| Gilbert | $3,830 |
| Gillett | $3,733 |
| Gillham | $4,123 |
| Gilmore | $4,230 |
| Glencoe | $3,768 |
| Glenwood | $3,826 |
| Goodwin | $4,289 |
| Goshen | $3,954 |
| Gosnell | $4,264 |
| Gould | $3,721 |
| Grady | $3,768 |
| Grannis | $3,995 |
| Grapevine | $3,634 |
| Gravelly | $3,957 |
| Gravette | $3,743 |
| Green Forest | $3,863 |
| Greenbrier | $3,553 |
| Greenland | $3,702 |
| Greenway | $4,233 |
| Greenwood | $3,862 |
| Greers Ferry | $3,519 |
| Gregory | $4,132 |
| Griffithville | $3,811 |
| Grubbs | $4,359 |
| Guion | $4,301 |
| Gurdon | $3,818 |
| Guy | $3,558 |
| Hackett | $3,891 |
| Hagarville | $3,779 |
| Hamburg | $4,364 |
| Hampton | $4,060 |
| Hardy | $3,862 |
| Harrell | $3,956 |
| Harriet | $3,846 |
| Harrisburg | $4,245 |
| Harrison | $3,855 |
| Hartford | $3,853 |
| Hartman | $3,997 |
| Harvey | $3,887 |
| Haskell | $3,559 |
| Hasty | $3,969 |
| Hatfield | $4,031 |
| Hattieville | $3,715 |
| Havana | $3,995 |
| Haynes | $4,203 |
| Hazen | $4,111 |
| Heber Springs | $3,528 |
| Hector | $3,736 |
| Helena-West Helena | $4,160 |
| Henderson | $3,723 |
| Hensley | $3,582 |
| Hermitage | $3,937 |
| Heth | $4,197 |
| Hickory Plains | $3,657 |
| Hickory Ridge | $4,326 |
| Higden | $3,517 |
| Higginson | $3,802 |
| Highfill | $3,842 |
| Highland | $3,865 |
| Hindsville | $3,470 |
| Hiwasse | $3,685 |
| Holiday Island | $3,886 |
| Holly Grove | $4,188 |
| Hope | $4,246 |
| Horatio | $4,117 |
| Horseshoe Bend | $3,982 |
| Hot Springs | $3,599 |
| Hot Springs National Park | $3,605 |
| Hot Springs Village | $3,532 |
| Houston | $3,594 |
| Hoxie | $4,185 |
| Hughes | $4,115 |
| Humnoke | $3,812 |
| Humphrey | $3,782 |
| Hunter | $4,229 |
| Huntington | $3,880 |
| Huntsville | $3,686 |
| Huttig | $3,930 |
| Ida | $3,547 |
| Imboden | $4,153 |
| Ivan | $3,783 |
| Jacksonport | $4,412 |
| Jacksonville | $3,736 |
| Jasper | $3,986 |
| Jefferson | $3,875 |
| Jersey | $3,952 |
| Jerusalem | $3,703 |
| Jessieville | $3,618 |
| Johnson | $3,874 |
| Joiner | $4,235 |
| Jones Mill | $3,844 |
| Jonesboro | $3,809 |
| Judsonia | $3,806 |
| Junction City | $3,827 |
| Keiser | $4,294 |
| Kensett | $3,686 |
| Keo | $3,843 |
| Kibler | $4,309 |
| Kingsland | $3,919 |
| Kingston | $3,619 |
| Kirby | $3,875 |
| Knobel | $4,317 |
| Knoxville | $3,822 |
| La Grange | $4,239 |
| Lafe | $4,302 |
| Lake City | $3,917 |
| Lake Hamilton | $3,587 |
| Lake Village | $4,251 |
| Lakeview | $3,562 |
| Lamar | $3,815 |
| Lambrook | $4,159 |
| Landmark | $3,535 |
| Langley | $3,964 |
| Lavaca | $4,401 |
| Lawson | $3,927 |
| Leachville | $4,361 |
| Lead Hill | $3,844 |
| Leola | $3,559 |
| Lepanto | $4,381 |
| Leslie | $3,884 |
| Letona | $3,698 |
| Lewisville | $4,031 |
| Lexa | $4,182 |
| Lincoln | $3,905 |
| Little Flock | $3,589 |
| Little Rock | $3,597 |
| Little Rock Air Force Base | $3,907 |
| Lockesburg | $4,120 |
| Locust Grove | $3,703 |
| London | $3,733 |
| Lonoke | $3,833 |
| Lonsdale | $3,640 |
| Louann | $3,763 |
| Lowell | $3,609 |
| Luxora | $4,288 |
| Lynn | $4,278 |
| Mabelvale | $3,676 |
| Madison | $4,301 |
| Magazine | $3,946 |
| Magnolia | $3,706 |
| Malvern | $3,836 |
| Mammoth Spring | $3,761 |
