Cheapest Auto Insurance in Pine Bluff, Arkansas (2025)

Car insurance in Pine Bluff, Arkansas, averages $168 per month, which runs higher than the state’s average of $135. 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.

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.

Best insurer for affordable coverage: State Farm

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

Best insurer for families: GEICO

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 $57 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.

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 $95 per month. The table below compares average costs from various insurers in the Pine Bluff area.

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

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

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.

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.

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.