Little Rock Insurance Rates:

Little Rock, AR home insurance is roughly $968 to $1,312, about $80-$109/month. Our detailed analysis reveals consumers can save as much as $456 by getting different quotes

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Little Rock Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $800/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 2120 sqft Vacation Property Constructed In 1972 with Carpet Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Fireplace, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $530/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $435,000

5 Beds, 5 Baths 4780 sqft Seasonal Residence Constructed In 1976 with Linoleum, Tile Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $3910/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $430,000

5 Beds, 5 Baths 4160 sqft Rental Property Constructed In 2010 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Smoke Alarm, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $960/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 1530 sqft Vacation Property Constructed In 1994 with Hardwood Flooring, Composition Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $1020/8 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 992 sqft Rental Property Constructed In 1957 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

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Little Rock Rates & Quotes Analysis:

Little Rock Area Estimated House Insurance
Lambert Rd, Curtis Cove, Roxbury Dr, Bryn Mawr Dr, Grimmett Ln, Hines, Sheffield Dr, Glouchester Dr, Dellwood Cir, Warner Ln$1,075
Atwood Rd, Bienville Ct, Shady Oak Ln, Godwin Dr, Odonnell Ct, Foxcroft Rd, Johnnycake Ln, New Horizon Ln, S McKinley St, College St$1,267
Vinewood Ln, Torey Pine Ct, Cunningham Lake Rd, Tedburn Cir, London Cir, Dee Dee Cir, Madison St, Unity Ln, Hinkson Rd, Labette Dr$1,071
Pecan Lake Rd, Centerwood Rd, Two Towers Rd, Sezanne Cv, Bennie Barnes Rd, N Taylor St, N Grant St, Burnside Dr, Westward Rd, Westbury Dr$1,307
Iris St, Stonecreek Ct, Timberland Dr, Don Dr, Normandy Dr, Beckenham Cove, Co Rd 32, Arbor Cove, Alvin Ct, Woodside Ln$1,151
Deer Park Dr, Perennial Dr, Hartford St, Gelan Ct, Pleasant Forest Dr, Summit Ridge Dr, Heinke Rd, S Barton St, Partridge Ct, Potter St$1,298
N Summit St, Godiva Ln, Longfellow Pl, Cochrane St, S Wilson Rd, Covenant Dr, Colony Rd, Longwood Rd, Pinehurst Cir, Co Rd 73$1,095
Woodstock Ct, W 60th St, Hillwood Rd, Freeway Dr, Suffolk Dr, Cherokee Cir, Shiloh Dr, Woodlane Dr, Preston Dr, Ben Crenshaw Cv$1,088
Dee Ct, Wagon Cir, E Mellwood Rd, Witness Oak Way, Goldleaf Dr, Hosie Ln, Brookview Cir, Old Forge Dr, Saint George Ct, Brownwood Rd$1,145
Carriage Creek Dr, Iowa Dr, Toombs Rd, Pinewood Loop, Saint Charles Ct, Claiborne Cir, Helm St, Hickorynut Ct, Co Rd 31, Bishop St$1,083

Insurance rates are influenced by a number of factors including:

  • Year Built: 15,963 Homes (17% of total) built between 1980 to 1989 in Little Rock are paying home insurance between $1,702-$1,719 compared to Cammack Village (+$38), Owen (+$11), Maumelle (+$77), Pulaski County (-$13) and College Station (-$117).
  • Bedrooms: 35,918 3 bedrooms homes (39% of total homes ) in Little Rock are paying about $1,197. Areas near to Little Rock such as Cammack Village, Maumelle, Natural Steps are costlier by $27, $42, $100 respectively whereas Big Rock and Pulaski County are more economical by $15, $9 respectively for similar homes.
  • Auto Insurance Bundling: 20,176 Households (44% of all households) in Little Rock have 2 vehicles available and when it is bundled with home insurance you can save $228. Discounts for similar bundling in close by locations such as Big Rock, Cammack Village, Pulaski County come to $227, $233, $226 respectively.
  • Senior Discounts: 21,867 seniors (more than 55 years) occupied housing units (47% of total) in Little Rock get discounts between $170 to $173 compared to Big Rock ($170), Cammack Village ($174), Pulaski County ($169).
  • New Homes discounts: New homes such as the 31,499 homes built between 2000 to 2009 in Little Rock can save $228 and similar new home insurance discounts in nearby towns and cities like Big Rock, Cammack Village and Pulaski County are $227, $233 and $226 respectively.

