Fayetteville Insurance Rates:

Fayetteville, AR home insurance is nearly $983 to $1,338, about $81-$111/month. Our all inclusive research indicates shoppers can save as much as $464 by comparing multiple quotes

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Fayetteville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $980/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Bath 3370 sqft Rental Property Constructed In 2010 with Wood Flooring, Composition Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $990/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Bath 3270 sqft Primary Residence Constructed In 2010 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $3830/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $470,000

5 Beds, 5 Bath 4350 sqft Seasonal Residence Constructed In 1991 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $390/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1110 sqft Seasonal Residence Constructed In 1993 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1570/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 1430 sqft Rental Property Constructed In 2008 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Married Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $720/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Bath 1980 sqft Rental Property Constructed In 1991 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1010/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Baths 1610 sqft Primary Residence Constructed In 1989 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Swimming Pool, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $210/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $445,000

5 Beds, 5 Baths 3670 sqft Rental Property Constructed In 2003 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $610/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Baths 3300 sqft Primary Residence Constructed In 2013 with Linoleum, Metal Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $550/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

5 Beds, 5 Bath 1510 sqft Primary Residence Constructed In 1995 with Carpet Flooring, Metal Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Home Insurance Rate of $220/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 2610 sqft Primary Residence Constructed In 2013 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $570/5 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 1774 sqft Primary Residence Constructed In 1970 with Hardwood Flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

Fayetteville, AR Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
72703 $192,300 $1,200
72704 $162,000 $1,180
72701 $160,900 $1,170

Fayetteville Rates & Quotes Analysis:

Fayetteville Area Estimated House Insurance
Green Acres, Perry Ln, N Shadow Crest Dr, S Maestri Rd, E Goff Farm Rd, Reagan St, Sheffield St, Zared Ave, N Candleshoe Dr, Oleander Ln$1,115
W Kelley St, Tomlinson Rd, Leisure Rd, Co Rd 2174, S Ashwood Ave, Wc Rd 859, Parkway Dr, Redwood St, Amber Ln, Carter Ln$1,156
Shoreline Way E, Sycamore Trl, Country Ln, W Mesa St, Truitt Ln, E Weston Pl, Co Rd 319, N Aspen Dr, Co Rd 265, NW Jeter Rd$1,144
Van Hoose Dr, Kissinger, Morsani Ave, W Player Ln, Co Rd 4029, Greenwich St, Redbird Cir, N Market Ave, W Chicory Pl, Drain Rd$1,152
Wilma Ave, Co Rd 2063, E Hilldale Dr, N 46th Ave, Roxbury Way, Beav O Rama Rd, Sumac Cir, S College Dr, Co Rd 4346, No Hazeltine Dr$1,136
Co Rd 317, Wright Ave, E Snapdragon Ct, Bob Younkia, W Sharp Dr, Dobkins St, Emerson Ln, W Rosemeade Dr, E Kantz Dr, Bowerman Rd$1,284
Durham Rd, Greenridge Rd Wc 4192, Fayetteville Rd, Co Rd 4304, N Kings Cross, N Waneetah Ave, Saddlebrook Ave, Sonora Rd, E Spring Brook Ct, Co Rd 550$1,145
Co Rd 3318, N Misty Ln, Amen Corner, Ranchero Rd, High Rd, W Eagle St, J C Ivy Rd, Van Brunt Rd, Wade Rd Wc 390, Lovers Ln$1,140
N Hawkins Ln, Co Rd 885, Plantation Ave, Woodridge Dr, Crosswinds Dr, Mt Olive Rd, Stoney Point Ln, N Old Wire Rd, Wc Rd 856, Co Rd 4093$1,144
W Lakeridge Dr, Greenfield Ave, Swope Rd, McIlroy Ave, Co Rd 4712, Tally Gate Rd, Casey Ln Wc 160, Co Rd 263, Ash St, N Walnut Ridge Ln$1,147

