Population: 70,766 | South region | 45% above national average for homeowners insurance
Rogers is a small city with a population of 70,766 in the South region. Insurance costs here are shaped by a combination of Arkansas's regulatory environment, local risk factors, and the city's specific demographic profile.
Homeowners in Rogers face significantly elevated insurance costs at $3,761/yr — 45% above the national average. Over a 30-year mortgage, this premium gap amounts to approximately $34,830 in additional insurance costs compared to the average American homeowner. This is a material factor in the true cost of homeownership here and should be carefully factored into any home purchase decision.
Severe weather — particularly tornado — is the primary driver of elevated insurance costs in Rogers. The region experiences multiple severe weather events annually, generating billions in insured losses. Impact-resistant roofing (Class 4) is one of the most effective investments homeowners can make, potentially reducing premiums by 10-30%.
Rogers's crime index of 32/100 is moderate — neither a significant penalty nor a notable benefit for insurance pricing. Standard security measures and a claims-free history are the most effective ways to keep premiums in check.
The total annual insurance budget for a Rogers homeowner with a car is approximately $5,931/yr ($494/mo). This is significantly above the national combined average of $5,097/yr. For anyone relocating to Rogers, budgeting for this higher insurance cost is essential — it can represent the equivalent of one or more extra monthly car payments per year. Bundling homeowners and auto with the same carrier typically saves 15-20%, which could mean $1,008 in annual savings.
Data sources: Insurance cost estimates derived from NAIC reports, Insurance.com, Bankrate, and Insurify (2025-2026). City risk factors from FEMA, FBI UCR, and state insurance department filings. Figures represent average annual premiums for standard coverage and may vary based on individual factors.
Join thousands of homeowners, renters, and investors getting smarter about insurance every week.
Subscribe Free →