Best and Cheapest Homeowners Insurance in Arkansas for 2025

Amica, USAA and Travelers top the list for best and cheapest homeowners insurance in Arkansas with Amica at $92/month and local claims handling prioritazion through dedicated adjusters. USAA’s specialized storm coverage for military families and Travelers eco-friendly discounts.

Arkansas homeowners face big weather risks with wind and hail damage accounting for 35% of claims at $8,000 per claim. The article looks at coverage options by region with Little Rock having the most claims per year at 1,350.

Insurance Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$92	A+	Customer Satisfaction	Amica
	#2	$96	A++	Military Families	USAA
	#3	$100	A++	Flexible Coverage	Travelers
	#4	$104	B	Local Agent Support	State Farm
	#5	$105	A+	Customizable Policies	Nationwide
	#6	$106	A+	AARP Members	The Hartford
	#7	$108	A	Coverage Add-Ons	Farmers
	#8	$109	A+	Bundling Discounts	Progressive
	#9	$113	A	New Homebuyers	Liberty Mutual
	#10	$117	A+	Digital Tools	Allstate

Insurers offer top ways for customers to save with multi-policy bundling offering the most savings up to 25%. Compare quotes from the cheapest home insurance companies by entering your ZIP code into our free tool.

What You Should Know

• Amica prioritized claim handling through local adjusters
• USAA follows with specialized coverage for military families
• Insurance providers offer savings through bundling discounts up to 25%

#1 - Amica: Top Overall Pick

Pros

• Arkansas Home Insurance Savings: The company provides consistently low homeowners insurance rates across all Arkansas coverage regions.
• Local Coverage Options: Their policies are specifically customized to address common risks faced by Arkansas homeowners. They also have renters coverage, read our Amica renters insurance review.
• Claims Processing: Arkansas residents receive priority claim handling through dedicated local adjusters for faster resolutions.

Cons

• Quote Process: Their home insurance quotes in Arkansas require extensive documentation and longer processing times.
• Coverage Limits: Minimum coverage requirements for cheap homeowners insurance in Arkansas exceed most homeowners' needs.

#2 - USAA: Best for Military Families

Pros

• Military Discounts: With USAA, active service members receive the most competitive home insurance rates throughout Arkansas communities.
• Arkansas Storm Coverage: Their policies include comprehensive protection against severe weather events common in Arkansas regions.
• Local Support: Military families get personalized assistance from Arkansas-based insurance specialists for all coverage needs.

Cons

• Eligibility Requirements: The best homeowners insurance rates are exclusively available to military members in Arkansas.
• Coverage Areas: Their home insurance services are not readily available in certain Arkansas rural locations.

#3 - Travelers: Best for Eco-Friendly Homes

Pros

• Green Home Benefits: Environmentally conscious Arkansas homeowners receive significant discounts for certified sustainable building features.
• Regional Protection: Travelers' home insurance policies in Arkansas offer enhanced coverage for solar panels and installations.
• Energy Credits: Homeowners can earn additional insurance discounts by implementing energy-efficient improvements to their properties.

Cons

• Quote Limitations: Arkansas homeowners must complete detailed green certification assessments before receiving insurance quotes.
• Premium Adjustments: Non-eco-friendly homes face higher rates for standard homeowners insurance coverage in Arkansas.

#4 - State Farm: Best Local Agent Network

Pros

• Local Expertise: State Farm's extensive network of Arkansas agents to help with your homeowners insurance needs.
• Regional Knowledge: Agents know the specific Arkansas home insurance requirements for each county and neighborhood.
• Claims Support: Policyholders get in-person help throughout the entire Arkansas claims process.

Cons

• Online Access: The online platform lacks features to manage your Arkansas homeowner insurance policies.
• Quote System: Getting a quote requires scheduling appointments with local Arkansas insurance agents.

#5 - Nationwide: Best Water Damage Protection

Pros

• Flood Coverage: Arkansas homeowners receive comprehensive protection against various types of water-related damage claims.
• Water Protection: Nationwide's policies include specialized coverage for Arkansas homes in areas prone to flooding.
• Prevention Discounts: Installing water detection systems can significantly reduce Arkansas home insurance premium costs annually.

