Arkansas

Auto and home insurance in Arkansas

State auto minimums, homeowners premium averages, and city guides for Arkansas households. A quote is not a binder.

66% of Arkansas households own their home, the median owner-occupied home is valued at $188,000, and 79% of workers drive to work alone (ACS 2020–2024). That makes auto and homeowners coverage the two policies most Arkansas families need. Below: the state's auto minimums, average homeowners premiums, local risks, and city guides.

Arkansas auto insurance requirements

Arkansas requires liability limits of at least 25/50/25 ($ thousands of bodily injury per person / per accident / property damage). Other required coverage: none beyond liability. Most homeowners carry well above the minimum. Compare all ten states in our state minimums guide.

Source: NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance.

Average homeowners premiums in Arkansas

The NAIC's 2023 average HO-3 premium in Arkansas was $1,870, versus $1,737 countrywide. Averages climb with the amount of dwelling coverage.

Dwelling coverage amount	Arkansas average HO-3 premium (2023)	Countrywide average
Under $150,000	$1,116	$954
$150,000–$199,999	$1,437	$1,192
$200,000–$224,999	$1,561	$1,282
$225,000–$249,999	$1,644	$1,297
$250,000–$274,999	$1,741	$1,350
$275,000–$299,999	$1,817	$1,414
$300,000–$324,999	$1,896	$1,475
$325,000–$349,999	$1,995	$1,492
$350,000–$399,999	$2,099	$1,598
$400,000–$449,999	$2,267	$1,679
$450,000–$499,999	$2,425	$1,825
$500,000–$599,999	$2,662	$1,973
$600,000–$699,999	$2,968	$2,249
$700,000–$999,999	$3,964	$2,916
$1,000,000 and over	$6,560	$4,314
All amounts (state average)	$1,870	$1,737

Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.

Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4. Report (PDF).

How Arkansas drives

Statewide, 79% of workers drive alone, 9% carpool, and 9% work from home. 11% commute 45 minutes or more, and 23% of households have three or more vehicles. Mileage, garaging location, and the number of drivers and cars all feed into auto pricing.

What moves a Arkansas auto and home quote

Driving records and the number of drivers and vehicles.
Mileage and garaging, including commute length.
Rebuild cost and the age of the roof and home systems.
Local losses, especially tornadoes and straight-line winds and spring hail.
Deductibles and limits on both policies.
Claims history and other rating factors allowed in Arkansas.
Discounts such as multi-policy, multi-car, and protective devices.

City guides for Arkansas

Guides

More Arkansas communities

We accept quote requests from anywhere in Arkansas. Other cities and towns, listed by county:

