Bentonville, AR
Auto and home insurance in Bentonville, Arkansas
How Bentonville households can compare car and home coverage, with local Census data. A quote is not a binder.
Two numbers frame insurance in Bentonville: 50% of households are homeowners, and 69% of commuters drive alone. With a population near 61,791, that adds up to a lot of households insuring a house and at least one vehicle.
How Bentonville gets around
| Measure | Bentonville | Arkansas |
|---|---|---|
| Drive alone to work | 69% | 79% |
| Carpool | 7% | 9% |
| Work from home | 20% | 9% |
| Commute of 45 minutes or more | 4% | 11% |
| Commute under 15 minutes | 37% | 34% |
| Households with no vehicle | 4% | 6% |
| Households with 3 or more vehicles | 15% | 23% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Bentonville commutes are shorter than the Arkansas norm, with 4% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Remote work is common here: 20% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
In Bentonville, 4% of households live without a car while 15% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
The Bentonville homeowners picture
The median owner-occupied home in Bentonville is valued at $428,500, and half of the city's homes were built before 2007. The Arkansas median value is $188,000. Your dwelling limit should match rebuild cost, which can differ from market value.
For context, the NAIC's 2023 average HO-3 premium in Arkansas was $2,267 for homes insured in the $400,000–$449,999 range, and $1,870 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Arkansas auto minimums that apply in Bentonville
Arkansas requires liability limits of at least 25/50/25. Other required coverage: none beyond liability. Those are floors; with Bentonville's median home value at $428,500, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Bentonville household
Most Bentonville homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
What can go wrong in Bentonville
Plan for flooding on rural roads, along with tornadoes and straight-line winds. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
Bentonville compared with nearby cities
In Rogers, 57% own their home and 24% of households have three or more vehicles. In Bella Vista, 88% own their home and 22% of households have three or more vehicles. Centerton: 72% drive alone, 9% commute 45+ minutes, median home $338,500. For share of 45-minute-plus commutes, Bentonville is 20th of 20 Arkansas cities on this site.
Gathering details for a Bentonville auto and home quote
- Home details: size, age, construction
- Target limits and deductibles
- Drivers' names and dates of birth
- Vehicle year, make, model, and VIN
- Annual mileage for each car
- Mortgage company for the home
Bentonville auto and home insurance FAQ
What auto insurance is required in Bentonville?
Arkansas requires liability of 25/50/25; none beyond liability.
How long are commutes in Bentonville?
About 4% of Bentonville workers commute 45 minutes or more and 37% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Bentonville?
Prices depend on the home and coverage. The NAIC's 2023 Arkansas HO-3 average was $1,870; see the Arkansas page.
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Last updated October 15, 2026 · How we research