Cheapest Auto Insurance in Pine Bluff, Arkansas (2024)

Pine Bluff drivers can find the cheapest car insurance rates from State Farm. The insurer’s liability rates start at just $33 per month.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated April 15, 2024

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Car insurance in Pine Bluff, Arkansas, averages $202 per month, which runs higher than the state’s average of $173. It’s likely higher in part due to the city’s higher-than-average crime rates, making it riskier for insurers to provide coverage in the city.[1]

However, when looking for quotes, you’ll receive a range of different prices — even when comparing the same coverage type and policy limits. Always make sure to compare car insurance quotes from at least three insurers before buying a policy. Here’s what else Pine Bluff drivers need to know to uncover affordable car insurance rates.

Quick Facts
  • State Farm, USAA, and GEICO are the cheapest car insurance companies for Pine Bluff drivers.

  • Pine Bluff drivers can shave nearly 50% off premiums by maintaining a good credit score.

  • Arkansas is an at-fault state, meaning the driver responsible for the incident pays for the damages.

Cheapest car insurance companies in Pine Bluff

Car insurance isn’t hard to find in Pine Bluff, but finding the right coverage at an affordable price is easier said than done. The right policy can vary depending on your individual needs and circumstances, driving history, vehicle type, location, and coverage preferences.

Here’s a look at three of the cheapest car insurers in Pine Bluff.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.5$57$29Affordable coverage
USAA4.5$70$35Active military, veterans, and their families
GEICO4.2$86$43Families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for affordable coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$33/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$69/mo

State Farm tops the list of cheap car insurance in Pine Bluff. The average State Farm policyholder pays significantly less than the city’s average cost of auto insurance. The many policy options and discounts can help keep your costs low.

You’ll find six State Farm agents nearby to help with policy changes, including buying coverage, filing a claim, and policy management.

Pros
  • Lowest rates for both liability and full coverage in Pine Bluff

  • Top-rated customer service and claims satisfaction by J.D. Power[2]

  • Multiple available discounts

Cons
  • Must purchase policy through an agent

  • Gap insurance not available

  • Accident forgiveness not available

Read our State Farm review
Charles - April 15, 2024
Verified

What an Experience

It's too expensive.

Rose - April 15, 2024
Verified

So-So Customer Service

Mediocre. Calls to the office are neither answered nor returned. In addition, a recent rate increase has caused me to start shopping for another insurer.

Shawn - April 15, 2024
Verified

State Farm for the Win

Simply fantastic.

Best insurer for active military, veterans, and their families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$40/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$84/mo

With more than 4,000 veterans living in Jefferson County, Arkansas, USAA is a premier choice for car coverage.[3] It stands out for its quality service, scoring well above average in J.D. Power’s 2023 U.S. Auto Insurance Study and 2023 U.S. Auto Claims Satisfaction Study. Besides auto, USAA offers an array of insurance products, including boat, aviation, homeowners, and health insurance.

Being a USAA member unlocks a world of benefits and discounts extending far beyond insurance. You can save money on a variety of services and products, from hotel bookings and floral purchases to prescription medications and more.

Pros
  • Excellent customer satisfaction ratings by J.D. Power[2]

  • User-friendly app for convenient policy management

  • Offers rideshare coverage

Cons
  • Exclusive to military, veterans, and their families

  • Limited add-on vehicle coverage options

  • No physical local offices

Read our USAA review
Joseph - April 13, 2024
Verified

Excellent

It has been very good for a long time.

Candace - April 12, 2024
Verified

USAA Didn't Look Out for Me!

I was overcharged and rated incorrectly.

Robert - April 11, 2024
Verified

Good, Except for Glass Claims!

It's expensive.

Best insurer for families: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$104/mo

Pine Bluff, with its close-knit community of nearly 40,000, is a place where many families prioritize safety and value. GEICO is a good idea for auto coverage, blending affordability with various coverage options. Your family may benefit from various discounts for multiple drivers and vehicles, as well as bundling options for home and auto plans.

GEICO lacks a physical agent presence in Pine Bluff. However, its user-friendly mobile app and online resources streamline the process of managing policies and filing claims. The digital convenience is a significant perk for busy families.

