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Pine Bluff Car Insurance

How much does car insurance cost in Pine Bluff, AR? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Pine Bluff?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arkansas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Pine Bluff typically pay around $130.36 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Arkansas $115.15
Pine Bluff, Arkansas $130.36

Pine Bluff, AR Best Car Insurance Companies

car insurance in Pine Bluff

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Pine Bluff coming in around $81.02 per month. Other companies to consider if you live in Pine Bluff is SAFECO with an average cost of $86.43 per month and Direct Auto which typically runs around $108.03 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Pine Bluff.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $81.02-29.64%
2 SAFECO $86.43-24.94%
3 Direct Auto $108.03-6.19%
4 State Farm $111.53-3.15%
5 Southern Farm Bureau $111.61-3.08%
6 Nationwide $137.4419.35%
7 Shelter $149.8130.09%
8 Columbia Insurance Group $161.0239.83%
9 Farmers $178.1754.72%
10 Cameron Mutual Group $181.7657.84%

How Much is Car Insurance in Pine Bluff, AR?

how much is auto insurance in Pine Bluff

Rates can vary from city to city. The residents of Benton typically pay $128.39 per month while people who live in Fort Smith will pay $104.35 per month on average. See what people pay for car insurance in other cities in Arkansas.

Arkansas CitiesMonthly Average Rate
Benton$128.39
Fort Smith $104.35
Hot Springs National Park$121.01
Little Rock $141.46
North Little Rock $135.51
Pine Bluff $130.15

Cheap Car Insurance in Pine Bluff by Zip Codes

find cheap auto insurance in Pine Bluff

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Arkansas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Pine Bluff, AR ZIP CodeAverage Monthly Rate
71601$125.70
71603$132.01
71611$260.17
71613$78.17

Car Insurance Rates by Driver's Age Group in Pine Bluff

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $234.27 per month in Pine Bluff. Compare that to drivers in their 30’s who typically pay around $114.00 per month drivers in their 40s at $92.47 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$234.27
20s$176.64
30s$114.00
40s$92.47
50s$86.47
60s$124.00
70+$127.37

Cheapest Insurance for Teenage Drivers in Pine Bluff

If you are teen in Pine Bluff you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $201.92 per month. This is likely the most affordable option in Pine Bluff. You might also want to consider Southern Farm Bureau and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$201.92
Southern Farm Bureau$215.00
State Farm$333.25
Direct Auto$372.37
Shelter$389.25

Cheapest Insurance for 20 Year-olds in Pine Bluff

20 year-olds in Pine Bluff might want to consider USAA who, on average, offers car insurance rates around $101.52 per month. Direct Auto , State Farm , Southern Farm Bureau and Nationwide are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$101.52
Direct Auto$136.32
State Farm$148.91
Southern Farm Bureau$156.29
Nationwide$196.97

Cheapest Insurance for 30 Year-olds in Pine Bluff

If you are in your 30s in Pine Bluff our research has found that Direct Auto typically has the most affordable coverage coming in around $85.57 per month, followed by USAA at $89.93 and SAFECO at $111.56.

CompanyAverage Monthly Rate
Direct Auto$85.57
USAA$89.93
SAFECO$111.56
State Farm$123.28
Southern Farm Bureau$131.32

Cheapest Insurance for 40 Year-olds in Pine Bluff

On average, USAA offers car insurance for 40 year-olds in Pine Bluff for around $58.39 per month. If you are looking for affordable coverage, you may also want to consider Southern Farm Bureau or SAFECO. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$58.39
Southern Farm Bureau$63.86
SAFECO$68.50
State Farm$72.88
Direct Auto$74.46

Cheapest Insurance for 50 Year-olds in Pine Bluff

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Pine Bluff we found that USAA generally offers the most affordable coverage at $61.73 per month.

CompanyAverage Monthly Rate
USAA$61.73
Direct Auto$66.20
SAFECO$77.61
Southern Farm Bureau$82.83
State Farm$86.25

Cheapest Insurance for 60 Year-olds in Pine Bluff

If you live in Pine Bluff and you’re in your 60s, our data indicates that USAA usually has the best rates at $70.27 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$70.27
Direct Auto$76.75
SAFECO$82.46
Nationwide$83.40
State Farm$97.83

Driver's Coverage Auto Insurance Rates in Pine Bluff, AR

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Pine Bluff, the average monthly rate for a driver who is currently insured is $124.77 while drivers who are not currently covered will pay around $132.39.

CoverageAverage Monthly Rate
Not Currently Insured $132.39
Currently Insured $124.77

Compare Recent Car Insurance Quotes in Pine Bluff

auto insurance quotes in Pine Bluff city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Pine Bluff a driver of a 2002 Gmc Yukon can expect to pay around $122.77 per month while someone that owns a 2020 Toyota Supra may pay around $2.00 per month. Check out the list of recent quotes in Pine Bluff below.

VehicleAverage Monthly Rate
2002 Gmc Yukon$122.77
2020 Toyota Supra$2.00
2008 Kia Sedona$125.97
2010 Toyota Camry$183.37
2014 Chevrolet Camaro$830.17
2021 Dodge Charger$1.00
2016 Chevrolet Colorado$472.37
2012 Dodge AVENGER$308.97
1991 Chevrolet Camaro$123.77
2010 Toyota Camry$129.37

FAQ's for Drivers in Pine Bluff, AR

driver’s frequently asked question in Pine Bluff

What Is the Minimum Liability Coverage Requirement in Pine Bluff, AR?

Every vehicle owner in Arkansas must carry liability coverage in the amounts of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 to cover damage to another’s property. Liability insurance pays for claims when an accident is your fault. You have the option of choosing higher limits than the minimum required by law.

Important optional coverages include uninsured motorist insurance, which covers you and your vehicle if you’re involved in an accident with an uninsured driver and the accident is his or her fault, and personal injury protection (PIP), which helps with lost wages and medical expenses.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Although Arkansas does not require full coverage (collision and comprehensive), most vehicle finance lenders do require this level of coverage. If you elect not to purchase full coverage, your lender may purchase it on your behalf and charge you for it. This is typically a much more expensive way to go than purchasing the insurance yourself.

What Is the Blood Alcohol Concentration (BAC) limit in Pine Bluff, AR?

It is against the law for anyone to operate a motor vehicle in Arkansas with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

Driver fitness is also negatively affected by illegal, prescription, and over-the-counter drugs. If your driving is impaired while under the influence of one of these substances, you will face harsh penalties.

What happens if my coverage lapses?

In Arkansas, you’re required to show proof of insurance whenever stopped by a law enforcement officer. Plus, the state maintains a database that is automatically updated whenever changes are made to your insurance status or vehicle registration. If your coverage has lapsed for any reason, you may face driver’s license and registration suspension and be charged fines. Penalties become more severe for subsequent offenses.

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Commute Time in Pine Bluff, AR

18.1 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Pine Bluff, AR

173

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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