Rogers, AR
Auto and home insurance in Rogers, Arkansas
How Rogers households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Rogers drivers commuting alone at a rate of 77% and homeowners making up 57% of households. Here is what that means for auto and home coverage in a city of about 75,639.
Rogers commuting and vehicle data
| Measure | Rogers | Arkansas |
|---|---|---|
| Drive alone to work | 77% | 79% |
| Carpool | 8% | 9% |
| Work from home | 14% | 9% |
| Commute of 45 minutes or more | 4% | 11% |
| Commute under 15 minutes | 40% | 34% |
| Households with no vehicle | 3% | 6% |
| Households with 3 or more vehicles | 24% | 23% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Long commutes are shorter in Rogers 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.
With 14% of Rogers workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
Vehicle counts vary: 24% of households in Rogers have at least three vehicles (Arkansas: 23%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Home values and housing age in Rogers
Census figures put Rogers's median home value at $308,200 (Arkansas: $188,000) and its median year built at 1998. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
Benchmark: $1,896 was the average 2023 Arkansas HO-3 premium at the $300,000–$324,999 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 Rogers
Arkansas requires liability limits of at least 25/50/25. Other required coverage: none beyond liability. Those are floors; with Rogers's median home value at $308,200, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Rogers
With 57% of households owning their home, bundling is an option for most Rogers families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Local risks for Rogers cars and homes
Around Rogers, two exposures stand out: spring hail and tornadoes and straight-line winds. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
County hazard detail: FEMA National Risk Index.
How Rogers compares in Arkansas
Bentonville: 69% drive alone, 4% commute 45+ minutes, median home $428,500. Bella Vista: 71% drive alone, 13% commute 45+ minutes, median home $296,700. Centerton: 72% drive alone, 9% commute 45+ minutes, median home $338,500. For share of 45-minute-plus commutes, Rogers is 18th of 20 Arkansas cities on this site.
Gathering details for a Rogers auto and home quote
- Drivers' names and dates of birth
- Lender name and loan number
- Commute distance and typical yearly miles
- VINs from registrations or the dashboard
- Recent claims or violations
- Roof age and material
Rogers auto and home insurance FAQ
What auto insurance is required in Rogers?
Arkansas requires liability of 25/50/25; none beyond liability.
Do Rogers drivers have long commutes?
About 4% of Rogers workers commute 45 minutes or more and 40% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Rogers?
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