Pros
  • Wide range of discounts

  • Website and app allow for convenient policy management

  • Coverage available for high-risk drivers

Cons
  • No agents in Pine Bluff

  • Gap and rideshare insurance not available

  • Below-average J.D. Power ratings in customer and claims satisfaction[2] 

Read our GEICO review
Andy - April 15, 2024
Verified

Unexpected Rate Increase

I had an accident and they raised my rates to over $8,000 a year. I initially thought I was making normal upfront payments, but it turned out to be monthly payments.

Jerrett - April 15, 2024
Verified

Poor

Too expensive.

Randy - April 15, 2024
Verified

Good

It's a good company, but I feel the price keeps going up.

Find Cheap Car Insurance in Pine Bluff, Arkansas

Liability rates start at $33 per month

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How to get the cheapest car insurance in Pine Bluff

Insurers consider your driving history, age, type of vehicle, and even your credit score when setting your rates. However, you shouldn’t have to suffer high premiums when cheap coverage may be available.

Here are some strategies to help you score a great rate on car insurance:

  • Maintain a good driving record. A clean driving record can lead to some of the most competitive rates available.

  • Hunt for discounts. You can reduce your premiums through various discounts, such as for safe driving, installing anti-theft devices, opting for paperless billing, and getting good grades (if you’re a student).

  • Shop and compare. Rates vary between companies. Get a free quote to compare coverages from multiple insurers to explore policy options and get the best value.

  • Bundle policies. Many insurance companies offer discounts if you bundle car insurance with other policies, like home insurance or renters insurance.

Cheapest liability-only car insurance in Pine Bluff: State Farm

Liability-only car insurance is a type of policy that covers damages and injuries you cause to others in an accident. However, it doesn’t cover your personal injuries or damages to your vehicle. Liability insurance coverage is mandatory for Pine Bluff drivers, and a liability-only policy is a great way to meet legal requirements for auto insurance at a lower cost.

State Farm offers the cheapest liability-only policies for Pine Bluff drivers, at $33 per month. 

Monthly rates can vary, as you’ll see in the table below, which shows the average monthly cost for liability protection from different insurance companies in Pine Bluff.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm33
USAA40
GEICO51
Auto-Owners57
Safeco66
National General67
Shelter73
Allstate74
Farmers76
Nationwide76
Progressive79
Travelers79
State Auto90
Liberty Mutual97
Hallmark103
Midvale Home & Auto110
GAINSCO112
Dairyland120
Direct Auto125
The General148
Bristol West176
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Pine Bluff: State Farm

While liability-only insurance covers damage you cause to others, full-coverage car insurance extends this protection to your own vehicle. It safeguards against incidents like theft, vandalism, and accidents, even if you’re at fault. Full coverage is a smart choice for people with newer or high-value vehicles, people with loans, or anyone looking for more protection while on the road.

Pine Bluff drivers can find the cheapest full coverage with State Farm, with rates of $69 per month. The table below compares average costs from various insurers in the Pine Bluff area.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm69
USAA84
GEICO104
Auto-Owners117
Safeco149
Shelter151
Allstate154
Travelers154
Farmers155
Nationwide155
Progressive164
National General176
Midvale Home & Auto195
State Auto217
GAINSCO237
Liberty Mutual239
Direct Auto255
Hallmark273
Dairyland276
The General302
Bristol West408
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Arkansas

If you own a vehicle, the Arkansas Insurance Department requires you to have liability insurance coverage. The state follows a fault-based system, and the minimum policy amount helps pay for claims if you cause an accident.

Keep in mind that minimum policy limits aren’t always enough to cover the cost, and more protection is available from most insurers. For instance, you can purchase uninsured, underinsured, and personal injury protection coverage. Arkansas insurance companies must offer it to you, but the law doesn’t mandate it.[4]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000

Optional coverages can increase financial protection and give you more peace of mind. Here are a few add-ons to consider in Arkansas:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance reimburses you for damage to your car if you’re in an accident with another vehicle or object, like a tree or guardrail.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Known as “other-than-collision” coverage, comprehensive insurance pays for theft and vehicle damage from hazards like fire, flood, vandalism, hail, and falling rocks.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage comes into play if a driver without car insurance causes a car accident and you sustain injuries or property damage.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays medical bills after an accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    Gap insurance covers the “gap” if your car is stolen or totaled and you owe more on the car loan than the vehicle is worth.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage helps pay for towing, battery jump-starts, lockout assistance, towing, and fuel delivery if you’re stuck on the side of the road.

