🏠 Home insurance cost in Arkansas (2026)
The estimated average is $3,450 per year — above the national average (+50% vs. the U.S. average of $2,300).
Arkansas is home to about 3.1 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Little Rock typically differ from smaller towns.
Estimate your home insurance in Arkansas
Arkansas home insurance estimator
Starts from the Arkansas average. Estimate only — get quotes to confirm.
Home insurance cost in Arkansas cities
| City | Population | Est. home insurance |
|---|---|---|
| Little Rock | 202,591 | $3,450 |
| Fayetteville | 101,680 | $3,450 |
| Fort Smith | 89,142 | $3,312 |
| Springdale | 87,590 | $3,312 |
Arkansas home insurance FAQ
How much is home insurance in Arkansas?
The estimated average home insurance in Arkansas is $3,450 per year, which is above the national average (+50% vs. the U.S. average of $2,300). Arkansas ranks 9 of 51 states from most to least expensive.
Why is home insurance expensive in Arkansas?
Home insurance pricing in Arkansas reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in Arkansas?
Compare at least three quotes from insurers active in Arkansas, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.