Russellville, AR
Insuring your car and home in Russellville, AR
Commute, vehicle, and housing data for Russellville, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Russellville has about 29,442 residents in Pope County. 76% of its workers drive to work alone and 55% of households own their home, so most families here need both a car policy and a homeowners policy.
Russellville driving profile
| Measure | Russellville | Arkansas |
|---|---|---|
| Drive alone to work | 76% | 79% |
| Carpool | 15% | 9% |
| Work from home | 5% | 9% |
| Commute of 45 minutes or more | 7% | 11% |
| Commute under 15 minutes | 62% | 34% |
| Households with no vehicle | 7% | 6% |
| Households with 3 or more vehicles | 19% | 23% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
About 7% of Russellville commuters travel 45 minutes or more each way (Arkansas: 11%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Only 5% of Russellville workers mostly work from home, below the Arkansas share of 9%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
19% of Russellville households keep three or more vehicles, and 7% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Russellville
The median owner-occupied home in Russellville is valued at $172,400, and half of the city's homes were built before 1985. 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 $150,000–$199,999 of dwelling coverage paying an average of $1,437; 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.
Arkansas auto minimums that apply in Russellville
The state minimum is 25/50/25. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
Should Russellville homeowners bundle?
With 55% of households owning their home, bundling is an option for most Russellville families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Weather and road risks around Russellville
Insurers in Arkansas price for flooding on rural roads and tornadoes and straight-line winds. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
Neighboring cities and Russellville
In Little Rock, 54% own their home and 14% of households have three or more vehicles. Fayetteville shows 15% working from home and a median home value of $349,600. In Fort Smith, 53% own their home and 18% of households have three or more vehicles. For share of 45-minute-plus commutes, Russellville is 10th of 20 Arkansas cities on this site.
Gathering details for a Russellville auto and home quote
- Current declarations pages for auto and home
- VINs from registrations or the dashboard
- Everyone in the household who drives
- Roof age and material
- Recent claims or violations
- Your Russellville address, square footage, and year built
Russellville auto and home insurance FAQ
What auto insurance is required in Russellville?
Arkansas requires liability of 25/50/25; none beyond liability.
How long are commutes in Russellville?
About 7% of Russellville workers commute 45 minutes or more and 62% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Russellville?
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 Russellville
Auto and home insurance in Arkansas
Last updated October 15, 2026 · How we research