Understanding the top insurance claims in Arkansas isn’t just trivia — it’s one of the smartest ways to protect what matters most. Whether you’re a homeowner in Bentonville, a driver in Little Rock, or a small business owner in Fayetteville, knowing which claims are most common helps you choose coverage that fits real-life risks, not just what sounds good on paper.
From hail-damaged roofs and highway collisions to business liability and flood losses, these claim patterns tell an important story: Arkansas residents face unique challenges, and your insurance should reflect that. After all, what’s risky in Rogers may look totally different from what folks face in Jonesboro or Hot Springs.
That’s where G&G Independent Insurance comes in — blending local expertise with access to 50+ carriers to make sure your policy is built for Arkansas, not somewhere else. Our team knows the state’s weather quirks, road conditions, and business environment inside and out, so you can trust that your coverage fits your lifestyle like a glove.
How could these claims affect your premiums or coverage options? Contact G&G today for a personalized consultation and see how we can help you stay covered, confident, and cost-savvy.
The Most Common Types of Insurance Claims in Arkansas
Below is a closer look at the most frequent insurance claims reported in Arkansas over the past five years — and what they mean for homeowners, drivers, families, and small businesses.
Homeowners Insurance Claims
If you live in Arkansas, you already know our weather can be… dramatic. From spring hailstorms to summer tornadoes and fall wind gusts, severe weather is the leading cause of homeowners insurance in Arkansas. Hail, wind, and tornado damage often lead to costly repairs for roofs, siding, and gutters. In fact, roof claims are among the most common — and the most expensive — with insurers sometimes adding separate wind/hail deductibles or using actual cash value instead of replacement cost for older roofs.
Fire and lightning are other big culprits, particularly in rural areas or homes with aging electrical systems. Even one stray spark or power surge can cause extensive structural damage. Meanwhile, theft and vandalism tend to cluster in more densely populated neighborhoods, where additional security measures, such as motion-activated lighting and smart cameras, can make a significant difference.
Flooding also poses a growing risk, especially in low-lying parts of the state. Many homeowners are surprised to learn that standard homeowners policies don’t cover flood damage. That’s why we recommend checking out our flood insurance guide for Arkansas homeowners. for extra protection — because when it rains here, it pours.
If you ever experience damage, knowing what to do next can make the process much smoother. Be sure to read our blog on How to File a Home Insurance Claim for step-by-step guidance on what to document, how to file, and what to expect afterward.
Auto Insurance Claims
When it comes to auto insurance in Arkansas, collisions take the top spot for claim frequency. Whether it’s a fender bender on I-49 or a deer encounter on a back road, collision claims make up a significant share of total auto losses. Weather-related damage — especially hail and flooding — also spikes comprehensive claims every year.
Then there’s another issue many Arkansans don’t think about until it’s too late: uninsured and underinsured motorists. Unfortunately, Arkansas ranks among the higher states for uninsured drivers, which means your own insurer may have to step in to cover your damages if the other driver can’t. That can lead to higher premiums statewide.
Vehicle theft and vandalism are also frequent in larger metro areas like Little Rock and Fort Smith. Installing an anti-theft device, parking in well-lit areas, and reviewing your comprehensive coverage limits can help you stay protected.
Want to cut your car insurance costs without cutting corners? Check out our Top Tips for Saving Money on Car Insurance in Arkansas for expert strategies from the G&G team.
Health Insurance Claims
Health-related claims in Arkansas have been on the rise — and not just because of national trends. As healthcare costs continue to climb, surgeries, emergency room visits, and treatments for chronic conditions (like diabetes and heart disease) are driving up total claim spending across the state.
The All-Payer Claims Database (APCD) provides public data showing where health spending is most concentrated, revealing patterns that impact how insurers design and price their plans. For example, higher hospital utilization or prescription costs in certain regions can lead to rate adjustments during renewal.
Whether you get coverage through an employer, private plan, or government program, it’s smart to review your benefits yearly and confirm your out-of-pocket limits. Unexpected medical costs can quickly add up — and knowing what your plan truly covers can help prevent claim surprises.
Business Insurance Claims
Arkansas’s small business community is thriving — but it’s not immune to risk. Common business insurance claims in the state involve property damage, liability, and business interruption. Retailers, restaurants, and contractors often report physical losses due to severe weather, vandalism, or accidental fires. Service-based businesses, on the other hand, may face liability claims from customer injuries or professional errors.
Even one unexpected event can cause major setbacks. That’s why commercial insurance for Arkansas businesses is so critical — it keeps operations running smoothly even when life throws curveballs.
For entrepreneurs looking to stay proactive, our 2025 small business insurance checklist for Arkansas owners is a handy resource for spotting coverage gaps before they become costly claims.
How Insurance Claims Impact Premiums
Claims frequency and severity directly influence insurance rates. When insurers pay out more — or when average claim costs rise (like when auto parts or construction materials get pricier) — premiums increase to maintain balance.
In Arkansas, several factors have driven recent premium changes:
- Storm frequency and record hail losses in 2023–2024
- Rising auto repair costs from supply chain shortages
- Increased healthcare spending and higher treatment costs
Policyholders may see:
- Higher renewal premiums after recent claims
- Surcharges or loss-based discounts are disappearing
- Nonrenewal or limited coverage availability in high-risk ZIP codes
To keep your rates steady, try to stay claim-smart. Handle small, manageable losses out of pocket when possible, keep up with home maintenance, and install security or monitoring systems. Businesses can benefit from risk assessments, workplace safety programs, and disaster planning to minimize costly interruptions.
Why Choosing the Right Insurance Matters
Choosing insurance isn’t just about price — it’s about confidence. Having the right coverage means knowing that when something goes wrong (and it will, eventually), you’re protected. As an independent insurance agency, G&G compares more than 50 carriers to find the perfect fit for your needs and budget.
We understand Arkansas-specific risks — from hailstorms and flash floods to tricky highway traffic — so we help you avoid hidden gaps and ensure your limits actually match your exposure. Whether you own a home, drive daily, or run a small business, reviewing your policy each year can make a world of difference.
When you’re ready, get a free quote from G&G — and let us show you how smarter coverage can mean better protection and potential savings.
Conclusion
Knowing the most common insurance claims in Arkansas isn’t just useful — it’s empowering. It gives you the tools to protect your home from severe weather, keep your vehicle safe from collisions, and safeguard your business from unexpected disruptions. Every storm, accident, or unforeseen event becomes less stressful when you’re prepared.
But awareness is only the beginning. The real power comes from taking action now, before a claim ever happens. Don’t wait until the next hailstorm, fender bender, or sudden interruption tests your coverage. Reach out to G&G Independent Insurance today for a personalized consultation and a complimentary quote.
Together, we’ll make sure your policies are tailored to Arkansas-specific risks so you can face whatever comes next with confidence, security, and peace of mind.
