Pine Bluff, AR Car Insurance

Drivers in Pine Bluff pay, on average, $64 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What rates can residents of Pine Bluff expect to pay for their car insurance? How does Pine Bluff stack up to the rest of the area, or even Arkansas as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Pine Bluff?

Area Average Monthly Car Insurance Premium
Pine Bluff$64
AR$62
United States$80

As you can tell by looking at the chart above, auto insurance rates in Pine Bluff are about the same as the rest of Arkansas.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Pine Bluff is rather affordable. It's about $16 cheaper to insure your vehicle in Pine Bluff compared to the average rate for the United States as a whole.

Bear in mind that while these are the average car insurance rates for Pine Bluff, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Pine Bluff residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$103
25-34$67
35-44$57
45-54Not Enough Data
55-64$48
65+$61

Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates begin to go back up in Pine Bluff.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$62

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Pine Bluff, male drivers pay about $4 more per month. As you can see in the table above, female drivers in the area typically pay $62 on average, while female drivers typically pay $66 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$95
Multiple Accidents$88
1 Ticket$111
Multiple Tickets$96

Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. In Pine Bluff, a driving record with a single accident will usually get you a rate around $95 a month. In addition, drivers with a single ticket on their record can expect to pay around $111 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$67
2-3 Years$66
4-5 Years$54
6-7 Years$59
8-10 Years$63
11-14 Years$70
15 Years or Older$59

According to the first table above, cars are by and large the cheapest vehicles to insure in Pine Bluff, with drivers paying around $61 per month for auto insurance.

Truck and van drivers will see rates of about $66 for auto insurance, while SUV owners usually pay around $68 a month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. In Pine Bluff, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$75
Divorced$47
Widowed$76

More often than not, those who have settled down into marriage will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Pine Bluff, with married couples paying about $13 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$59
Rent$68
Live with parents$62

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Pine Bluff, expect to pay around $9 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Pine Bluff, AR

Recent trends in car insurance for Pine Bluff drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

In Pine Bluff, auto insurance rates rose from 2016-2019, before steadying out in 2020. Car insurance rates finished down in 2021, at $66 per month

How does Pine Bluff compare to neighboring areas?

Why are car insurance rates in Pine Bluff different from other areas?

There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Local laws
  • Access to off-street parking
  • Total drivers
  • Road Safety (how many accidents each locality has)
  • Local crime rates

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

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

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Pine Bluff.

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Pine Bluff Insurance FAQs

What factors affect car insurance quotes in Pine Bluff?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Pine Bluff different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Pine Bluff?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Pine Bluff?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Pine Bluff or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes