Pine Bluff, AR
Auto and home insurance in Pine Bluff, Arkansas
How Pine Bluff households can compare car and home coverage, with local Census data. A quote is not a binder.
Pine Bluff has about 38,785 residents in Jefferson County. 85% of its workers drive to work alone and 52% of households own their home, so most families here need both a car policy and a homeowners policy.
Pine Bluff driving profile
| Measure | Pine Bluff | Arkansas |
|---|---|---|
| Drive alone to work | 85% | 79% |
| Carpool | 8% | 9% |
| Work from home | 4% | 9% |
| Commute of 45 minutes or more | 11% | 11% |
| Commute under 15 minutes | 35% | 34% |
| Households with no vehicle | 10% | 6% |
| Households with 3 or more vehicles | 16% | 23% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Pine Bluff commutes are similar than the Arkansas norm, with 11% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Fewer Pine Bluff workers telecommute (4%) than the state average, which means more cars on the road at rush hour.
16% of Pine Bluff households keep three or more vehicles, and 10% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Pine Bluff homes and homeowners coverage
Homes in Pine Bluff carry a median value of $89,400 and a median construction year of 1972. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
Benchmark: $1,116 was the average 2023 Arkansas HO-3 premium at the Under $150,000 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Arkansas auto minimums that apply in Pine Bluff
Arkansas requires liability limits of at least 25/50/25. Other required coverage: none beyond liability. Those are floors; with Pine Bluff's median home value at $89,400, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Pine Bluff household
With 52% of households owning their home, bundling is an option for most Pine Bluff families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
What can go wrong in Pine Bluff
Insurers in Arkansas price for tornadoes and straight-line winds and spring hail. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
Pine Bluff compared with nearby cities
Little Rock: 76% drive alone, 5% commute 45+ minutes, median home $236,400. Fayetteville shows 15% working from home and a median home value of $349,600. Fort Smith shows 8% working from home and a median home value of $178,100. For share of 45-minute-plus commutes, Pine Bluff is 4th of 20 Arkansas cities on this site.
Pine Bluff quote checklist
- Vehicle year, make, model, and VIN
- Drivers' names and dates of birth
- Current declarations pages for auto and home
- Commute distance and typical yearly miles
- When the roof was replaced
- Liability limits you want
Questions from Pine Bluff drivers and homeowners
What auto insurance is required in Pine Bluff?
Arkansas requires liability of 25/50/25; none beyond liability.
Do Pine Bluff drivers have long commutes?
About 11% of Pine Bluff workers commute 45 minutes or more and 35% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Pine Bluff?
Prices depend on the home and coverage. The NAIC's 2023 Arkansas HO-3 average was $1,870; see the Arkansas page.
More Arkansas cities
Auto and home insurance in Arkansas
Last updated October 15, 2026 · How we research