Home›Carriers›Allstate Insurance

Appointed Carrier

Allstate in Arkansas, through an independent agency.

Most people meet Allstate through an agent who can only sell Allstate. Cribb Insurance Group holds an Allstate contract through Allstate's independent channel — which means we quote Allstate against 40+ other carriers, and we're able to tell you when one of them fits you better.

Personal Quote Compare My Coverage (479) 286-1066

Short Answer

Cribb Insurance Group is an independent insurance agency in Bentonville, Arkansas, appointed with Allstate through Allstate's independent agent channel and with 40+ other carriers. AM Best affirmed the members of Allstate Insurance Group at A+ (Superior) with a stable outlook on August 28, 2025. Because we're independent, we quote Allstate alongside our other markets rather than starting from the answer.

What we place

Eleven lines through our Allstate contract.

This is the actual list — not everything Allstate writes nationally, but what Cribb Insurance Group places through our Allstate-branded contract for Northwest Arkansas clients. Where it stops, we say so.

Vehicles & recreation

  • Auto
  • Motorcycle
  • ATV
  • Boat
  • RV

Home & property

  • Homeowners
  • Condo
  • Renters
  • Landlord
  • Mobile home

Liability

  • Personal umbrella

Arkansas is an at-fault state. Your limits cap what the insurance company pays — not what you owe. That gap is what an umbrella is for.

Where the Allstate contract stops

Commercial auto. Not through Allstate. That runs through our National General contract — a separate contract sitting on the same Allstate Insurance Group A+ paper. Different appointment, same balance sheet.

Other commercial lines. General liability, commercial property, workers' compensation, BOP — none of those come through Allstate or National General. We place them across our other commercial markets. Start a commercial quote and we'll tell you which one fits your operation.

Life insurance. Not through this contract. We write life through other markets — start here or call and we'll tell you which one.

Most agency carrier pages list every line the carrier writes anywhere and let you find out later what they can't actually place for you. This is the list we can place. If a line isn't on it, we have 40+ other markets and we'll say which one.
Meet Cribby

Allstate Cribby knows which questions to ask.

Cribby the Chameleon is our guide to reading a policy in plain English.

A chameleon adapts to where it is. That's the job — your coverage should fit your life, not a template. Allstate Cribby is here for the Allstate conversation specifically: what they write in Arkansas, where the policy stops, and how it lands against the other 40+ markets we can put it up against.

Get a Personal Quote Ask Cribby to Read My Policy
About the carrier

What the rating tells you, and what it doesn't.

A+ AM Best · Superior

AM Best affirmed a Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of aa- (Superior) for the members of Allstate Insurance Group on August 28, 2025, with a stable outlook.

The rating applies to Allstate Insurance Group, not to every Allstate affiliate — individual affiliates are rated separately and some are rated lower. Cribb does not place Arkansas business on affiliate paper. Ratings change; the current one is always at ambest.com.

A rating is a solvency opinion, not a claims opinion

This is worth being precise about, because the number gets used as if it means more than it does. AM Best states plainly that a Financial Strength Rating "does not address… an insurer's claims-payment policies or procedures; the ability of the insurer to dispute or deny claims payment" and is not a recommendation to buy or keep any policy.

So A+ tells you Allstate can pay. It does not tell you they will pay quickly, or pleasantly, or without an argument. Those are different questions with different sources, and anyone who hands you a letter grade as the answer to all of them is handing you a logo.

Why Allstate's rates moved — the honest version

Allstate had difficult underwriting and financial results in 2022 and 2023. The response was rate increases, tighter underwriting standards, and expense reductions. AM Best's August 2025 rationale records what followed: those measures materially improved margins in 2024 and through the first six months of 2025, risk-adjusted capitalization benefited from roughly 30% statutory surplus growth in 2024, and the reinsurance program was enhanced to reduce overall exposure.

AM Best also notes a favorable market position in private passenger auto and homeowners — the two lines most Northwest Arkansas households are actually buying.

That's the carrier-level story. It is not a prediction about your policy. Your renewal moves on your own driving record, your roof age, your vehicles, your claims history, and your credit-based insurance score where Arkansas permits its use under Ark. Code Ann. § 23-67-401.
Why go through us

An Allstate agent can only offer you Allstate.

We can tell you when the answer is no

That's the structural difference, and it isn't a slogan. A captive agent's only product is the one on their sign. We're appointed with 40+ carriers, so "this isn't the right market for you" is an answer we're able to give — and it costs us nothing to give it honestly.

