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Rogers, AR Home Insurance Rates

Located in the Northwest of Arkansas, Rogers is one of the fastest growing metros in the entire country. This city, like most of the cities in the state of Arkansas, is characterized by humid, warm summers and mild to cool winters. With a humid subtropical type of climate, Rogers city is no stranger to storms and tornado with the potential to cause a lot of damage to homes. This has been the major reason why homeowners insurance is commonly sought after by the residents of the city.

Homeowners Insurance Rates in Rogers, AR

The average monthly Rogers, AR homeowners insurance premium stands at $116.78 according to our Arkansas study. This is a massive $6.45 decrease from the state’s average monthly premium which stands at $123.23. Out of 9 largest Arkansas cities, Rogers was found to have the cheapest home insurance. Out of 3 companies that we got rates from, Farm Bureau Insurance has the cheapest average monthly premium rate: $87.19. Liberty Mutual was just a little bit higher with $92.50 average. State Farm has shown a much higher average rate of $170.66. To be fair, it is important to note that State Farm offers a massive 35% discount to customers that bundle their homeowners coverage with car insurance.

Rogers, AR Homeowners Insurance Monthly Premiums

Zip CodeState FarmLiberty MutualFarm Bureau InsuranceZip Code Average
Company Average$170.66$92.50$87.19Rogers Average: $116.78
72756$166.41$96.00$85.50$115.97
72758$174.91$89.00$88.87$117.59

The methodology that has been used for this study for getting rates includes obtaining quotes from 1500 sq ft house with two separate full bathrooms built in the year 2000. This is assuming the roof was replaced back in the year 2015 with an estimated home value of $150,000. The city of Rogers currently has two zip codes – 72756 and 72758.

Rogers, AR Statistics

The Rogers city has an estimated population of 66,430 as of July 1, 2017. Currently, 58.7 per cent of the housing units in the city are owner occupied and has a median value of $153,900 for the housing units. The median selected owner costs on a monthly basis with a mortgage are $1,222 and without a mortgage is $368. The median gross rent of the housing units is at $821. The median household income for the years 2012-2016 is $53,638 with a per capita income of $29,652 for the past 12 months. 13.4 per cent of the population in the city live under poverty conditions.

The crime rate in Rogers, Arkansas has been rated on a scale of 1 to 100 with 1 being the lowest crime rate and 100 being the highest crime rate. Rogers has a violent crime rate of 27.0 and property crime of 47.4. Property crime includes offences like arson, motor vehicle theft, larceny theft, and burglary. The object of property theft types of offences includes taking or property or crime but without threat or force against the victims.

In Closing

In a city like Rogers, it is recommended to invest well in homeowners insurance to cover your home from any unforeseen damages. However, getting the best homeowners insurance cover does not always equate spending a lot of money. You can save money through smart ways like staying with the same insurer. By keeping your coverage with a given company for years, you are likely to get a special discount offer for being their valued long term policyholder. There are so many insurers that are willing to reduce the overall premium by as high as 5 per cent for clients who stay with them for as long as 3 to 5 years.

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