Paragould, AR
Insuring your car and home in Paragould, AR
How Paragould households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Paragould drivers commuting alone at a rate of 83% and homeowners making up 57% of households. Here is what that means for auto and home coverage in a city of about 30,680.
Cars, commutes, and households in Paragould
| Measure | Paragould | Arkansas |
|---|---|---|
| Drive alone to work | 83% | 79% |
| Carpool | 8% | 9% |
| Work from home | 4% | 9% |
| Commute of 45 minutes or more | 10% | 11% |
| Commute under 15 minutes | 53% | 34% |
| Households with no vehicle | 7% | 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.
About 10% of Paragould commuters travel 45 minutes or more each way (Arkansas: 11%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Fewer Paragould workers telecommute (4%) than the state average, which means more cars on the road at rush hour.
Vehicle counts vary: 17% of households in Paragould have at least three vehicles (Arkansas: 23%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Owning a home in Paragould
Census figures put Paragould's median home value at $181,500 (Arkansas: $188,000) and its median year built at 1991. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
Benchmark: $1,437 was the average 2023 Arkansas HO-3 premium at the $150,000–$199,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
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 Paragould
Arkansas requires liability limits of at least 25/50/25. Other required coverage: none beyond liability. Those are floors; with Paragould's median home value at $181,500, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Paragould household
A bundle can simplify life in Paragould: 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 Paragould
Insurers in Arkansas price for flooding on rural roads and tornadoes and straight-line winds. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
How Paragould compares in Arkansas
Little Rock shows 12% working from home and a median home value of $236,400. In Fayetteville, 42% own their home and 15% of households have three or more vehicles. Fort Smith: 77% drive alone, 4% commute 45+ minutes, median home $178,100. For share of 45-minute-plus commutes, Paragould is 5th of 20 Arkansas cities on this site.
Gathering details for a Paragould auto and home quote
- Recent claims or violations
- VINs from registrations or the dashboard
- Drivers' names and dates of birth
- Liability limits you want
- Your existing policies and renewal dates
- When the roof was replaced
Paragould auto and home insurance FAQ
What are the minimum car insurance limits for Paragould drivers?
Arkansas requires liability of 25/50/25; none beyond liability.
Do Paragould drivers have long commutes?
About 10% of Paragould workers commute 45 minutes or more and 53% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Paragould?
There is no single price. As context, Arkansas HO-3 policies averaged $1,870 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research