★ Est. 1998 · Agents Only · Auto, Renters & Commercial Auto
How AssuranceAmerica Works in Arkansas
A nonstandard auto carrier that prices your policy without ever looking at your credit score — which, in a state where credit is a live rating factor for nearly everyone else, is the whole story. Here's what it writes, who it's built for, what it doesn't do, and how we'll tell you when it isn't your answer.
Short Answer
Cribb Insurance Group is an independent AssuranceAmerica agency in Bentonville. AssuranceAmerica is a nonstandard auto insurer founded in 1998 that writes personal auto, renters, and commercial auto through independent agents only. Its defining feature is that it does not use a credit score to price your policy. We place it across Arkansas, Oklahoma, and Texas, and we quote it against 40+ other carriers so you can see where it actually wins.
Your credit score never enters the conversation.
Most carriers writing auto insurance in Arkansas use a credit-based insurance score as a rating factor. It is legal here, it is common, and it is one of the least understood reasons two neighbours with identical cars and identical driving records pay very different premiums.
AssuranceAmerica does not use one. The carrier states plainly that it never asks for your credit score, and prices instead on the parts of your risk you would expect it to price. For a household whose credit took a hit from something that had nothing to do with driving — a medical event, a divorce, a stretch out of work — that is not a marketing line. It is a materially different way of arriving at your number.
Credit is a live rating factor here
Arkansas permits credit-based insurance scoring, and the legislature wrote a consumer protection around it: under Ark. Code Ann. § 23-67-405, if your credit information has improved you may submit a written request compelling your insurer to re-rate the policy. That entitlement exists precisely because credit moves premiums.
We can work both sides of that
If credit is hurting you today, AssuranceAmerica sidesteps the factor entirely. If your credit has recovered since your current policy was written, the statute above is a lever we can pull on the carrier you already have. Two different tools, same goal — and knowing which one applies to you is the actual job.
The nonstandard market, explained without the euphemism.
AssuranceAmerica is a nonstandard auto carrier. That phrase gets used as though it were a polite insult. It isn't. It describes a segment of the market, not a judgement about a person, and the segment exists for a reason worth understanding.
What "nonstandard" actually means
Standard carriers price a fairly narrow band of risk. Step outside it — a couple of tickets, an at-fault accident, a lapse between policies, a short driving history, a thin file — and a standard carrier either declines the risk or surcharges it steeply. Nonstandard carriers are built to price that ground deliberately rather than treating it as an exception. The alternative, for a lot of drivers, is being uninsured.
It is very often a stage, not a destination
Violations age off. A lapse stops mattering once you have continuous coverage behind you. A new driver stops being a new driver. A great many drivers use a nonstandard carrier for a stretch and then qualify for a standard one again — and the expensive mistake is not noticing when that moment arrives, because nobody sends a letter telling you that you have become a better risk.
Getting legal today is sometimes the whole problem
AssuranceAmerica is built for speed — a quote in about a minute and a half, and coverage that can start the same day. When you need a card in your hand before you can register a vehicle, get to work, or satisfy a lender, the fastest adequate policy beats the perfect one you can't have until Thursday. Then we look at the rest of it properly, once you're covered.
Three lines, done narrowly and on purpose.
AssuranceAmerica is a focused carrier, not a multiline one. The book is short and we would rather show you the whole of it than imply breadth that isn't there.
Personal
- Personal auto
- Renters
Commercial
- Commercial auto
Not insurance
- Motor club (roadside membership)
What this carrier does not write — and why that's fine
There is no homeowners, no life, no umbrella, no farm, and no boat here. If you are used to carriers that want your whole household under one roof, the short book can read like a gap. It isn't one.
We are an independent agency with 40-plus markets, so your auto sitting with one carrier and your home with another is completely normal and costs you nothing structurally. The one thing worth knowing is that a multi-policy discount generally requires both policies at the same carrier — so when we split an account, we tell you what that trade looks like before you decide, not after.
Commercial auto for small operations
The commercial book is aimed squarely at small fleets and tradespeople — the contractor, painter, or landscaper whose vehicles are the business. Coverage runs the standard commercial auto grid: bodily injury and property damage liability, collision, comprehensive, and uninsured/underinsured motorist, with employees driving company-owned vehicles contemplated by the policy. Eligibility turns on the facts of your operation, so the fastest path is a short conversation. Start a commercial quote or call us.
Service in Spanish, not as an afterthought
AssuranceAmerica staffs Spanish-speaking service representatives as a standard part of its operation. Across Springdale, Rogers, and much of Northwest Arkansas that is a practical difference rather than a box on a brochure — it means a policyholder can handle a billing question or a claim in the language they actually think in, without a family member translating an insurance contract on speakerphone.
