Priced on your driving, not on your credit.
Most carriers writing auto insurance in Arkansas run a credit-based insurance score, and it moves premiums more than almost anything else people don't know about. AssuranceAmerica doesn't use one. Here's what goes on the policy, what Arkansas requires of you, how a nonstandard carrier actually works, and when it's the right call — from an independent agency that will tell you when it isn't.
The short answer
Arkansas requires 25/50/25 liability — enough to be legal, and it only pays the other driver. An AssuranceAmerica auto policy carries the standard set: liability, uninsured and underinsured motorist, medical payments, collision, and comprehensive. What makes it different is the pricing — no credit-based insurance score is used at all, which matters in a state where nearly every other carrier uses one. It's a nonstandard carrier, built for drivers the standard market declines or surcharges, and it's often a stage rather than a destination. We place it across Arkansas, Oklahoma, and Texas and quote it against 40+ carriers.
The coverages that make a policy.
The first is what Arkansas requires. The rest are how a policy stops being a legal formality and starts being financial protection.
Liability
Bodily injury and property damage liability pay for the other party when you're at fault. Arkansas sets the floor at 25/50/25 under Ark. Code Ann. § 27-22-104. This is the coverage that keeps you legal, and it does nothing for your own car or your own injuries.
Uninsured / underinsured motorist
Responds when the driver who hits you has no coverage, or has the state minimum and your injuries cost more than that. In a market where a great many drivers carry exactly the minimum and some carry nothing, this is the coverage that does the heavy lifting after a serious wreck.
Medical payments
Pays medical bills for you and your passengers after a crash no matter who caused it. Optional in Arkansas. It fills the window before health insurance responds or a liability settlement arrives, which is exactly when bills start showing up.
Collision
Pays to repair or replace your own vehicle after a crash, whoever was at fault, less your deductible. Not required by the state, always required by a lender on a financed or leased car.
Comprehensive
Theft, fire, vandalism, falling limbs, hail, and the deer that steps out on a county road at dusk. In Northwest Arkansas the hail and the deer are the two that actually get used.
Personal injury protection
Broader than medical payments in what it can reach, covering certain medical and related costs for you and your passengers regardless of fault. Availability and terms are set by the carrier and vary — worth asking about rather than assuming.
Liability and collision are not the same promise. This is the single most common misunderstanding we correct. Liability-only means that if you cause a wreck, the other car gets fixed and yours does not. People carrying the state minimum are often genuinely surprised by that after a loss — so it's worth being clear about before you buy, not after.
The credit factor, and why removing it matters.
This is the reason this carrier is on our shelf, so it's worth explaining properly rather than making a slogan of it.
Arkansas permits credit-based insurance scoring, and most carriers writing auto here use one. It is not your lending credit score — it's a separate model built from credit-file data and correlated with claims experience — but it moves off the same information, and it can move a premium substantially.
The result is that two drivers with the same vehicle, the same address, and the same clean record can be quoted very differently. Most people never learn this is happening. AssuranceAmerica removes the variable entirely by not using a score at all.
The honest version: this does not automatically mean a lower premium for you. It means your premium is built on a different basis. If your credit is strong, a carrier that uses credit may well beat it. If your credit took a hit from something with nothing to do with driving — a medical event, a divorce, a stretch out of work — this is the kind of carrier that stops penalizing you for it. Which of those you are is a quote, not a webpage.
If your credit has improved, Arkansas gives you a lever on your current carrier. Under Ark. Code Ann. § 23-67-405, a consumer may submit a written request requiring the insurer to re-rate the policy using current credit information. That applies to the carriers that use credit, not to this one — but it's a live entitlement most people have never been told about, and it's worth pulling before you assume switching is the only option. This is general information, not legal advice.
What the state requires, precisely.
Every Arkansas driver must carry liability of at least $25,000 for bodily injury to one person, $50,000 for bodily injury per accident, and $25,000 for property damage.
That is a floor set by the legislature, not a coverage plan and not advice about what belongs on your policy. Arkansas also runs electronic verification of coverage, so a lapse is visible to the state rather than something that goes unnoticed until a traffic stop. This is general information, not legal advice — confirm specifics with the Arkansas Insurance Department.
Nonstandard, without the euphemism.
The word gets used as a polite insult. It describes a segment of the market, not a verdict on a person, and knowing how it works is worth real money to you.
Why drivers land here
A couple of tickets. An at-fault accident. A gap between policies. A driver who's only been licensed a year. A thin credit file. Standard carriers price a fairly narrow band of risk and either decline or surcharge steeply outside it.
Why the segment exists
Because the alternative for a lot of households is driving uninsured — which is illegal, and financially catastrophic after a loss. A nonstandard carrier prices that ground deliberately so people can be covered and legal.
It's usually a stage
Violations age off. A lapse stops counting once continuous coverage sits behind it. A new driver stops being new. Most drivers in this segment qualify for a standard market again within a few years.