Some things only show up across carriers

Which markets will write a fifteen-year-old roof. Who prices a teen driver reasonably. What underlying limits an umbrella actually requires. None of that is visible from inside one company, and no single carrier can show it to you.

The account is the unit, not the policy

Quote a policy and you get a price. Quote an account and you find the things that only appear when someone looks at all of it — the discount stack, the umbrella netting, the coverage doubled up in two places.

Local, and it matters more than it sounds

We're at 1601 SW Regional Airport Blvd in Bentonville. Hail corridor, an at-fault state, one uninsured driver in six, statutory minimums of 25/50/25 that were never set by what an injury costs. These are the conditions we write in every day.

FAQ

Allstate in Arkansas: common questions.

Does Cribb Insurance Group write Allstate in Arkansas?
Yes. Cribb Insurance Group holds an Allstate contract through Allstate's independent agent channel and places Allstate for Northwest Arkansas clients. Because we are appointed with 40+ carriers, we quote Allstate alongside our other markets rather than starting from the answer.
Isn't Allstate a captive company?
Most people meet Allstate through an Allstate-employed agent who can only offer Allstate. Allstate also distributes through independent agencies, and that is the channel Cribb Insurance Group is contracted under. The practical difference is that we can quote Allstate against 40+ other carriers in the same conversation, and tell you when one of them fits your risk better.
Is Allstate financially strong?
AM Best affirmed a Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of "aa-" (Superior) for the members of Allstate Insurance Group on August 28, 2025, with a stable outlook. The rating applies to Allstate Insurance Group rather than every Allstate affiliate; individual affiliates are rated separately. Ratings change, and the current rating is always at ambest.com.
Why did my Allstate rate go up?
Allstate had difficult underwriting results in 2022 and 2023 and responded with rate increases, tighter underwriting standards and expense reductions. AM Best noted those measures materially improved margins in 2024 and through the first half of 2025. That is industry-wide context, not a prediction about your policy. Your own rate also moves with your driving record, your roof, your vehicles, your claims history, and your credit-based insurance score where Arkansas permits its use under Ark. Code Ann. § 23-67-401.
Is Allstate cheaper than my current insurance?
There is no way to know without running it. Any page that tells you a carrier is cheapest is guessing. Rate depends on your vehicles, your roof age, your claims history, your coverage limits, your deductibles, your credit-based insurance score, and your location. What we can tell you is that we will quote Allstate against our other markets and show you where it lands, including when it lands badly.
Why use an independent agent instead of buying from Allstate directly?
Because an Allstate captive agent can only offer you Allstate. We can tell you when Allstate is not the right fit, and that answer costs us nothing to give honestly. There is also a category of thing that is only visible across carriers: which markets will write an older roof, who prices a teen driver reasonably, what underlying limits an umbrella actually requires. You cannot see any of that from inside one company.
How do I get an Allstate quote in Bentonville or Rogers?
Start at our personal lines quote form, the commercial quote form, or call (479) 286-1066. If you have current declarations pages, send them — reading what you already have is faster than answering questions about it, and it's how we find the things you're paying for twice.

⭐ Follow Cribb Insurance Group in Google

Add us as a preferred source and our Arkansas insurance coverage shows up more often in your Google results.

Add as Preferred Source

Send us what you have now.

Declarations pages for whatever you're carrying — auto, home, umbrella, wherever they're placed. We'll read them back to you in plain English, tell you where each one stops, and quote it across Allstate and 40+ other markets. If what you have is already good, we'll tell you that too.

Personal Quote Commercial Quote
📍 Cribb Insurance Group Inc
1601 SW Regional Airport Blvd, Bentonville, AR 72713 📞 (479) 286-1066 ✉️ service@cribbinsurance.com 🕘 Mon–Thu 9:00–5:00
Fri 9:00–4:00

Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. Allstate and the Allstate logo are trademarks of Allstate Insurance Company and its affiliates, used here nominatively to identify a carrier we represent. This page is authored independently by Cribb Insurance Group and is not written, reviewed, sponsored or endorsed by Allstate. Coverage descriptions are general summaries and are not a contract; whether a particular loss is covered depends on the specific facts and on the provisions, exclusions and limits of the actual policy. Coverages, limits, discounts and other features are subject to individuals meeting the carrier's underwriting qualifications and to state availability, and not all features are available in all states. Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations and are not recommendations to purchase, hold or terminate any policy, nor do they address an insurer's claims-handling practices. Statements about Arkansas law are general information, not legal advice. Only the issued policy determines actual terms and conditions of coverage. Nothing on this page is an offer of insurance or a guarantee of coverage or rate.