What the state actually requires of you.
Under Ark. Code Ann. § 27-22-104, every Arkansas driver must carry liability coverage of at least 25/50/25 — $25,000 for bodily injury to one person, $50,000 for bodily injury per accident, and $25,000 for property damage.
What that floor does and doesn't reach
Liability pays for the other party's injuries and property when you are at fault. It pays nothing toward your own vehicle or your own injuries. Damage to your car comes from collision; theft, hail, and a deer come from comprehensive; injuries to you and your passengers come from medical payments; and a driver who hits you with no coverage at all is the reason uninsured and underinsured motorist coverage exists.
Any lender on a financed or leased vehicle will require collision and comprehensive regardless of what the state says. The statutory minimum is a legal floor, not a coverage plan — and the gap between the two is the conversation worth having before you bind rather than after a loss.
The lines, in detail.
Each line gets its own page, with the Arkansas specifics and the parts the brochure leaves out. They publish one at a time — links go live as each page does.
Personal lines
Commercial lines
Cribby reads the fine print for you.
Cribby the Chameleon is our guide to reading a policy in plain English.
A chameleon notices what's actually there. On a nonstandard auto account that's usually the things nobody mentioned — the coverage you assumed was on there and isn't, the deductible you never chose, the vehicle that dropped off at the last renewal, and the moment your record has aged enough to put you back in a standard market. That's a coverage review, in chameleon form.
What we actually do when something happens.
Narrower than some agencies imply, and we'd rather be straight about it. We don't adjust your claim and we can't overrule an adjuster.
What we do instead
We tell you whether a claim is worth filing before you file it. We make sure the coverage that should respond gets identified and pointed at. We chase the file when it stalls and you can't get a call back. And we move you to another of our markets when this one stops fitting your account.
The last one matters most in this market
A nonstandard policy is usually a stage. The single most valuable thing an independent agency does for a driver in this segment is notice when they've outgrown it — and re-shop the account instead of letting it renew quietly at a nonstandard rate for another three years. Carriers do not volunteer that you have become a better risk. We watch for it.
Why there's no price range on this page.
Every other carrier page on this site carries our cross-market planning bands. This one deliberately doesn't, and the reason is worth stating rather than hiding.
Standard-market ranges would mislead you here
Our published planning ranges describe policies placed in the standard market. Nonstandard auto is priced on a different basis for a different risk profile, and printing a standard band on this page would set an expectation the quote wouldn't meet. We'd rather give you nothing than give you a number that's wrong for your situation.
What actually drives your premium here: your vehicles, your drivers and their records, the limits and deductibles you choose, where the vehicle is garaged, how long you've been continuously insured, and how recent any violations are. Two of those you can change, and the rest we work around. A real quote takes a few minutes and it's the only honest answer.
AssuranceAmerica in Arkansas: common questions.
What does Cribb Insurance Group place through AssuranceAmerica?
Does AssuranceAmerica use my credit score to set my rate?
What kind of driver is AssuranceAmerica built for?
What is the minimum car insurance required in Arkansas?
Can I get AssuranceAmerica coverage in Oklahoma or Texas as well as Arkansas?
How do I get an AssuranceAmerica quote in Bentonville or Rogers?
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AssuranceAmerica is one of 40+ carriers we represent.
Which means we can tell you honestly whether it's the right home for your account — or whether one of our other markets prices you better. Send the declarations page for whatever you're carrying and we'll read it back to you in plain English, including the deductibles. If what you have is already right, we'll tell you that too.
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, Oklahoma, Missouri, and Texas. We are not AssuranceAmerica, and this page is not endorsed, sponsored, reviewed, or approved by AssuranceAmerica. "AssuranceAmerica" is a trademark of AssuranceAmerica Corporation and its affiliates, used here nominatively to identify products we are appointed to place. Policies are issued by AssuranceAmerica-affiliated underwriting companies.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Coverage, discounts, program terms, product availability and eligibility vary by state, by policy, and over time, are set by the carrier, and are subject to underwriting approval and to the terms, conditions, limits, and exclusions of the policy actually issued. Eligibility for any risk is determined by the carrier on the facts of your vehicles or operation; this page makes no representation that any particular driver, vehicle, or business qualifies. If anything on this page conflicts with the issued policy, the policy controls.
Statements about how a carrier prices its policies describe that carrier's stated rating practices and are not a representation about your individual premium. References to Arkansas law are general information and not legal advice. Quote and coverage-start timing described on this page reflects the carrier's stated process and is not a guarantee.
Last reviewed August 2026.