Arkansas Homeowners Pay Some of the Lowest Insurance Costs In The Country

"Homeowners in Arkansas continue to pay some of the lowest premiums in the nation, even as insurance costs climb across much of the U.S. Data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report show that while states along the Gulf and Atlantic coasts are experiencing skyrocketing bills, Arkansas households still benefit from relative affordability."

"According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Arkansas homeowners with a mortgage typically pay $1,500-$1,999 annually for homeowner's insurance, while those without a mortgage average $1,000-$1,499. Overall, the state's costs fall in the $1,000-$1,499 range."

"Arkansas has 836,697 insured homeowner households in total-438,657 with a mortgage and 398,124 without. Among mortgaged owners, 47,175 pay less than $100 annually and 19,890 pay $4,000 or more. Among those without a mortgage, 112,628 pay less than $100 and 15,843 pay $4,000 or more."

Arkansas homeowners pay some of the lowest homeowner's insurance premiums in the nation while insurance costs rise elsewhere. U.S. Census Bureau ACS data show homeowners with a mortgage typically pay $1,500–$1,999 annually, and those without a mortgage average $1,000–$1,499; overall costs fall in the $1,000–$1,499 range. Arkansas has 836,697 insured homeowner households, including 438,657 with a mortgage and 398,124 without. Among mortgaged owners, 47,175 pay less than $100 annually and 19,890 pay $4,000 or more. Among owners without a mortgage, 112,628 pay less than $100 and 15,843 pay $4,000 or more.

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