How Much Does Disability Insurance Cost in Arkansas?
Arkansas pricing is below the national average. Updated for 2026.
Disability Insurance Pricing in Arkansas
In Arkansas, the average cost for disability insurance is $100 per month, which is 20% lower than the national average of $125. Most Arkansas residents pay between $20 and $400.
Arkansas benefits from a lower cost of living than many states, resulting in more affordable pricing for disability insurance. This makes it one of the more budget-friendly states for this service.
Disability insurance replaces a portion of your income (typically 50-70%) if you become unable to work due to illness or injury. Short-term disability covers weeks to months; long-term covers years to retirement.
Arkansas vs National Average
What Affects Disability Insurance Cost in Arkansas?
Term
Short-term (3-6 months): $25-$75/month. Long-term (to age 65): $50-$500/month
Occupation
Office/professional: $50-$150/month. Manual labor: $100-$300/month. High-risk: $200-$500/month
📐 Disability Insurance in Arkansas Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Disability Insurance Pros in Arkansas
5 providersElite Roofing & Siding
⭐ PREMIUMProudly serving AR since 2014. Licensed, insured, and committed to excellence.
Apex Roofing & Siding
⭐ PREMIUMProudly serving AR since 2020. Licensed, insured, and committed to excellence.
Elite Roofing & Siding
Are You a Disability Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for disability insurance in Arkansas.
💡 Tips to Save on Disability Insurance in Arkansas
- 1.Employer group plans are significantly cheaper than individual policies
- 2.Longer elimination periods (90 vs 30 days) reduce premiums 20-30%
- 3.Own-occupation policies cost more but provide better protection
- 4.Buy when young and healthy — premiums are based on age at purchase
📈 Disability Insurance in Arkansas Cost Trends (2020–2024)
Prices have increased +19.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $84 | — |
| 2021 | $88 | +4.8% |
| 2022 | $94 | +6.8% |
| 2023 | $97 | +3.2% |
| 2024 | $100 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Disability Insurance in Arkansas
Recent Reports
Frequently Asked Questions
What's the difference between short-term and long-term disability?
Short-term covers the first 3-6 months after disability. Long-term kicks in after that and can last years or until retirement. Many employers offer short-term; long-term often requires individual purchase.
Disability Insurance Cost in Other States
Related Cost Guides for Arkansas
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.