Arkansas lies around 400 miles inland, so homeowners in the state don’t have to be as concerned about direct hurricane strike risk as coastal states. However, severe convective storms — tornadoes, hail and straight-line winds — along with heavy rains/flash flooding and lightning remain major hazards across Arkansas, with recent years seeing elevated severe-weather losses nationally (NOAA Billion-Dollar Disasters; Triple-I on severe convective storms). If you live in Arkansas and are looking for the best home insurance provider to offer financial protection for your home, it may be helpful to research the following top home insurance companies.

On average, recent 2025 consumer-rate analyses place typical Arkansas homeowners (HO-3) premiums around $2,800–$3,500 per year for commonly modeled policies with roughly $250,000–$300,000 in dwelling coverage (see Bankrate, ValuePenguin, Insurify). By contrast, the latest state average homeowners expenditure based on NAIC data (data year 2022) compiled by the Insurance Information Institute is materially lower and should be viewed as a historical baseline rather than a current quote. Based on our review of availability in Arkansas, financial strength and recent satisfaction indicators, four solid choices to compare are Allstate, Auto-Owners, Travelers and USAA. To determine these carriers and who they are best for, our team considered the most recent J.D. Power scores for customer satisfaction, AM Best scores for financial strength, coverage options, available discounts and current market pricing.

The 4 Best Homeowners Insurance Companies in Arkansas

• Allstate – Best for discounts and digital tools
• Auto-Owners – Best for optional coverage and service
• Travelers – Best for coverage customization and discounts
• USAA – Best for Military-Centric Coverage and service

Customer satisfaction context and rankings are available in the latest J.D. Power U.S. Home Insurance Study.

*Most recent market analyses typically model about $250,000–$300,000 in dwelling coverage

**USAA not officially ranked by J.D. Power due to eligibility restrictions

Allstate

Allstate offers policyholders a wide range of options, from add-on coverage types and roof-surface loss settlement choices to varied discounts and robust digital tools. AM Best currently assigns the Allstate group an A+ (Superior) Financial Strength Rating (source), and its national catastrophe resources are relevant for Arkansas’ wind and hail exposure.

Auto-Owners 

Auto-Owners gives policyholders the opportunity to personalize their coverage through a wide range of coverage offerings and discounts, is available through independent agents, and performs well in recent customer satisfaction studies (J.D. Power). The company carries an A++ (Superior) Financial Strength Rating from AM Best (source).

Travelers

Travelers is often competitively priced for many Arkansas profiles and doesn’t sacrifice quality. The company offers a wide range of discounts, including one for houses equipped with green technology, strong optional endorsements, and a highly rated mobile app for simple policy management. Travelers carries an A++ (Superior) Financial Strength Rating from AM Best.

USAA

USAA consistently earns top-tier marks for customer satisfaction among eligible members and, as a company that only writes policies to those affiliated with the U.S. Military, specializes in offering coverage options and services that may be useful to servicemembers, veterans and their eligible families. The company also maintains strong financial strength and can be price-competitive in Arkansas, depending on your profile.

Average Cost of Homeowners Insurance in Arkansas

The average cost of home insurance in Arkansas has risen since earlier estimates. Recent 2025 market trackers estimate typical HO-3 premiums around $2,800–$3,500 per year for commonly modeled policies with roughly $250,000–$300,000 in dwelling coverage (Bankrate; ValuePenguin; Insurify). As a historical baseline, the latest NAIC-based average homeowners expenditure for Arkansas (data year 2022) published by the Insurance Information Institute is materially lower than current quotes. Elevated tornado/hail activity, higher reinsurance costs, and rebuilding-cost inflation have contributed to recent increases (Triple-I). Keep in mind that your individual premium will depend on a variety of factors, including your coverage amounts, roof age and condition, location-specific wind/hail risk, deductible choices and available discounts.