Arkansas County — Almyra; DeWitt; Gillett; Humphrey; St. Charles; Stuttgart
Ashley County — Crossett; Fountain Hill; Hamburg; Montrose; Parkdale; Portland; Wilmot
Baxter County — Big Flat; Briarcliff; Cotter; Gassville; Lakeview; Mountain Home; Norfork; Salesville
Benton County — Avoca; Cave Springs; Decatur; Garfield; Gateway; Gentry; Gravette; Highfill; Little Flock; Lowell; Pea Ridge; Siloam Springs; Springtown; Sulphur Springs
Boone County — Alpena; Bellefonte; Bergman; Diamond City; Everton; Harrison; Lead Hill; Omaha; South Lead Hill; Valley Springs; Zinc
Bradley County — Banks; Hermitage; Warren
Calhoun County — Hampton; Harrell; Thornton; Tinsman
Carroll County — Beaver; Berryville; Blue Eye; Eureka Springs; Green Forest; Holiday Island; Oak Grove
Chicot County — Dermott; Eudora; Lake Village
Clark County — Amity; Arkadelphia; Caddo Valley; Gum Springs; Gurdon; Okolona; Whelen Springs
Clay County — Corning; Datto; Greenway; Knobel; McDougal; Nimmons; Peach Orchard; Piggott; Pollard; Rector; St. Francis; Success
Cleburne County — Concord; Greers Ferry; Heber Springs; Higden; Quitman
Cleveland County — Kingsland; Rison
Columbia County — Emerson; Magnolia; McNeil; Taylor; Waldo
Conway County — Menifee; Morrilton; Oppelo; Plumerville
Craighead County — Bay; Black Oak; Bono; Brookland; Caraway; Cash; Egypt; Lake City; Monette
Crawford County — Alma; Cedarville; Chester; Dyer; Kibler; Mountainburg; Mulberry; Rudy; Van Buren
Crittenden County — Anthonyville; Clarkedale; Crawfordsville; Earle; Edmondson; Gilmore; Horseshoe Lake; Jennette; Jericho; Marion; Sunset; Turrell; West Memphis
Cross County — Cherry Valley; Hickory Ridge; Parkin; Wynne
Dallas County — Carthage; Fordyce; Sparkman
Desha County — Arkansas City; Dumas; McGehee; Mitchellville; Reed; Watson
Drew County — Monticello; Tillar; Wilmar; Winchester
Faulkner County — Enola; Greenbrier; Guy; Holland; Mayflower; Mount Vernon; Twin Groves; Vilonia; Wooster
Franklin County — Altus; Branch; Charleston; Denning; Ozark; Wiederkehr Village
Fulton County — Mammoth Spring; Salem; Viola
Garland County — Fountain Lake; Lonsdale; Mountain Pine
Grant County — Leola; Poyen; Prattsville; Sheridan; Tull
Greene County — Delaplaine; Lafe; Marmaduke; Oak Grove Heights
Hempstead County — Blevins; Fulton; Hope; McCaskill; McNab; Oakhaven; Ozan; Patmos; Perrytown; Washington
Hot Spring County — Donaldson; Friendship; Malvern; Midway; Perla; Rockport
Howard County — Dierks; Mineral Springs; Nashville; Tollette
Independence County — Batesville; Cushman; Magness; Moorefield; Newark; Oil Trough; Pleasant Plains; Southside; Sulphur Rock
Izard County — Calico Rock; Franklin; Guion; Horseshoe Bend; Melbourne; Mount Pleasant; Oxford; Pineville
Jackson County — Amagon; Beedeville; Campbell Station; Diaz; Grubbs; Jacksonport; Newport; Swifton; Tuckerman; Tupelo; Weldon
Jefferson County — Altheimer; Redfield; Sherrill; Wabbaseka; White Hall
Johnson County — Clarksville; Coal Hill; Hartman; Knoxville; Lamar
Lafayette County — Bradley; Buckner; Lewisville; Stamps
Lawrence County — Alicia; Black Rock; Hoxie; Imboden; Lynn; Minturn; Portia; Powhatan; Ravenden; Sedgwick; Smithville; Strawberry; Walnut Ridge
Lee County — Aubrey; Haynes; LaGrange; Marianna; Moro; Rondo
Lincoln County — Gould; Grady; Star City
Little River County — Ashdown; Foreman; Ogden; Wilton; Winthrop
Logan County — Blue Mountain; Booneville; Caulksville; Magazine; Morrison Bluff; Paris; Ratcliff; Scranton; Subiaco
Lonoke County — Allport; Austin; Carlisle; Coy; England; Humnoke; Keo; Lonoke; Ward
Madison County — Hindsville; Huntsville; St. Paul
Marion County — Bull Shoals; Flippin; Pyatt; Summit; Yellville
Miller County — Fouke; Garland
Mississippi County — Bassett; Birdsong; Blytheville; Burdette; Dell; Dyess; Etowah; Gosnell; Joiner; Keiser; Leachville; Luxora; Manila; Marie; Osceola; Victoria; Wilson
Monroe County — Brinkley; Clarendon; Fargo; Holly Grove; Roe
Montgomery County — Black Springs; Mount Ida; Norman; Oden
Nevada County — Bluff City; Bodcaw; Cale; Emmet; Prescott; Rosston; Willisville
Newton County — Jasper; Western Grove
Ouachita County — Bearden; Camden; Chidester; East Camden; Louann; Stephens
Perry County — Adona; Bigelow; Casa; Fourche; Houston; Perry; Perryville
Phillips County — Elaine; Helena-West Helena; Lake View; Lexa; Marvell
Pike County — Antoine; Daisy; Delight; Glenwood; Murfreesboro
Poinsett County — Fisher; Harrisburg; Lepanto; Marked Tree; Trumann; Tyronza; Waldenburg; Weiner
Polk County — Cove; Grannis; Hatfield; Mena; Vandervoort; Wickes
Pope County — Atkins; Dover; Hector; London; Pottsville
Prairie County — De Valls Bluff; Des Arc; Fredonia; Hazen; Ulm
Pulaski County — Cammack Village; Maumelle; Wrightsville
Randolph County — Biggers; Maynard; O'Kean; Pocahontas; Ravenden Springs; Reyno
Saline County — Alexander; Bauxite; Bryant; Haskell; Shannon Hills; Traskwood
Scott County — Waldron
Searcy County — Gilbert; Leslie; Marshall; Pindall; St. Joe
Sebastian County — Barling; Bonanza; Central City; Greenwood; Hackett; Hartford; Huntington; Lavaca; Mansfield; Midland
Sevier County — Ben Lomond; De Queen; Gillham; Horatio; Lockesburg
Sharp County — Ash Flat; Cave City; Cherokee Village; Evening Shade; Hardy; Highland; Sidney; Williford
St. Francis County — Caldwell; Colt; Forrest City; Hughes; Madison; Palestine; Wheatley; Widener
Stone County — Fifty-Six; Mountain View
Union County — Calion; El Dorado; Felsenthal; Huttig; Junction City; Norphlet; Smackover; Strong
Van Buren County — Clinton; Damascus; Fairfield Bay; Shirley
Washington County — Elkins; Elm Springs; Farmington; Goshen; Greenland; Johnson; Lincoln; Prairie Grove; Tontitown; West Fork; Winslow
White County — Bald Knob; Beebe; Bradford; Garner; Georgetown; Griffithville; Higginson; Judsonia; Kensett; Letona; McRae; Pangburn; Rose Bud; Russell; Searcy; West Point
Woodruff County — Augusta; Cotton Plant; Hunter; McCrory; Patterson
Yell County — Belleville; Corinth; Danville; Dardanelle; Havana; Ola; Plainview

Auto and home insurance in Arkansas: FAQ

What is the minimum car insurance in Arkansas?

Liability of 25/50/25. Other required coverage: none beyond liability.

What is the average homeowners premium in Arkansas?

The NAIC reported a 2023 Arkansas HO-3 average of $1,870, 2nd highest of the ten states we cover; the countrywide average was $1,737.

Can I bundle auto and home in Arkansas?

Yes, most insurers that write both offer a multi-policy discount. Compare the bundle with separate quotes.

Who regulates insurance in Arkansas?

The Arkansas Insurance Department licenses insurers, handles complaints, and publishes consumer guides.

Sources

NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance
NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4
U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter
U.S. Census Bureau Vintage 2024 city population estimates
Arkansas Insurance Department

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Last updated October 15, 2026 · How we research