Housing
Arkansas vs California: Home Insurance Cost
California has cheaper average home insurance than Arkansas by $3,697.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for home insurance cost.
Arkansas
#44 · $5,045/yr
California
#8 · $1,348/yr
Best
Worst
10 Best States — Home Insurance Cost
Lower is better
#1
Hawaii
$601/yr
Hawaii
#2
Delaware
$976/yr
Delaware
#3
Vermont
$1,054/yr
Vermont
#4
Oregon
$1,083/yr
Oregon
#5
New Hampshire
$1,152/yr
New Hampshire
#6
Nevada
$1,212/yr
Nevada
#7
Alaska
$1,323/yr
Alaska
#8
California
$1,348/yr
California
#9
Wisconsin
$1,388/yr
Wisconsin
#10
Maine
$1,424/yr
Maine
Selected states
#44
Arkansas
$5,045/yr
Arkansas
Arkansas ranks 44th and California ranks 8th nationally for home insurance cost.
What this means
Arkansas vs California: Home Insurance Cost in context
California's home insurance cost is $1,348/yr, compared with $5,045/yr in Arkansas. Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).
Arkansas
$5,045/yr
California
$1,348/yr
Difference
$3,697
People also ask
Arkansas vs California Home Insurance Cost — common questions
QWhat is Arkansas's home insurance cost?
Arkansas's home insurance cost is $5,045/yr.
QWhat is California's home insurance cost?
California's home insurance cost is $1,348/yr.
QWhich state has a lower home insurance cost — Arkansas or California?
California has cheaper average home insurance than Arkansas by $3,697.
More comparisons: Arkansas vs California
Grouped tabs keep the deep-dive links tighter and easier to scan.
Explore each state
Data source and freshness
Primary source
Data period
2026 comparison
Dataset reviewed
July 23, 2026
Method note
Illustrative annual premium for the stated dwelling coverage; actual quotes vary.