Little Rock Homeowners insurance Facts

  • Little Rock, AR has 45,699 owner occupied houses which is 57.0% of all units whereas Big Rock, Cammack Village and Pulaski County have 59.18%, 70.67% and 60.27% respectively.
  • Little Rock, AR homeowners yearly insurance price at $1,140 is 0.76% of the typical house value of $150,800 which is in contrast with 0.77% in Big Rock, 0.64% at Cammack Village & 0.81% in Pulaski County.
  • Homeowners in Little Rock, AR pay 1.52% of their income ($75,000 or more) in insurance whereas homeowners in Big Rock, Cammack Village and Pulaski County pay 1.52%, 1.55% and 1.51% respectively.
  • Little Rock, AR’s insurance is 7.4% of monthly housing costs of $1,281/month, for owners with a mortgage compared to 7.51% in Big Rock, 7.25% at Cammack Village & 7.66% in Pulaski County. But, for households without a mortgage, insurance is 21.9% of costs ($434 in Little Rock, AR) in contrast with 22.83% in Big Rock, 22.23% at Cammack Village & 24.06% in Pulaski County.

Little Rock, AR Home Values & Insurance rates

For example, insurance for 2,726 Homes (6.0% of total homes ) valued between $80,000 to $89,999 in Little Rock, AR is about $638. Rates in nearby areas in such as Owen, Maumelle, Beaver are cheaper by $42, $174, $10 respectively while Big Rock and Pulaski County are costlier by $10 and $41 respectively for similar homes.

Little Rock, AR Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,695 9.0% $182
$50,000 to $59,999 1,818 4.0% $387
$60,000 to $69,999 1,866 4.0% $490
$70,000 to $79,999 2,266 5.0% $558
$80,000 to $89,999 2,726 6.0% $638
$90,000 to $99,999 1,878 4.0% $706
$100,000 to $124,999 4,178 10.0% $820
$125,000 to $149,999 4,272 10.0% $1037
$150,000 to $174,999 4,897 11.0% $1219
$175,000 to $199,999 3,187 7.0% $1413
$200,000 to $249,999 3,784 9.0% $1698
$250,000 to $299,999 2,769 6.0% $2074
$300,000 to $399,999 3,715 9.0% $2644

Renters Insurance in Little Rock

  • Average Renters Insurance in Little Rock :  $217($18/month)

  • Median Gross Rent in Little Rock :  $762

  • Little Rock Renters Insurance to Median Rent Ratio:  2.36%

  • Renter occupied housing units in Little Rock :  34,486

Little Rock Renters Insurance as a Percentage of Rent

Little Rock Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 553 1.0% $354
$200 to $299 907 2.0% $804
$300 to $499 2,956 8.0% $1254
$500 to $749 11,668 35.0% $1929
$750 to $999 10,462 31.0% $2679
$1,000 to $1,499 5,521 16.0% $3804
$1,500 or more 1,257 3.0% $5454

Rent Affordability in Little Rock:

Approximately 47.0% (16,234) of households are spending more than 35% of their income on gross rent in Little Rock

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 4,107 11.0%
15.0 to 19.9 percent 3,428 9.0%
20.0 to 24.9 percent 4,180 12.0%
25.0 to 29.9 percent 3,602 10.0%
30.0 to 34.9 percent 2,935 8.0%
35.0 percent or more 16,234 47.0%

Little Rock Renters Insurance Discounts:

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

Number of Vehicles in Little Rock, AR Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 20,363 59.0% $21.7
2 vehicles available 7,444 21.0% $32.55
3 or more vehicles available 1,533 4.0% $43.4

Little Rock Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 2,316 6.0% $76
60 to 64 years 1,559 4.0% $60
65 to 74 years 1,433 4.0% $49
75 years and over 1,662 4.0% $38

Protective device discount in Little Rock Up to :  $32

Claims-free discount in Little Rock Up to :  $43

Little Rock, AR Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
72204 $86,200 $1,090
72206 $85,700 $1,090
72209 $77,100 $1,090
72223 $330,600 $1,340
72201 $310,400 $1,280
72212 $258,100 $1,250
72207 $248,500 $1,230
72227 $182,700 $1,180
72211 $176,000 $1,160
72210 $162,400 $1,160
72205 $156,200 $1,150
72202 $122,800 $1,120