| Manila | $4,380 |
| Mansfield | $3,998 |
| Marble Falls | $4,009 |
| Marcella | $3,789 |
| Marianna | $4,232 |
| Marion | $4,039 |
| Marked Tree | $4,367 |
| Marmaduke | $4,299 |
| Marshall | $3,843 |
| Marvell | $4,147 |
| Maumelle | $3,590 |
| Mayflower | $3,546 |
| Maynard | $4,076 |
| Maysville | $3,701 |
| Mc Caskill | $4,192 |
| Mc Crory | $4,160 |
| Mc Dougal | $4,260 |
| Mc Gehee | $4,186 |
| Mc Neil | $3,919 |
| Mc Rae | $3,660 |
| McAlmont | $3,686 |
| McCrory | $4,150 |
| McGehee | $4,187 |
| Melbourne | $3,989 |
| Mellwood | $4,122 |
| Mena | $4,017 |
| Menifee | $3,683 |
| Midland | $3,977 |
| Midway | $3,574 |
| Mineral Springs | $4,243 |
| Minturn | $4,273 |
| Monette | $3,830 |
| Monticello | $3,970 |
| Montrose | $4,337 |
| Moro | $4,167 |
| Morrilton | $3,890 |
| Morrow | $3,848 |
| Moscow | $4,141 |
| Mount Holly | $3,801 |
| Mount Ida | $3,805 |
| Mount Judea | $3,724 |
| Mount Pleasant | $4,102 |
| Mount Vernon | $3,553 |
| Mountain Home | $3,572 |
| Mountain Pine | $3,574 |
| Mountain View | $3,944 |
| Mountainburg | $4,090 |
| Mulberry | $4,064 |
| Murfreesboro | $3,861 |
| Nashville | $4,275 |
| Natural Dam | $3,951 |
| New Blaine | $3,726 |
| New Edinburg | $3,885 |
| Newark | $3,730 |
| Newhope | $4,017 |
| Newport | $4,439 |
| Norfork | $3,682 |
| Norman | $3,841 |
| Norphlet | $3,790 |
| North Crossett | $4,354 |
| North Little Rock | $3,629 |
| O Kean | $4,025 |
| Oak Grove | $3,829 |
| Oak Grove Heights | $4,298 |
| Oakland | $3,508 |
| Oark | $3,983 |
| Oden | $3,844 |
| Ogden | $4,107 |
| Oil Trough | $3,734 |
| Okolona | $3,788 |
| Ola | $3,987 |
| Omaha | $3,800 |
| Oneida | $4,102 |
| Onia | $3,865 |
| Osceola | $4,291 |
| Oxford | $4,123 |
| Ozan | $4,262 |
| Ozark | $4,035 |
| Ozone | $3,966 |
| Palestine | $4,288 |
| Pangburn | $3,750 |
| Paragould | $4,294 |
| Paris | $4,062 |
| Parkdale | $4,342 |
| Parkin | $4,224 |
| Parks | $3,942 |
| Paron | $3,615 |
| Parthenon | $3,930 |
| Patterson | $4,189 |
| Pea Ridge | $3,642 |
| Peach Orchard | $4,273 |
| Pearcy | $3,597 |
| Peel | $3,672 |
| Pelsor | $3,791 |
| Pencil Bluff | $3,787 |
| Perry | $3,760 |
| Perryville | $3,538 |
| Pettigrew | $3,626 |
| Pickens | $4,205 |
| Piggott | $4,232 |
| Pindall | $3,826 |
| Pine Bluff | $3,832 |
| Pineville | $4,053 |
| Piney | $3,591 |
| Plainview | $3,846 |
| Pleasant Grove | $3,883 |
| Pleasant Plains | $3,734 |
| Plumerville | $3,820 |
| Pocahontas | $4,087 |
| Pollard | $4,262 |
| Ponca | $4,033 |
| Poplar Grove | $4,197 |
| Portia | $4,241 |
| Portland | $4,352 |
| Pottsville | $3,699 |
| Poughkeepsie | $3,896 |
| Powhatan | $4,241 |
| Poyen | $3,632 |
| Prairie Creek | $3,598 |
| Prairie Grove | $3,880 |
| Prattsville | $3,652 |
| Prescott | $3,915 |
| Prim | $3,557 |
| Proctor | $4,079 |
| Pyatt | $3,774 |
| Quitman | $3,546 |
| Ratcliff | $3,913 |
| Ravenden | $4,296 |
| Ravenden Springs | $4,118 |
| Rector | $4,339 |
| Redfield | $3,800 |
| Reydell | $3,827 |
| Reyno | $4,158 |
| Rison | $3,589 |
| Rivervale | $4,243 |
| Rockwell | $3,583 |
| Roe | $4,264 |
| Rogers | $3,614 |
| Rohwer | $3,989 |
| Roland | $3,591 |
| Romance | $3,620 |
| Rose Bud | $3,704 |
