Cheap Auto Insurance Quotes in Pine Bluff, AR (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Just over 41,000 Razorbacks call Pine Bluff home, and most drive as the main mode of transportation. Are the Razorbacks not your team? You can still root for a car insurance policy that matches your driver profile as you enjoy life in Arkansas.

Over 86 percent of Pine Bluff households own cars. With all those people on the roads eyeing and enjoying the outdoors, finding the right auto insurance policy becomes a natural part of life in the Natural State.

Car Insurance in Pine Bluff, AR

The average cost of Arkansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Pine Bluff, AR to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Pine Bluff, AR

Here are the cheapest carriers in Pine Bluff for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Pine Bluff, AR

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Pine Bluff. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Pine Bluff, AR Driving Facts

Minimum Car Insurance Requirements in AK

Arkansas' minimum liability auto insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
arkansas

Pine Bluff Car Insurance Rates by Driver Age

"Drivers at the opposite ends of the age spectrum pay the most for their insurance policies in Pine Bluff. Teens and those in their 20s pay $525 and $327, respectively, while those in their 70s average $443 to remain insured. Why do these ages pay so much? \nInsurance companies use (among other things) accident statistics to inform rates. Drivers in these age groups represent a higher claims risk than others on the road. Therefore, car insurance companies charge them more. These higher charges are how an insurance company recoups claims losses—both real and perceived."

Driver's AgeAvg. Monthly Cost
teens$526
20s$328
30s$303
40s$212
50s$147
60s$195
70s$444
80s$121
Driving HistoryAvg. Monthly Cost
No Violation$246
Speeding Ticket$299
At-Fault Accident$289
Failure to Stop for Red Light / Stop Sign$348

Pine Bluff Car Insurance Rates by Driving and Accident History

Coming to a complete stop is a must in Pine Bluff, especially when you consider the damage a failure-to-stop violation can do to your insurance premiums. Even if they don’t cause an accident, red-light runners pay an average of $347 in car insurance per month. That amounts to 42 percent more in insurance premiums than drivers who have no offenses. Risky behavior like speeding can also result in increased insurance costs. Drivers ticketed for speeding in Pine Bluff pay an average of $298 in car insurance premiums every month—$53 more than the clean-record crowd.

Pine Bluff Car Insurance Rates by Credit Tier

Credit tier is another factor used by car insurance companies to determine an individual’s absolute risk. Once they figure out your risk, the insurance company sets a rate that protects them financially if you make a claim. What does credit have to do with an individual’s risk? If you pay your bills on time, you demonstrate less risk than the person who does not (for example). Credit-based insurance scoring is very common and only excluded by a few states. Motorists with an average credit score in Pine Bluff can expect to pay $251 in car insurance premiums monthly.

Credit TieAvg. Monthly Cost
Excellent$173
Good$279
Average$252
Poor$265

Pine Bluff, AR DMV Information

The Pine Bluff Revenue Office is at 2801 Olive St., Space 7C, Pine Bluff, AR 71603. The office hours are Monday through Friday from 7 a.m. to 6 p.m., and the phone number is 1 (870) 535-4564. The location will let you pick up special tags, and it services Jefferson county.

Public Transportation in Pine Bluff, AR

Most people in Pine Bluff drive, but the city provides public transportation. Pine Bluff Transit serves the town with paratransit options available for those who qualify. If you're skipping the bus, you can opt for rideshare services like Uber or Lyft.

Conclusion: How to get the best and cheapest car insurance in Pine Bluff, AR

Jumping behind the wheel? Make sure you’re insured. Try Insurify to track down the best rates by comparing dozens of insurance quotes in just a few seconds.

When over 16 percent of Arkansas drivers have no insurance, skipping protection's a huge risk. Use Insurify to score the coverage and price that will make you scream "woo, pig, sooie!"

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Pine Bluff stacks up for the state of Arkansas:

nissan
Nissan Altima
Most Popular Car in
Pine Bluff, AR
suspended licenses
#5
Cities with Most
Suspended Licenses Rank

FAQs - Pine Bluff, AR Car Insurance

Why is car insurance so expensive in Pine Bluff?

One out of six Arkansas drivers has no insurance. Irresponsible drivers push up the cost for everyone. Insurers assign a higher premium to match the increased risk.

How can I get the cheapest car insurance in Pine Bluff?

Set your policy to the state minimum coverage. It's the least amount of protection Arkansas allows. If you're financing, you may also need comprehensive and collision coverage. In that case, to make your bill less, raise your deductibles to the most you can afford out of pocket if a wreck happens.

Who offers the cheapest car insurance in Pine Bluff?

Car insurance prices vary by city, company, and driver. If you're looking for rates tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve at a price you can afford.