Average insurance rates across 49 cities in Arkansas
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Fayetteville | 394,650 | $2,193 | $1,591 | $529/mo | $16/mo |
| Little Rock | 202,591 | $2,193 | $1,591 | $529/mo | $16/mo |
| Fort Smith | 126,452 | $2,193 | $1,591 | $529/mo | $16/mo |
| Springdale | 86,705 | $2,193 | $1,591 | $529/mo | $16/mo |
| Jonesboro | 78,379 | $2,193 | $1,591 | $529/mo | $16/mo |
| Rogers | 69,961 | $2,193 | $1,591 | $529/mo | $16/mo |
| Conway | 69,651 | $2,193 | $1,591 | $529/mo | $16/mo |
| North Little Rock | 64,454 | $2,193 | $1,591 | $529/mo | $16/mo |
| Bentonville | 54,513 | $2,193 | $1,591 | $529/mo | $16/mo |
| Pine Bluff | 41,172 | $2,193 | $1,591 | $529/mo | $16/mo |
| Hot Springs | 38,025 | $2,193 | $1,591 | $529/mo | $16/mo |
| Benton | 35,318 | $2,193 | $1,591 | $529/mo | $16/mo |
| Sherwood | 32,715 | $2,193 | $1,591 | $529/mo | $16/mo |
| Bella Vista | 30,297 | $2,193 | $1,591 | $529/mo | $16/mo |
| Paragould | 29,690 | $2,193 | $1,591 | $529/mo | $16/mo |
Arkansas residents pay an average of $2,550 per year for home insurance and $1,850 for auto insurance. Arkansas follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in Arkansas averages $540 per month for an individual Silver marketplace plan. The weather risk level is high, with tornado activity affecting premiums. Top insurance providers in Arkansas include State Farm, Shelter Insurance, Allstate.
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Policygenius The ZebraThe average home insurance cost in Arkansas is $2,550 per year. Rates range from $1,600 to $3,500 depending on home value, location, and coverage level.
Auto insurance in Arkansas averages $1,850 per year for full coverage. The state minimum coverage is 25/50/25.
Yes, Arkansas has above-average insurance costs, with home insurance at $2,550/yr and auto at $1,850/yr compared to national averages of $2,300 and $1,800 respectively.
Arkansas requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.