| Rosie | $3,696 |
| Rosston | $3,967 |
| Rover | $3,871 |
| Royal | $3,578 |
| Rudy | $4,370 |
| Russell | $3,911 |
| Russellville | $3,705 |
| Saffell | $4,287 |
| Sage | $4,285 |
| Salem | $3,834 |
| Saratoga | $4,213 |
| Scotland | $3,539 |
| Scott | $3,722 |
| Scranton | $3,898 |
| Searcy | $3,806 |
| Sedgwick | $4,231 |
| Shannon Hills | $3,671 |
| Sheridan | $3,629 |
| Sherrill | $3,794 |
| Sherwood | $3,704 |
| Shirley | $3,617 |
| Sidney | $4,307 |
| Siloam Springs | $3,984 |
| Sims | $3,806 |
| Smackover | $3,793 |
| Smithville | $4,247 |
| Snow Lake | $3,839 |
| Solgohachia | $3,689 |
| Sparkman | $3,761 |
| Springdale | $3,702 |
| Springfield | $3,870 |
| St. Charles | $3,685 |
| St. Francis | $4,254 |
| St. Joe | $3,824 |
| St. Paul | $3,704 |
| Stamps | $4,058 |
| Star City | $3,776 |
| State University | $3,862 |
| Stephens | $3,972 |
| Story | $3,806 |
| Strawberry | $4,262 |
| Strong | $3,915 |
| Sturkie | $3,817 |
| Stuttgart | $3,781 |
| Subiaco | $4,068 |
| Success | $4,274 |
| Sulphur Rock | $3,755 |
| Sulphur Springs | $3,747 |
| Summers | $3,915 |
| Summit | $3,523 |
| Sweet Home | $3,653 |
| Swifton | $4,352 |
| Taylor | $3,934 |
| Texarkana | $4,012 |
| Thida | $3,738 |
| Thornton | $4,067 |
| Tichnor | $3,622 |
| Tillar | $4,206 |
| Tilly | $3,619 |
| Timbo | $3,875 |
| Tollette | $4,237 |
| Tontitown | $3,888 |
| Traskwood | $3,592 |
| Trumann | $4,443 |
| Tucker | $3,849 |
| Tuckerman | $4,440 |
| Tumbling Shoals | $3,543 |
| Tupelo | $4,335 |
| Turner | $4,036 |
| Turrell | $4,104 |
| Twin Groves | $3,612 |
| Tyronza | $4,338 |
| Ulm | $3,963 |
| Umpire | $4,031 |
| Uniontown | $4,443 |
| Valley Springs | $3,726 |
| Van Buren | $4,451 |
| Vandervoort | $3,997 |
| Vanndale | $4,294 |
| Vendor | $3,941 |
| Vilonia | $3,686 |
| Viola | $3,840 |
| Violet Hill | $4,071 |
| Wabash | $4,125 |
| Wabbaseka | $3,799 |
| Walcott | $4,291 |
| Waldenburg | $4,472 |
| Waldo | $3,977 |
| Waldron | $3,957 |
| Walnut Ridge | $4,168 |
| Ward | $3,766 |
| Warm Springs | $4,094 |
| Warren | $3,923 |
| Washington | $4,244 |
| Watson | $4,114 |
| Weiner | $4,473 |
| Wesley | $3,427 |
| West Crossett | $4,351 |
| West Fork | $3,673 |
| West Helena | $4,182 |
| West Memphis | $4,038 |
| West Point | $3,697 |
| West Ridge | $4,245 |
| Western Grove | $3,796 |
| Wheatley | $4,309 |
| Whelen Springs | $4,074 |
| White Hall | $3,846 |
| Wickes | $4,016 |
| Wideman | $4,071 |
| Widener | $4,202 |
| Wilburn | $3,558 |
| Williford | $3,851 |
| Willisville | $3,969 |
| Wilmar | $3,985 |
| Wilmot | $4,339 |
| Wilson | $4,305 |
| Wilton | $4,078 |
| Winchester | $3,883 |
| Winslow | $3,719 |
| Winthrop | $4,082 |
| Wiseman | $4,056 |
| Witter | $3,757 |
| Witts Springs | $3,734 |
| Woodson | $3,584 |
| Wooster | $3,478 |
| Wright | $3,819 |
| Wrightsville | $3,609 |
| Wynne | $4,296 |
| Yellville | $3,747 |
| Yorktown | $3,776 |
Current state of homeowners insurance in Arkansas
Although Arkansas may not be dealing with an insurance crisis on the same scale as Florida or California, the Arkansas Senate reported in 2024 that eight carriers stopped selling property insurance in the state, likely contributing to its high average rates.