  • illustration card https://a.storyblok.com/f/162273/x/38dc81ba93/drive-1.svg

    New car replacement coverage

    New car replacement coverage pays the value of a brand-new car of the same make and model if your car is a total loss.

Cheapest car insurance for drivers with an incident

Speeding tickets, at-fault accidents, driving under the influence (DUIs), and other moving violations can pollute your driving record. Each is a red flag for insurers, signaling potentially risky driving behavior and a greater chance of future insurance claims. Because of the higher perceived risk, insurers often increase rates for drivers with spots on their records.

The table below highlights how rates from Pine Bluff insurers vary based on your driving record.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm33434454
USAA40525565
GEICO51677083
Auto-Owners57777993
Safeco669498107
National General678893109
Shelter73105109111
Allstate7497101120
Farmers76100104123
Nationwide76100105123
Progressive79107112128
Travelers79105109128
Liberty Mutual97136142158
GAINSCO112143150182
Dairyland120162167195
Direct Auto125169176203
The General148200208240
Bristol West176235240286
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Pine Bluff, AR

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Average cost of car insurance by age

Teen drivers have the most expensive car insurance premiums than any other age group. Factors like their lack of driving experience make them four times more likely to have a car accident than drivers age 20 and older.[5] As you age and spend more time on the road, you’ll notice a downward trend in car insurance premiums. Rates tend to decrease around age 35.

However, you’ll likely have a higher car insurance bill once you turn 70. Fatal crash rates start to increase at that age, according to the Insurance Institute for Highway Safety (IIHS), which drives up your costs.[6]

For a clearer picture, the table below illustrates the average car insurance costs across different age groups.

AgeAverage Monthly Quote
Teens$471
20s$313
30s$226
40s$203
50s$174
60s$160
70s$179
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Pine Bluff car insurance quotes by credit tier

Arkansas auto insurance companies can consider your credit history before giving you a quote. It can influence whether the insurer will offer you a policy and how much you’ll pay. Insurers have found that credit report information can predict the likelihood of filing a claim, with excellent or good credit scores leading to lower rates.[7]

If you can maintain a higher credit rating, you can save nearly 50% compared to a driver with poor credit scores, as seen in the table below.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Pine Bluff car insurance FAQs

Finding the right car insurance can be difficult. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Pine Bluff.

  • How much is car insurance in Pine Bluff?

    The average cost of car insurance in Pine Bluff is $202 per month.

    Pine Bluff drivers pay $116 per month for liability coverage and $288 for full-coverage car insurance, on average. Your exact auto insurance premium will depend on your driving record, age, credit history, and other factors.

  • Which company has the cheapest car insurance in Pine Bluff?

    State Farm offers the cheapest liability car insurance in Pine Bluff, at $33 per month. USAA is the second-cheapest insurer in the city, with a rate of $40. The third-cheapest insurer, GEICO, has a liability-only rate of $51 per month.

    Comparing quotes from multiple car insurance companies is the best way to find the cheapest car insurance for your coverage needs.

  • What are the best car insurance companies in Pine Bluff?

    State Farm is the best car insurance company in Pine Bluff, with an Insurify Quality (IQ) Score of 4.5 out of 5, an AM Best financial strength rating of A++ (Superior), and high customer satisfaction ratings. Other top insurers include USAA and GEICO.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Neighborhood Scout. "Pine Bluff Crime Rates and Statistics."
  2. Jdpower.com. "2023 U.S. Auto Insurance Study."
  3. U.S. Department of Veterans Affairs. "National Center for Veterans Analysis and Statistics."
  4. Arkansas Insurance Department. "Consumers FAQ."
  5. Insurance Institute for Highway Safety. "Teenagers."
  6. Insurance Institute for Highway Safety. "Older Drivers."
  7. Arkansas Insurance Department. "Understanding How Insurers Use Credit Information."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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