⚡ Arkansas Insurance Cost Calculator
Quick estimate for Arkansas residents. Get instant results based on your property details.
Arkansas Insurance Overview
| Coverage Type | Average Annual Premium | Notes |
|---|---|---|
| Home Insurance | $1,950 | State average |
| Auto Insurance | $1,700 | State average |
| Flood Insurance (NFIP est.) | $950 | Moderate Risk |
Arkansas Auto Insurance Requirements
The minimum auto insurance liability requirements in Arkansas are:
Flood Risk in Arkansas
Flood risk level: Moderate
While Arkansas has moderate-to-low flood risk, flooding can happen anywhere. Standard homeowners insurance does NOT cover flood damage — a separate flood policy is needed.
Regulatory Authority
The insurance regulator in Arkansas is:
Tornado alley region. Home insurance rates vary significantly by county.
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Arkansas Insurance FAQ
The average cost of home insurance in Arkansas is $1,950 per year ($163/month). Rates vary based on your home's value, location, age, and your credit score. Use our calculator above to get a personalized estimate.
Yes. Arkansas requires all drivers to carry at least 25/50/25 in liability insurance. Driving without insurance can result in fines, license suspension, and vehicle impoundment.
Flood insurance is not mandatory for most homeowners in Arkansas, but it's still recommended. Standard homeowners insurance does NOT cover flood damage, and floods can happen anywhere — not just in high-risk zones.
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