To help Arkansans better afford coverage, the state passed Act 427, also known as the Strengthen Arkansas Homes Program. It addresses rising rates by mandating that insurance companies offer certain roof-related discounts and benefits, as hail and wind are major causes of loss.
-
IBHS FORTIFIED-certified
home discounts: Insurance companies must offer a discount of 20% to 35% for homes that are IBHS FORTIFIED-certified.A home may be certified as Institute for Business & Home Safety (IBHS) FORTIFIED if it meets certain construction requirements that better withstand wind and wind-driven rain.
- FORTIFIED roof endorsement: Insurance companies must offer an endorsement that will upgrade the policyholder’s roof to one that is IBHS FORTIFIED-certified if it needs to be replaced after a covered loss.
- FORTIFIED Fund Grant Program: Eligible homeowners can qualify for up to $15,000 to replace their roof with one that is IBHS FORTIFIED-certified. New builds are capped at $7,500.
Before replacing your roof, talk to your insurance agent. Roof installation, material and home repairs must meet certain requirements to qualify for the IBHS FORTIFIED-certified discount.
How to compare homeowners insurance in Arkansas
When comparing home insurance quotes, don’t just look at rates, but also consider:
- Deductibles: Arkansas recently allowed insurers to offer separate deductibles for wind- or hail-caused roof damage. Make sure that your deductibles — the amount and what coverage they apply to — match across all quotes.
- Exclusions: Generally, home insurance does not cover floods. You usually need stand-alone flood insurance or a flood endorsement added to your home insurance for that. Read the fine print and understand what is covered.
- Add-ons: Add-ons (or endorsements) are homeowners insurance coverages you can add to your policy beyond what comes standard. Available add-ons depend on the carrier. If you want a specific add-on, make sure the company you’re shopping with offers it.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward, especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
No, homeowners insurance is not legally required in Arkansas. However, mortgage companies generally require it, so you usually have to maintain coverage until you’ve paid off your home.
Arkansas is at risk for severe weather, including high winds and hail. This leads to more frequent and costly claims. Construction labor and materials are also up due to inflation. When the cost of claims increases, rates typically follow.
If your company declines to renew your policy, it’s important to purchase a policy before your nonrenewal date to avoid a lapse in coverage. You may need to get high-risk home insurance. Using a loan marketplace like LendingTree or shopping through an independent agent will give you access to multiple companies at once, and casting a wider net can improve your chances of finding a willing company.
Methodology
How we chose the best homeowners insurance in Arkansas
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Arkansas ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.