Car Insurance Coverage Shopped Widely, Priced Honestly, and Written Locally.
Cribb Insurance Group is an independent car insurance agency in Bentonville, Arkansas. We compare car insurance quotes from multiple A-rated carriers for Northwest Arkansas drivers — liability, full coverage, teen drivers, senior drivers, multi-car households, classic cars, and rideshare coverage.
We compare car coverage across carriers so you do not have to guess.
Arkansas requires 25/50/25 liability, but minimum coverage is often not enough after a serious crash. Cribb Insurance Group helps you compare the right liability limits, uninsured and underinsured motorist coverage, comprehensive, collision, deductibles, gap coverage, rental reimbursement, roadside assistance, and available discounts.
Car Insurance Coverages and options.
Car Insurance
Coverage for personal vehicles, household drivers, liability, collision, comprehensive, and uninsured motorist protection.
- Multiple A-rated carrier options
- Local review of limits and deductibles
- Car Insurance →
Liability Insurance
Pays for injuries and property damage you cause to others. Arkansas requires 25/50/25, but many families need more.
- Required for every Arkansas driver
- 100/300/100 often recommended
- Review liability options →
Full Coverage Auto
Combines liability with collision and comprehensive coverage for financed, leased, newer, or higher-value vehicles.
- Collision for crash damage
- Comprehensive for hail, theft, fire, and animal strikes
- Compare full coverage →
Teen Driver Insurance
Helps families add young drivers with good-student, driver training, telematics, and assigned-vehicle strategies.
- Good-student and driver education discounts
- Household liability review
Umbrella Insurance
Adds extra liability above car and home limits, especially valuable for teen drivers, major accidents, and asset protection.
- $1M to $5M+ options
- Pairs well with higher car liability limits
Home + Car Bundle
Bundling homeowners and auto can lower premiums and simplify service, billing, and renewals.
- Bundle discounts often make the biggest difference
- Homeowners Insurance →
- Renters Insurance →
The state minimum is 25/50/25 — but that is usually only the starting point.
$25,000
Bodily Injury Liability Per Person
- Maximum paid for injuries to one person you injure in an accident
- Covers medical bills, lost wages, legal expenses, and settlements
- If injuries exceed $25,000, you may be personally responsible for the difference
Example: If another driver’s medical bills total $40,000, your policy only pays the first $25,000.
$50,000
Bodily Injury Liability Per Accident
- Total maximum paid for all injured people in one accident
- Shared across everyone injured in the crash
- Serious multi-person accidents can exceed this limit very quickly
Example: If three people are injured with combined medical costs of $120,000, your policy only pays up to $50,000 total.
$25,000
Property Damage Liability
- Pays for damage you cause to another vehicle or property
- Can include cars, fences, buildings, signs, guardrails, or utility poles
- Modern vehicles can easily exceed this limit after a major collision
Example: If you total a $65,000 SUV, your policy only pays the first $25,000 unless you carry higher limits.
Most families should consider 100/300/100 liability plus uninsured/underinsured motorist coverage because Arkansas minimum limits can be exhausted quickly in a serious accident.
Typical Arkansas car insurance ranges.
Planning ranges only. Your final premium depends on drivers, vehicles, credit, claims, ZIP code, limits, deductibles, and carrier appetite. The Cribb Insurance Carriers column shows the same planning ranges reduced by 30% to reflect stronger carrier-market pricing.
| Coverage Type | Typical AR Range | vs Cribb Insurance Carriers | Notes |
|---|---|---|---|
| State-minimum liability — 25/50/25 | $30 – $45 / mo | $21 – $32 / mo | Legal minimum only. Usually not enough in a serious crash. |
| Standard liability — 100/300/100 | $45 – $83 / mo | $32 – $58 / mo | Recommended baseline for many Arkansas drivers. |
| Full coverage | $113 – $150 / mo | $79 – $105 / mo | Liability plus collision and comprehensive. Required for financed and leased vehicles. |
| Full coverage + teen driver | $210 – $338 / mo | $147 – $237 / mo | Good-student, driver training, telematics, and vehicle assignment can help. |
| Personal umbrella — $1M | $13 – $26 / mo | $9 – $18 / mo | High-value extra liability protection above car and home limits. |
| Rideshare endorsement | $8 – $19 / mo | $6 – $13 / mo | Important for Uber, Lyft, DoorDash, Instacart, and delivery drivers. |
| Classic car — agreed value | $11 – $38 / mo | $8 – $27 / mo | Often less than standard car for limited-use collector vehicles. |
Final premium is always individual and depends on driver, vehicle, coverage, deductible, discount, and underwriting details.
Independent agency vs. captive agent vs. online quote.
| Comparison Point | Independent Agency — Cribb Insurance Group | Captive Agent | Direct / Online Quote |
|---|---|---|---|
| Carrier choice | Multiple A-rated carriers reviewed side by side. | One company’s products and pricing. | Usually one platform or a limited carrier panel. |
| Car coverage advice | Local guidance on liability, UM/UIM, deductibles, full coverage, gap, and endorsements. | Advice is limited to that carrier’s available options. | Fast checkout, but important coverage gaps are easier to miss. |
| Renewal support | Policy can be reviewed and reshopped when rates change. | Limited alternatives if that single company increases rates. | You usually have to monitor and reshop renewals yourself. |
| Claims help | A local advocate can help guide the claim process. | Carrier-specific claim support. | Often handled through a call center or app workflow. |
| Best fit | Drivers who want choice, local service, and long-term coverage review. | Drivers who already know they want one specific company. | Simple shoppers who prioritize speed over personal advice. |
Four simple steps. No pressure. No insurance jargon.
Discover
We review vehicles, drivers, mileage, current limits, deductibles, claims, and coverage gaps.
Compare
We shop a consistent car coverage spec with multiple carriers so options are easy to compare.
Bind
You choose the best fit. We handle ID cards, proof of insurance, lenders, and policy setup.
Review
At renewal, we check rate movement, discount changes, and whether another carrier is a better fit.
See what clients say about Cribb Insurance Group.
Questions Arkansas drivers ask most.
What is the minimum car insurance required in Arkansas?
Arkansas requires liability insurance of at least 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability.
Do I need full coverage in Arkansas?
Full coverage is not legally required, but it is required by car loans and leases. It is also usually worth considering for newer or higher-value paid-off vehicles.
Does car insurance cover hail damage?
Yes, hail damage is covered under comprehensive coverage, subject to your comprehensive deductible.
How can I lower my car premium?
Bundle home and car, review deductibles, ask about good driver and good student discounts, use telematics where appropriate, and compare carriers at renewal.
Does my policy cover Uber, Lyft, or DoorDash?
Standard personal car policies usually exclude rideshare and delivery activity. You may need a rideshare endorsement or commercial car coverage.
Ready for a car insurance quote that actually compares the market?
Send your current declarations page or start a quick quote. We’ll compare options and explain the coverage before you make a decision.