5 Best Little Rock Homeowners Insurance Companies (2025)
Allstate and Nationwide are a couple of the best home insurance companies in Little Rock, Arkansas.
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Although properties in Little Rock, Arkansas, tend to be relatively inexpensive, homeowners insurance is a different story. Due to the threat of tornadoes and flooding, as well as a high crime rate, Little Rock homeowners pay an average of $2,748 per year for a policy with $300,000 of dwelling coverage and a $1,000 deductible. This is lower than the statewide average of $3,012 per year for the same coverage.
The cost of your homeowners insurance policy will depend on your property value, ZIP code, home age, and whether you opt for additional coverage. Here’s what you need to know about homeowners insurance in Little Rock.
Quick Facts
Home insurance in Little Rock is higher than the nationwide average of $2,532 per year.
Little Rock is prone to tornadoes. An EF3 tornado struck the city in 2023, causing about $345 million in property damage.
Travelers, Foremost, and USAA are among the cheapest insurance companies in Little Rock.
Best home insurance companies in Little Rock
Although some insurers have left Arkansas, homeowners in Little Rock have several options. The right company for you will depend on your budget and your property, but we’ve identified some of the best homeowners insurance companies that offer policies to Little Rock residents.
Nationwide: Best for policy customization
Allstate: Best for manufactured homes
USAA: Best for veterans and service members
Foremost: Best for affordable coverage
Travelers: Best for green homes
Our editorial team analyzed regional and national home insurance companies that sell policies in Little Rock 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 Little Rock?
On average, Little Rock homeowners pay $229 per month for homeowners insurance, assuming a policy with $300,000 in dwelling coverage and a $1,000 deductible. This is higher than the statewide average of $251 per month for the same coverage.
Several factors affect your home insurance rates:
Home value: In Little Rock, the average home is valued at about $214,000, according to Zillow data.[?] If your home has a higher valuation, coverage will likely be more expensive, since it’d be more expensive to repair or replace your property.
Deductible: Your deductible, or how much you have to pay before your insurer helps with the cost of repairing or replacing your property, affects your premiums. The higher your deductible, the more of the up-front risk you take on, so insurers will charge you a lower premium.
Discounts: Some homeowners can reduce their premiums by taking advantage of insurance discounts. Discounts vary by insurer, but Little Rock homeowners may be eligible for wind-mitigation or storm-resistant roof discounts.
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Cheapest home insurance companies in Little Rock
The cost of homeowners insurance in Little Rock varies by company. The table below highlights some of the cheapest home insurance companies in the city:
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Farmers | $1,140 |
| Travelers | $1,368 |
| Foremost | $1,500 |
| USAA | $1,860 |
| Allstate | $1,884 |
| Nationwide | $1,896 |
| State Farm | $2,196 |
| Encompass | $2,484 |
| Shelter | $2,496 |
| Auto-Owners | $3,396 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $2,556 |
| Travelers | $2,748 |
| USAA | $3,024 |
| Allstate | $3,204 |
| Foremost | $3,780 |
| State Farm | $3,816 |
| Nationwide | $3,996 |
| Encompass | $4,320 |
| Shelter | $5,004 |
| Auto-Owners | $6,696 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $3,624 |
| USAA | $4,092 |
| Travelers | $4,104 |
| Allstate | $4,416 |
| State Farm | $4,920 |
| Encompass | $5,628 |
| Nationwide | $5,640 |
| Foremost | $6,120 |
| Shelter | $6,876 |
| Auto-Owners | $10,476 |
How much homeowners insurance do you need in Little Rock?
A homeowners insurance policy has several different components:[?]
Most coverages are based on your dwelling insurance: For instance, your personal property coverage is typically a percentage of your dwelling coverage. If you have $200,000 in dwelling coverage, your policy may provide up to 50% of that limit for personal belongings. If you have higher-end items or collectibles, you may need a higher coverage limit or a separate endorsement.
If you live in an area prone to flooding or water backup, you may need separate policies to provide additional protection, as standard insurance policies exclude those perils.
What to know about home insurance in Little Rock, AR
If you’re a homeowner in Little Rock, several factors affect the housing market and home insurance costs:
Fewer insurance options: Due to the high number of tornadoes and floods, several insurance companies have withdrawn from the state.
Additional insurance needs: Arkansas is prone to several natural disasters, including tornadoes, floods, and hailstorms. As a result, you may need separate forms of coverage to protect your home. You can purchase flood insurance or water backup coverage through a private insurer or the NFIP.
Higher crime rates: Little Rock has a higher rate of property crime than most of the state. But several insurance companies offer extra discounts for taking steps to protect your home, such as installing security systems and deadbolts.
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Average cost of home insurance in other cities in Arkansas
When it comes to homeowners insurance costs, where you live plays a significant role. Your state and even your ZIP code can affect your rates, since some areas are more prone to natural disasters or crime.
The table below shows the average annual premiums for homeowners insurance policies with $300,000 in dwelling coverage in different Arkansas cities.
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 |
Little Rock homeowners insurance FAQs
The following information can help answer any remaining questions you have about insuring a home in Little Rock.
In Little Rock, homeowners insurance averages $229 per month for a policy with $300,000 in dwelling coverage and a $1,000 deductible. If you need additional coverage, such as flood insurance, you’ll pay a higher overall rate.
The cheapest insurance company for homeowners insurance in Little Rock is Farmers, with an average monthly premium of $131.
No one company is best for every homeowner in Little Rock. But insurers like Foremost, Nationwide, and USAA offer competitive rates and strong service.
The 80% rule is a guideline that recommends insuring your property for at least 80% of its total replacement cost. For instance, if your home is valued at $200,000, you’d need a policy that provides at least $160,000 of coverage. If your home’s value changes over time, you may need to adjust your coverage.
In Arkansas, the average cost of a homeowners insurance policy for a home with $400,000 in dwelling coverage is $3,864 per year. This is significantly higher than the national annual average of $3,216.
Insurance companies in Arkansas can use your credit-based insurance score to help determine your premiums. In general, the better your credit history, the better rates you’ll qualify for on a homeowners policy.
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