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,628 Homes (23% of total homes ) built between 1990 to 1999 in Fayetteville are paying home insurance between $1,675-$1,692. Places close to Fayetteville, AR such as Wyman, Tontitown, Litteral are more expensive by $37, $47, $10 respectively while Johnson and Farmington are cheaper by $17 and $19 respectively for similar homes.
  • Bedrooms: 5,119 1 bedroom homes (14% of total homes ) in Fayetteville are paying about $929. Areas near to Fayetteville such as Wyman, Tontitown, Goshen are costlier by $21, $15, $27 respectively whereas Johnson and Farmington are more economical by $9, $10 respectively for similar homes.
  • Auto Insurance Bundling: 6,557 Households (49% of all households) in Fayetteville have 2 vehicles available and when it is bundled with home insurance you can save $232. Discounts for similar bundling in close by locations such as Johnson, Farmington, Greenland come to $229, $229, $225 respectively.
  • Senior Discounts: 5,458 seniors (more than 55 years) occupied housing units (41% of total) in Fayetteville get discounts between $173 to $176. The comparative concessions in proximate regions such as Johnson, Greenland and Wyman are $172, $169 and $178 respectively.
  • New Homes discounts: New homes such as the 20,303 homes built between 2000 to 2009 in Fayetteville can save $232 and similar new home insurance discounts in nearby towns and cities like Johnson, Farmington and Greenland are $229, $229 and $225 respectively.

Fayetteville Homeowners insurance Facts

  • Fayetteville, AR has 13,248 owner occupied houses which is 42.1% of all units whereas Johnson, Farmington and Greenland have 51.81%, 67.0% and 73.12% respectively.
  • Fayetteville, AR homeowners yearly insurance price at $1,161 is 0.66% of the typical house value of $175,900 which is in contrast with 0.71% in Johnson, 0.72% at Farmington & 0.84% in Greenland.
  • Homeowners in Fayetteville, AR pay 2.02% of their income ($45,000 to $49,999) in insurance whereas homeowners in Johnson, Farmington and Greenland pay 2.0%, 2.0% and 1.96% respectively.
  • Fayetteville, AR’s insurance is 7.2% of monthly housing costs of $1,348/month, for owners with a mortgage compared to 7.08% in Johnson, 6.81% at Farmington & 8.25% in Greenland. But, for households without a mortgage, insurance is 26.2% of costs ($369 in Fayetteville, AR) in contrast with 25.6% in Johnson, 27.1% at Farmington & 27.22% in Greenland.

Fayetteville, AR Home Values & Insurance rates

For example, insurance for 162 Homes (1.0% of total homes ) valued between $70,000 to $79,999 in Fayetteville, AR is about $487. Rates in nearby areas in such as Wyman, Tontitown, Litteral are cheaper by $60, $82, $20 respectively while Greenland and Wheeler are costlier by $132 and $71 respectively for similar homes.

Fayetteville, AR Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 551 4.0% $162
$70,000 to $79,999 162 1.0% $487
$80,000 to $89,999 378 3.0% $557
$90,000 to $99,999 357 2.0% $626
$100,000 to $124,999 1,654 13.0% $719
$125,000 to $149,999 1,690 13.0% $905
$150,000 to $174,999 1,587 12.0% $1068
$175,000 to $199,999 1,336 10.0% $1230
$200,000 to $249,999 1,820 14.0% $1486
$250,000 to $299,999 1,372 11.0% $1811
$300,000 to $399,999 1,159 9.0% $2298

Renters Insurance in Fayetteville

  • Average Renters Insurance in Fayetteville :  $174($14/month)

  • Median Gross Rent in Fayetteville :  $672

  • Fayetteville Renters Insurance to Median Rent Ratio:  2.08%

  • Renter occupied housing units in Fayetteville :  18,196

Fayetteville Renters Insurance as a Percentage of Rent

Fayetteville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 280 1.0% $343
$200 to $299 366 2.0% $793
$300 to $499 2,825 15.0% $1243
$500 to $749 7,728 43.0% $1918
$750 to $999 3,706 20.0% $2668
$1,000 to $1,499 2,398 13.0% $3793
$1,500 or more 411 2.0% $5443

Rent Affordability in Fayetteville:

Approximately 49.0% (9,019) of households are spending more than 35% of their income on gross rent in Fayetteville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,115 11.0%
15.0 to 19.9 percent 2,065 11.0%
20.0 to 24.9 percent 1,923 10.0%
25.0 to 29.9 percent 1,812 9.0%
30.0 to 34.9 percent 1,262 6.0%
35.0 percent or more 9,019 49.0%

Fayetteville Renters Insurance Discounts:

Fayetteville Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Fayetteville, AR Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 9,165 50.0% $17.4
2 vehicles available 5,468 30.0% $26.1
3 or more vehicles available 1,559 8.0% $34.8

Fayetteville Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 797 4.0% $67
60 to 64 years 654 3.0% $53
65 to 74 years 563 3.0% $43
75 years and over 678 3.0% $33

Protective device discount in Fayetteville Up to :  $26

Claims-free discount in Fayetteville Up to :  $34