5 Best Fayetteville Homeowners Insurance Companies (2025)
Farmers, Allstate, and Nationwide are a few of the best home insurance companies in Fayetteville, Arkansas.
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The average cost of home insurance in Fayetteville is $2,807 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data.
Fayetteville homes face minor risks of damage from wind and flooding, as well as a moderate risk of damage from fire. These added risks may affect your home insurance costs.
Here’s what else you need to know about securing good home insurance in Fayetteville.
Quick Facts
Farmers, Allstate, and Nationwide are three of the cheapest home insurance companies in Fayetteville.
Over the next 30 years, 99% of Fayetteville properties face some wildfire risk.[?]
Fayetteville homeowners who select a policy with a $500 deductible and $300,000 in dwelling coverage pay an average of $3,088 per year for home insurance.
Best home insurance companies in Fayetteville
The best home insurance company will vary for each homeowner in Fayetteville, but a few stand out from the rest. The right home insurer for you depends on numerous factors, including your home’s characteristics, your budget, and your coverage needs.
Below, you can look at some of Fayetteville’s top insurers and learn what they have to offer.
Farmers: Best for affordability
Allstate: Best for flexibility
Nationwide: Best for local service
Travelers: Best for flood insurance
USAA: Best for the military community
Our editorial team analyzed regional and national home insurance companies that sell policies in Fayetteville to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Fayetteville?
The average cost of home insurance in Fayetteville is $2,807 per year, or $234 per month, for a policy with $300,000 in dwelling coverage and a $1,000 deductible. For comparison, the statewide average cost of coverage is $3,146 per year, or $262 per month, for the same policy type.
How much you’ll pay for your policy in Fayetteville depends on a variety of factors, including your coverage amount, any policy add-ons, the discounts you qualify for, your credit history, and your home’s size, age, and location.
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Cheapest home insurance companies in Fayetteville
Many home insurance companies offer affordable coverage in Fayetteville. The best and most affordable insurer for you depends on your personal situation and your home’s characteristics, but a few insurers stand out.
Check out the table below to see some of the cheapest home insurance companies in Fayetteville.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Farmers | $996 |
| Foremost | $1,152 |
| Travelers | $1,428 |
| Nationwide | $1,932 |
| USAA | $1,932 |
| Allstate | $2,172 |
| Encompass | $2,376 |
| Shelter | $2,424 |
| State Farm | $2,472 |
| Auto-Owners | $3,324 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $2,148 |
| Travelers | $2,640 |
| Foremost | $2,904 |
| USAA | $3,252 |
| Allstate | $3,768 |
| Encompass | $4,104 |
| Nationwide | $4,104 |
| State Farm | $4,308 |
| Shelter | $4,848 |
| Auto-Owners | $6,540 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $3,012 |
| Travelers | $3,864 |
| USAA | $4,416 |
| Foremost | $4,692 |
| Allstate | $5,292 |
| Encompass | $5,316 |
| State Farm | $5,544 |
| Nationwide | $5,784 |
| Shelter | $6,660 |
| Auto-Owners | $10,044 |
How much homeowners insurance do you need in Fayetteville?
The amount of home insurance you need in Fayetteville depends on a few different factors. Your home’s age, size, and location are a few of the biggest factors, as they directly affect your likelihood of filing a home insurance claim. For example, if you have an older home in an area that’s at a higher risk of flooding, you’ll likely face increased home insurance rates.
Home insurance policies typically include several different coverages, including dwelling, other structures, personal property, liability, and loss of use coverage. Each of these coverages provides a different protection for your home, its contents, and various other situations that can occur on your property.
What to know about home insurance in Fayetteville, AR
When purchasing a home insurance policy in Fayetteville, consider a few key factors. Although the city doesn’t face significant risks from weather events, it has minor wind and flooding risks, as well as a moderate risk of wildfires.
When it comes to flood damage, standard home insurance policies don’t cover it. If your Fayetteville home has flood risks, you may want a separate flood insurance policy. Some private insurers offer them, but many don’t. If you can’t find one on the private market, you’ll need to turn to the NFIP for coverage.[?]
Standard home insurance typically covers wind and wildfire damage, but it’s worth checking with your insurer for specific coverage details. It’s important to understand the fine print of your home insurance policy.
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Average cost of home insurance in other cities in Arkansas
The cost of home insurance varies by state, city, and ZIP code. Average rates in Fayetteville will differ from those in Little Rock and Pine Bluff. Each area and home has its own unique risk factors, such as burglary rates, flood likelihood, and proximity to a fire station.
Below, you can take a look at how home insurance rates vary by city in Arkansas.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Fayetteville | $2,688 |
| Little Rock | $2,748 |
Fayetteville homeowners insurance FAQs
The following information can help answer your remaining questions about finding good home insurance in Fayetteville.
Home insurance in Fayetteville costs an average of $2,807 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. If your home is in an at-risk area for flooding, you may want to buy flood insurance. Keep in mind that adding this coverage will increase your overall home insurance costs.
Farmers has the cheapest homeowners insurance in Fayetteville, with an average annual premium of $1,344 for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
The best home insurance company in Fayetteville looks different for every homeowner, but several stand out. A few of the city’s best insurers include Farmers for affordability, Allstate for coverage flexibility, and Nationwide for local service.
Home insurance for a policy with $500,000 in dwelling coverage and a $1,000 deductible costs $3,844 annually in the U.S., on average. The average annual cost is $4,788 in Arkansas and $4,236 in Fayetteville.
How much you’ll pay to insure a $500,000 home in Fayetteville depends on numerous factors, such as your home’s age, size, location, your coverage needs, and your credit history.
Your credit history can affect your home insurance premium because insurance companies use credit-based insurance scores to determine your likelihood of filing a claim. If you have a history of higher credit, you’ll likely pay lower premiums, while homeowners with bad credit history often pay higher premiums.
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