Cabot, AR
Auto and home insurance in Cabot, Arkansas
How Cabot households can compare car and home coverage, with local Census data. A quote is not a binder.
In Cabot (27,575 people), 81% of workers commute by driving alone, compared with 79% across Arkansas. Homeownership runs at 69%.
Cabot commuting and vehicle data
| Measure | Cabot | Arkansas |
|---|---|---|
| Drive alone to work | 81% | 79% |
| Carpool | 8% | 9% |
| Work from home | 8% | 9% |
| Commute of 45 minutes or more | 19% | 11% |
| Commute under 15 minutes | 22% | 34% |
| Households with no vehicle | 3% | 6% |
| Households with 3 or more vehicles | 26% | 23% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Cabot commutes are longer than the Arkansas norm, with 19% 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.
Fewer Cabot workers telecommute (8%) than the state average, which means more cars on the road at rush hour.
In Cabot, 3% of households live without a car while 26% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Cabot homes and homeowners coverage
Homes in Cabot carry a median value of $207,300 and a median construction year of 2000. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Arkansas HO-3 policyholders with $200,000–$224,999 of dwelling coverage paying an average of $1,561; the all-amounts state average was $1,870.
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 Cabot
Arkansas requires liability limits of at least 25/50/25. Other required coverage: none beyond liability. Those are floors; with Cabot's median home value at $207,300, most homeowners choose much higher liability limits to protect their equity.
Should Cabot homeowners bundle?
A bundle can simplify life in Cabot: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Cabot
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.
How Cabot compares in Arkansas
Little Rock shows 12% working from home and a median home value of $236,400. Fayetteville: 72% drive alone, 5% commute 45+ minutes, median home $349,600. In Fort Smith, 53% own their home and 18% of households have three or more vehicles. For share of 45-minute-plus commutes, Cabot is 1st of 20 Arkansas cities on this site.
Cabot quote checklist
- Drivers' names and dates of birth
- Annual mileage for each car
- Roof age and material
- Target limits and deductibles
- Vehicle year, make, model, and VIN
- Your Cabot address, square footage, and year built
Questions from Cabot drivers and homeowners
What auto insurance is required in Cabot?
Arkansas requires liability of 25/50/25; none beyond liability.
How long are commutes in Cabot?
About 19% of Cabot workers commute 45 minutes or more and 22% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Cabot?
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