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Pine Bluff, AR Home Insurance Rates

Being the 10th largest city in Arkansas, Pine Bluff is the county seat of the Jefferson County. This city forms a part of the combined statistical area of Little Rock North and Little Rock Pine Bluff. It is also the principal city of the Metropolitan Statistical Area Pine Bluff. The city is situated in the Southeastern part of Arkansas Delta and also straddles Arkansas Timberlands in the west.

It is home to bayous, streams, and creeks and also has many large water bodies like the Arkansas River, Lake Langhofer and Lake Pine Bluff. Hail, sleet, snow, and rain is common in this city and is no stranger to severe storms, flash flooding, heavy rain, and heavy snow.

Homeowners Insurance Rates in Pine Bluff, AR

We conducted a study of home insurance rates in Arkansas. It found that Pine Bluff has the most expensive homeowners insurance premiums among 9 most populated cities in AR. The monthly average Pine Bluff, AR Homeowners Insurance premium was found to be $138.63 which is $15.4 higher than the Arkansas monthly average premium of $123.23. Farm Bureau is the company that has the cheapest monthly average premium of $89.43. Liberty Mutual showed slightly higher rates with $106.14 average. State Farm consistently had much more expensive rates with an average of $181.47.

Pine Bluff, AR Homeowners Insurance Monthly Premiums

Zip CodeState FarmLiberty MutualFarm Bureau InsuranceZip Code Average
Company Average$181.47$145.00$89.43Pine Bluff Average: $138.63
71601$182.25$155.00$93.93$143.73
71602$182.08$120.00$85.50$129.19
71603$180.08$160.00$88.87$142.98

The methodology of the study used in order to get rates includes getting quotes for a house with 1500 sq ft with two full bathrooms. This is assuming the house was built in the year 2000 and the roof replaced in the year 2015. Here the value of the home is estimated at $150,000. Our study checked quotes for 3 different zip codes in Pine Bluff, Arkansas: 71601, 71602 and 71603.

Pine Bluff, AR Statistics

Currently, the number of people dwelling in the city of Pine Bluff is estimated at 42,984 according to the census 2017, July 1. The number of housing units that are owner-occupied includes 54.2 % of the entire population. The median value of the housing units that are owner-occupied includes $75,200. The median selected owner costs on a monthly basis with a mortgage are $901 and without a mortgage is $325. The median gross rent for the housing units is $670.

The median household income for 2012-2016 has been estimated at $30,942 with a per capita income of the last 12 months at $17,222. Currently, 32.5% of the city’s population is living under poverty.

The level of crime in Pine Bluff city, Arkansas has been rated on a scale of 1 to 100, with 1 being the lowest crime rate and 100 being the highest crime rate. The violent crime rate in the city is rated at 91.5 and property crime rate at 82.7.

Conclusion

In a city like Pine Bluff with extreme weather conditions and high property crime rate, homeowners are recommended to get the best they can when it comes to homeowners insurance. However, there are ways to save money while also getting the best insurance service. For starters, individuals can look for a private insurance company if they are in a government plan. This is especially for homes located in a high-risk area. There are so many steps that individuals can take in order to be able to purchase their homeowners insurance at a much lower price in the private market.

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