Texarkana, AR
Auto and home insurance in Texarkana, Arkansas
How Texarkana households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Texarkana drivers commuting alone at a rate of 81% and homeowners making up 55% of households. Here is what that means for auto and home coverage in a city of about 28,897.
How Texarkana gets around
| Measure | Texarkana | Arkansas |
|---|---|---|
| Drive alone to work | 81% | 79% |
| Carpool | 12% | 9% |
| Work from home | 4% | 9% |
| Commute of 45 minutes or more | 4% | 11% |
| Commute under 15 minutes | 47% | 34% |
| Households with no vehicle | 11% | 6% |
| Households with 3 or more vehicles | 14% | 23% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 4% of Texarkana 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.
Only 4% of Texarkana workers mostly work from home, below the Arkansas share of 9%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
In Texarkana, 11% of households live without a car while 14% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
The Texarkana homeowners picture
Census figures put Texarkana's median home value at $170,200 (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.
For context, the NAIC's 2023 average HO-3 premium in Arkansas was $1,437 for homes insured in the $150,000–$199,999 range, and $1,870 across all coverage amounts.
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 Texarkana
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.
Bundling auto and home in Texarkana
Most Texarkana homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Weather and road risks around Texarkana
Around Texarkana, 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).
County hazard detail: FEMA National Risk Index.
Texarkana compared with nearby cities
In Little Rock, 54% own their home and 14% of households have three or more vehicles. 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, Texarkana is 17th of 20 Arkansas cities on this site.
Gathering details for a Texarkana auto and home quote
- Annual mileage for each car
- Recent claims or violations
- Drivers' names and dates of birth
- Mortgage company for the home
- VINs from registrations or the dashboard
- Current declarations pages for auto and home
Questions from Texarkana drivers and homeowners
What auto insurance is required in Texarkana?
Arkansas requires liability of 25/50/25; none beyond liability.
Do Texarkana drivers have long commutes?
About 4% of Texarkana workers commute 45 minutes or more and 47% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Texarkana?
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