Centerton, AR
Auto and home insurance in Centerton, Arkansas
How Centerton households can compare car and home coverage, with local Census data. A quote is not a binder.
Two numbers frame insurance in Centerton: 66% of households are homeowners, and 72% of commuters drive alone. With a population near 25,745, that adds up to a lot of households insuring a house and at least one vehicle.
How Centerton gets around
| Measure | Centerton | Arkansas |
|---|---|---|
| Drive alone to work | 72% | 79% |
| Carpool | 8% | 9% |
| Work from home | 17% | 9% |
| Commute of 45 minutes or more | 9% | 11% |
| Commute under 15 minutes | 17% | 34% |
| Households with no vehicle | 2% | 6% |
| Households with 3 or more vehicles | 20% | 23% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Centerton commutes are shorter than the Arkansas norm, with 9% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
With 17% of Centerton workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
Vehicle counts vary: 20% of households in Centerton have at least three vehicles (Arkansas: 23%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Home values and housing age in Centerton
The median owner-occupied home in Centerton is valued at $338,500, and half of the city's homes were built before 2009. The Arkansas median value is $188,000. Your dwelling limit should match rebuild cost, which can differ from market value.
NAIC data for 2023 show Arkansas HO-3 policyholders with $325,000–$349,999 of dwelling coverage paying an average of $1,995; the all-amounts state average was $1,870.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Centerton
Drivers in Centerton must carry Arkansas's minimum of 25/50/25 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Should Centerton homeowners bundle?
Most Centerton homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Local risks for Centerton cars and homes
Insurers in Arkansas price for tornadoes and straight-line winds and spring hail. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
Centerton compared with nearby cities
Rogers: 77% drive alone, 4% commute 45+ minutes, median home $308,200. Bentonville: 69% drive alone, 4% commute 45+ minutes, median home $428,500. Bella Vista shows 21% working from home and a median home value of $296,700. Centerton ranks 7th for long commutes among the 20 Arkansas cities we profile.
What to have ready for a Centerton quote
- Current declarations pages for auto and home
- Drivers' names and dates of birth
- VINs from registrations or the dashboard
- Mortgage company for the home
- Target limits and deductibles
- Commute distance and typical yearly miles
Centerton auto and home insurance FAQ
What are the minimum car insurance limits for Centerton drivers?
Arkansas requires liability of 25/50/25; none beyond liability.
How long are commutes in Centerton?
About 9% of Centerton workers commute 45 minutes or more and 17% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Centerton?
There is no single price. As context, Arkansas HO-3 policies averaged $1,870 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Centerton
Auto and home insurance in Arkansas
Last updated October 15, 2026 · How we research