Average Annual Premiums from Homeowners Insurance Companies in Arkansas

The table below features average homeowners insurance rates for companies in Arkansas, based on data from Quadrant Information Services. Rates vary by state and company, as each company uses different underwriting formulas and 2025 price levels have shifted notably in Arkansas; treat these as illustrative averages and compare current quotes from multiple carriers (Bankrate; Insurify). For this reason, homeowners may benefit from comparing quotes from multiple insurance providers.

*Historical illustrative averages; current statewide estimates for typical coverage often fall around $2,800–$3,500 per year

Top 3 Cheapest Homeowners Insurance Companies in Arkansas 

• Compare multiple carriers: Prices vary widely by profile in 2025; include at least one national multiline option (e.g., State Farm, Allstate, Nationwide, Travelers, Farmers) when shopping.
• Consider regional/agency insurers: Shelter, Farm Bureau Insurance of Arkansas and Auto-Owners are frequently competitive in Arkansas depending on roof age, location and discounts.
• USAA if eligible: For military members, veterans and qualified family, USAA is often among the best values for service and price.

Top 3 Most Expensive Homeowners Insurance Companies in Arkansas

• High wind/hail ZIP codes: Homes in hail- and tornado-prone areas often see higher premiums and separate wind/hail deductibles.
• Older or high-risk roofs: Roof age/material and roof settlement terms (e.g., ACV or scheduled roofs) can significantly raise premiums or limit coverage.
• Broader coverage and lower deductibles: Extended replacement cost, ordinance or law, and lower deductibles improve protection but typically increase premium.

Arkansas Home Insurance Considerations

Despite its proximity to the Gulf of Mexico, Arkansas homeowners don’t have to worry about hurricanes as much as coastline states, since the state is about 400 miles inland. However, the state does experience frequent severe convective storms (tornadoes, hail and straight-line winds), heavy rain/flash flooding, lightning and occasional earthquake shaking tied to the New Madrid Seismic Zone that can damage homes (NOAA; Triple-I).

Arkansas homeowners might want to consider purchasing flood or earthquake insurance in addition to standard home insurance coverage to provide additional financial help in the event of a loss. NFIP premiums now use property-specific pricing under Risk Rating 2.0, so shop both NFIP and private flood where available (FEMA Risk Rating 2.0). The Arkansas Insurance Department’s homeowners page offers guidance on coverages, exclusions and disaster preparedness.

Helpful Resources for Arkansas Homeowners

If you’re experiencing any issues with your home insurance in Arkansas, resources exist to help you. The Arkansas Insurance Department (AID) website lists several links to help policyholders file complaints, find insurance policies, and get assistance with their insurance. The AID website also houses useful links on flood insurance, including information on how to apply for it. These links include tips for preparing for a storm and how to avoid losses during a flood. Many of these resources are also available in Spanish. You can also review AID’s homeowners insurance consumer guidance for coverage basics and shopping tips.

Federal Emergency Management Agency (FEMA) services are available during natural disasters in the area. FEMA’s Arkansas website lists helpful resources for managing a host of weather disasters, and links to the Arkansas Division of Emergency Management, Arkansas Office of the Governor and Inciweb – Incident Information System. To understand how flood premiums are determined today, see FEMA’s Risk Rating 2.0 overview.

Frequently asked questions

Methodology

We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers. 

To compare home insurance companies across the board, we considered the following factors:

• Customer Ratings — Customer ratings are an indication of satisfaction with the process of billing, interaction and filing a claim, amongst other indicators. We measured this using 2024 J.D. Power Home Insurance Study ratings.
• Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
• Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
• Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

Rates and examples cited here use modeled quote data from reputable rate trackers (e.g., Bankrate, ValuePenguin, Insurify). These are sample figures and should be used for comparative purposes only. Your quotes may be different.

The coverage limits for home insurance rates reflect the following coverage and limits:

• Coverage A, Dwelling: $200,000
• Coverage B, Other Structures: $0
• Coverage C, Personal Property: $100,000
• Coverage D, Loss of Use: $40,000
• Coverage E, Liability: $250,000
• Coverage F, Medical Payments: $1,500

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

Keep Reading

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Homeowners Insurance Buyer’s Guide

The Best Companies for Bundling Home and Auto Insurance in 2025