Cons

• Coverage Restrictions: Properties in high risk Arkansas flood zones have limited coverage options and higher rates.
• Quote Requirements: Homeowners must go through water risk assessments before getting Arkansas insurance quotes.

#6 - The Hartford: Best for AARP Members

Pros

• Senior Benefits: AARP members in Arkansas receive exclusive discounts and enhanced coverage for their homes.
• Age Discounts: The Hartford's policies provide specialized benefits for Arkansas homeowners aged fifty-five and older.
• Retirement Protection: Retirees receive comprehensive coverage options designed specifically for Arkansas senior living communities.

Cons

• Age Requirements: The most competitive Arkansas homeowners insurance rates are limited to senior AARP members.
• Membership Costs: Additional AARP membership fees affect the total cost of home insurance in Arkansas.

#7 - Farmers: Best Deductible Benefits

Pros

• Declining Costs: Arkansas homeowners can reduce their deductibles annually through consistent claim-free policy maintenance.
• Claims Benefits: Farmers offers unique forgiveness programs for first-time claims on Arkansas home insurance.
• Payment Options: Policyholders can choose from multiple payment plans for their Arkansas homeowners insurance coverage.

Cons

• Initial Rates: New Arkansas homeowners face higher starting premiums before qualifying for declining deductible benefits.
• Coverage Timeline: Customers must maintain policies for several years to access the best Arkansas rates.

#8 - Progressive: Best Bundling Options

Pros

• Multi-Policy: Arkansas residents can save substantially by combining home and auto insurance coverage plans.
• Package Deals: Progressive's bundled insurance packages offer the most significant discounts for Arkansas homeowners policies.
• Discount Options: Homeowners can access multiple savings opportunities through Progressive's Arkansas insurance discount programs.

Cons

• Individual Rates: Standalone Arkansas home insurance policies cost significantly more without bundling other coverage options.
• Quote Variations: Complex bundling options make it challenging to compare Arkansas home insurance quotes accurately.

#9 - Liberty Mutual: Best Customizable Coverage

Pros

• Flexible Plans: Arkansas homeowners can build personalized insurance packages that match their specific coverage needs.
• Coverage Choices: Liberty Mutual's policies offer numerous add-on options for enhanced protection of Arkansas homes.
• Policy Options: Customers can adjust their Arkansas homeowners insurance coverage as their protection needs change.

Cons

• Basic Coverage: Standard Arkansas home insurance policies require numerous add-ons for comprehensive protection.
• Quote Complexity: The customization process makes it challenging to obtain quick home insurance quotes in Arkansas.

#10 - Allstate: Best Rewards Program

Pros

• Loyalty Benefits: Long-term Arkansas policyholders earn increasing rewards through their comprehensive membership program.
• Claim-Free Rewards: Arkansas homeowners receive substantial discounts for maintaining claim-free insurance records over time.
• Program Savings: Allstate's rewards program offers various ways to reduce Arkansas home insurance costs annually.

Cons

• Initial Costs: New Arkansas homeowners face higher premiums before qualifying for loyalty program benefits.
• Quality Requirements: Strict home maintenance standards must be met for best Arkansas insurance discount eligibility.

Cheap Homeowners Insurance Rates in Arkansas

Looking at the current homeowners insurance landscape in Arkansas, several major insurance providers offer varying rates for both minimum and full coverage.

The table below compares ten leading insurance companies operating in the state, showing their respective monthly premium rates. As shown in the comparison below, Amica leads with the most competitive rates, offering minimum coverage at $91 and full coverage at $183.

Insurance Company	Minimum Coverage	Full Coverage
	$116	$233
	$91	$183
	$108	$216
	$112	$225
	$104	$208
	$108	$216
	$104	$208
	$104	$208
	$100	$200
	$95	$191

USAA follows as the second most affordable option, while Allstate presents the highest rates among the compared providers. Based on these risk assessment grades, Arkansas presents moderate insurance challenges.

Category	Grade	Explanation
Theft Rates	B	Moderate theft rates in urban and suburban areas.
Average Claim Size	B	Claims average around $3,500 per event.
Premium Affordability	B	Homeowners insurance premiums are slightly above the national average.
Uninsured Homeowners Rate	C	A significant portion of homeowners lack proper coverage.
Weather-Related Risk	C	High risk of tornadoes, hailstorms, and occasional flooding.

