Jacksonville, AR
Jacksonville, AR car and homeowners insurance
How Jacksonville households can compare car and home coverage, with local Census data. A quote is not a binder.
Two numbers frame insurance in Jacksonville: 50% of households are homeowners, and 74% of commuters drive alone. With a population near 29,129, that adds up to a lot of households insuring a house and at least one vehicle.
Jacksonville commuting and vehicle data
| Measure | Jacksonville | Arkansas |
|---|---|---|
| Drive alone to work | 74% | 79% |
| Carpool | 13% | 9% |
| Work from home | 8% | 9% |
| Commute of 45 minutes or more | 4% | 11% |
| Commute under 15 minutes | 33% | 34% |
| Households with no vehicle | 9% | 6% |
| Households with 3 or more vehicles | 17% | 23% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Long commutes are shorter in Jacksonville than statewide: 4% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Only 8% of Jacksonville workers mostly work from home, below the Arkansas share of 9%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
Vehicle counts vary: 17% of households in Jacksonville have at least three vehicles (Arkansas: 23%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
The Jacksonville homeowners picture
Census figures put Jacksonville's median home value at $163,400 (Arkansas: $188,000) and its median year built at 1979. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Arkansas HO-3 policyholders with $150,000–$199,999 of dwelling coverage paying an average of $1,437; 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.
Legal minimums on the road in Jacksonville
Arkansas requires liability limits of at least 25/50/25. Other required coverage: none beyond liability. Those are floors; with Jacksonville's median home value at $163,400, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Jacksonville
A bundle can simplify life in Jacksonville: 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 Jacksonville
Plan for spring hail, along with flooding on rural roads. 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.
Neighboring cities and Jacksonville
In Little Rock, 54% own their home and 14% of households have three or more vehicles. North Little Rock: 76% drive alone, 5% commute 45+ minutes, median home $178,900. In Sherwood, 71% own their home and 21% of households have three or more vehicles. Jacksonville ranks 19th for long commutes among the 20 Arkansas cities we profile.
Gathering details for a Jacksonville auto and home quote
- VINs from registrations or the dashboard
- When the roof was replaced
- Commute distance and typical yearly miles
- Recent claims or violations
- Current declarations pages for auto and home
- Everyone in the household who drives
Jacksonville auto and home insurance FAQ
What are the minimum car insurance limits for Jacksonville drivers?
Arkansas requires liability of 25/50/25; none beyond liability.
Do Jacksonville drivers have long commutes?
About 4% of Jacksonville workers commute 45 minutes or more and 33% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Jacksonville?
Prices depend on the home and coverage. The NAIC's 2023 Arkansas HO-3 average was $1,870; see the Arkansas page.
Other city guides near Jacksonville
Auto and home insurance in Arkansas
Last updated October 15, 2026 · How we research