Sherwood, AR
Insuring your car and home in Sherwood, AR
Commute, vehicle, and housing data for Sherwood, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Sherwood has about 33,281 residents in Pulaski County. 80% of its workers drive to work alone and 71% of households own their home, so most families here need both a car policy and a homeowners policy.
Cars, commutes, and households in Sherwood
| Measure | Sherwood | Arkansas |
|---|---|---|
| Drive alone to work | 80% | 79% |
| Carpool | 6% | 9% |
| Work from home | 13% | 9% |
| Commute of 45 minutes or more | 8% | 11% |
| Commute under 15 minutes | 25% | 34% |
| Households with no vehicle | 3% | 6% |
| Households with 3 or more vehicles | 21% | 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 Sherwood than statewide: 8% 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.
Remote work is common here: 13% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
In Sherwood, 3% of households live without a car while 21% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Owning a home in Sherwood
The median owner-occupied home in Sherwood is valued at $199,500, and half of the city's homes were built before 1986. The Arkansas median value is $188,000. Your dwelling limit should match rebuild cost, which can differ from market value.
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 Sherwood
The state minimum is 25/50/25. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
Should Sherwood homeowners bundle?
A bundle can simplify life in Sherwood: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Local risks for Sherwood cars and homes
Around Sherwood, two exposures stand out: tornadoes and straight-line winds and flooding on rural roads. 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).
See FEMA's National Risk Index for local hazard scores.
Neighboring cities and Sherwood
In Little Rock, 54% own their home and 14% of households have three or more vehicles. North Little Rock shows 11% working from home and a median home value of $178,900. Jacksonville: 74% drive alone, 4% commute 45+ minutes, median home $163,400. For share of 45-minute-plus commutes, Sherwood is 8th of 20 Arkansas cities on this site.
Gathering details for a Sherwood auto and home quote
- Roof age and material
- Accidents, tickets, and claims from the last five years
- VINs from registrations or the dashboard
- Your Sherwood address, square footage, and year built
- Commute distance and typical yearly miles
- Mortgage company for the home
Questions from Sherwood drivers and homeowners
What auto insurance is required in Sherwood?
Arkansas requires liability of 25/50/25; none beyond liability.
How long are commutes in Sherwood?
About 8% of Sherwood workers commute 45 minutes or more and 25% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Sherwood?
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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Auto and home insurance in Arkansas
Last updated October 15, 2026 · How we research