These factors contribute to the state's insurance landscape, where companies like Amica, USAA, and Travelers have developed competitive pricing strategies to balance coverage needs with affordability for Arkansas homeowners.

When selecting an insurance provider, it's important to understand not just the rates, but also how they handle claims - if you're curious about the claims process, check out our guide on homeowners insurance claim check questions for detailed information about what to expect.

Arkansas Homeowners Insurance Overview

Arkansas homeowners face several key risks requiring insurance coverage. The data shows wind and hail damage leading at 35% of claims ($8,000 average), followed by water damage at 25% ($5,500), and fire damage at 20% ($15,000).

Theft and liability claims, while less frequent, still represent significant costs at $3,000 and $20,000 per claim respectively.

Claim Type	Portion of Claims	Cost per Claim
Wind/Hail Damage	35%	$8000
Water Damage	25%	$5500
Fire/Smoke Damage	20%	$15000
Theft	15%	$3000
Liability Claims	5%	$20000

Looking at regional data, claim frequency varies significantly by city size in Arkansas. Little Rock leads with 1,350 annual claims, while Fayetteville follows with 1,080 claims.

City	Accidents per Year	Claims per Year
Bentonville	400	360
Conway	500	450
Fayetteville	1,200	1,080
Fort Smith	900	810
Hot Springs	300	270
Jonesboro	700	630
Little Rock	1,500	1,350
North Little Rock	600	540
Pine Bluff	350	315
Rogers	250	225

This urban concentration of claims activity has led major insurers to develop region-specific coverage options and pricing strategies to better serve homeowners across different areas.

Read More: 6 Homeowners Insurance Myths You Need to Know

Available Discounts From Homeowners Insurance Providers in Arkansas

Looking to maximize your savings on homeowners insurance in Arkansas? Understanding available discounts is crucial for securing the most affordable coverage.

Discount Name	Grade	Savings	Participating Providers
Bundling Policies	A	25%	State Farm, Allstate, Nationwide, Farmers
Safety Features	A	20%	Liberty Mutual, Geico, Travelers
Claims-Free History	B	15%	Progressive, American Family
Paperless Billing	B	10%	Liberty Mutual, Allstate
Pay-in-Full	B	10%	Nationwide, State Farm

Leading insurance providers in the state offer various discount opportunities that can significantly reduce your premium costs. Below, we've compiled a comprehensive list of discounts offered by major insurers operating in Arkansas:

Insurance Company	Available Discounts
	Multi-Policy, Claim-Free, Early Signing, Responsible Payment
	$Multi-Policy, Loyalty, Autopay, Claim-Free
	$Multi-Policy, Home Safety, Smart Home, New Home Buyer
	$Multi-Policy, Early Shopper, Claims-Free, New Roof
	$Multi-Policy, Protective Devices, Claims-Free, New Home
	$Multi-Policy, New Home Purchase, Pay-In-Full, Claims-Free
	$Multi-Policy, Home Security Systems, Claim-Free, Roofing
	$Bundling, Security Systems, New Home, Claims-Free, Retiree
	$Multi-Policy, Protective Devices, Green Home, Loyalty
	$Bundling Home And Auto, Loyalty, Protective Devices

As you can see from the table above, most Arkansas insurance providers offer multiple ways to save on your homeowners insurance. The most common discount across all companies is the multi-policy or bundling option, which can lead to significant savings when you combine your home and auto insurance.

Read More: Top 5 Ways to Save Money on Your Homeowners Insurance Premium

Top Homeowners Insurance Companies in Arkansas

Amica, USAA, and Travelers emerge as the best and cheapest homeowners insurance in Arkansas, with Amica offering the lowest rates starting at $91 for minimum coverage.

USAA providing exclusive military member benefits with competitive rates at $95, and Travelers featuring unique green home discounts alongside affordable $100 minimum coverage rates.

Congrats, @jaytatum0! 🔥🏀☘️ https://t.co/qjekQW5mst

— Amica Insurance (@Amica) December 22, 2024

All these companies offer substantial multi-policy discounts that significantly reduce premium costs and save money on homeowners insurance for Arkansas residents. Don’t settle for expensive home insurance premiums. Enter your ZIP code to find robust coverage for your dwelling at an affordable price.