Renters Insurance Cost in Arkansas (2026 Average)
Arkansas renters paid about $151 a year on average in the NAIC 2021 baseline, about $19 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Arkansas renters insurance costs
Arkansas renters paid about $151 a year on average in the NAIC 2021 baseline, about $19 less than the $170 US average.
Weather exposure is a major driver here: tornado and severe-storm exposure runs across much of the state.
Claim frequency and litigation also matter: claims are mostly weather-driven, with litigation less of a factor.
Replacement costs and carrier competition round out the picture: replacement costs are modest, and plenty of national insurers compete, keeping quotes near the national average.
How Arkansas compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Arkansas | $151 | −$19 |
| United States (national average) | $170 | baseline |
| Texas | $250 | +$80 |
| Oklahoma | $163 | −$7 |
| Missouri | $155 | −$15 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.