Nobody sends you a letter when you become a better risk. That's the expensive part. A policy that made complete sense three years ago keeps renewing quietly at a nonstandard rate long after the record that put you there has cleared. We re-shop the account as it ages and move you when a standard market opens up — which is the one thing that's structurally impossible if you buy direct from a single company.
Sometimes today is the whole requirement.
AssuranceAmerica is built for speed — the carrier describes a quote taking roughly ninety seconds, with coverage able to start the same day, subject to underwriting. That's the carrier's stated process rather than a guarantee, but the practical point stands: when you need proof of insurance before you can register a vehicle, satisfy a lender, or get to work tomorrow, the fastest adequate policy beats the perfect one you can't have until next week. We get you covered, then go back and look at the account properly.
Service in Spanish, as standard. AssuranceAmerica staffs Spanish-speaking representatives as a normal part of its operation. Across Springdale, Rogers, and much of Northwest Arkansas that's a practical difference rather than a line on a brochure — it means a billing question or a claim gets handled in the language you actually think in, instead of a family member translating an insurance contract on speakerphone.
The gaps worth knowing before you bind.
Every auto policy has edges. These are the ones people find out about at the worst possible moment.
Your belongings in the car
An auto policy covers the vehicle, not the laptop, tools, or car seat inside it. Personal property in a stolen car is a renters or homeowners claim, which is one practical reason a renters policy is worth having alongside this one.
Driving for an app
A personal auto policy generally stops responding the moment you switch on a rideshare or delivery app. If you drive for one at all, say so up front — a claim made while the app was on can otherwise be denied outright.
Using the car for business
Hauling tools, making deliveries, or carrying anything for a business you run can put a loss outside a personal policy. That's what commercial auto is for, and the line between the two is not always where people assume it is.
Wear, mechanical failure, and rust
No auto policy pays for a worn transmission, a dead battery, or corrosion. Those are maintenance, not sudden accidental loss, and no coverage on any carrier's form reaches them.
Why there's no price range on this page.
Our other carrier pages publish cross-market planning ranges. This one deliberately doesn't. Those bands describe policies placed in the standard market, and nonstandard auto is priced on a different basis for a different risk profile — printing a standard range here would set an expectation the quote wouldn't meet. What actually drives your premium: the vehicles and their theft and safety profile, the drivers in the household and how recent anything on their records is, the coverages and deductibles you choose, where the car is garaged, annual mileage, and how long you've been continuously insured. Two of those you can change. Send your current declarations page and we'll build the real figure with you, this carrier against 40-plus others.
Auto is the core of a short book.
AssuranceAmerica car insurance questions.
What car insurance is required in Arkansas?
Arkansas requires every driver to carry at least 25/50/25 in liability coverage under Ark. Code Ann. § 27-22-104: $25,000 for bodily injury to one person, $50,000 for bodily injury per accident, and $25,000 for property damage. That is the legal minimum. It pays only for the other party's injuries and property when you are at fault, and nothing toward your own vehicle or your own injuries.
Collision and comprehensive are separate coverages, and any lender on a financed or leased vehicle will require both regardless of what the state says. This is general information, not legal advice.
Does AssuranceAmerica really not check my credit?
That is the carrier's stated practice — it does not ask for or use a credit score when pricing a policy. It is worth understanding why that matters here. Arkansas permits credit-based insurance scoring, and for most carriers writing in this state a credit-based insurance score is a real rating factor. Two drivers with the same car and the same record can be quoted very differently because of it.
A carrier that does not use the factor at all removes that variable from your quote. It does not automatically make the policy cheaper for you — it makes it priced on a different basis, which is a different claim and the honest one.
What does an AssuranceAmerica auto policy cover?
The standard personal auto set: bodily injury and property damage liability, uninsured and underinsured motorist, medical payments, collision, and comprehensive, with personal injury protection available. Liability is what Arkansas requires. Collision pays for damage to your own vehicle in a crash, comprehensive covers theft, hail, fire, and animal strikes, medical payments covers injuries to you and your passengers regardless of fault, and uninsured motorist responds when the driver who hit you has no coverage or not enough.
Which of these belong on your policy depends on the vehicle, whether there is a loan on it, and what you can absorb out of pocket.
Why would I use a nonstandard carrier instead of a standard one?
Usually because the standard market has priced you out or declined you. Tickets, an at-fault accident, a lapse between policies, a short driving history, or a thin credit file will all do it. A nonstandard carrier is built to price that ground deliberately rather than treating it as an exception, which is why the segment exists at all — the alternative for a lot of drivers is being uninsured, which is both illegal and far more expensive after a loss.
It is very often a stage rather than a destination. Violations age off, a lapse stops counting once you have continuous coverage behind you, and a new driver stops being new.
How fast can I actually get covered?
AssuranceAmerica is built for speed and describes a quote taking roughly ninety seconds with coverage able to start the same day, subject to underwriting. That matters more than it sounds when you need proof of insurance before you can register a vehicle, satisfy a lender, or get to work tomorrow.
Timing reflects the carrier's stated process rather than a guarantee, and the fastest adequate policy is often better than the perfect one you cannot have until next week. Once you are covered and legal, we go back and look at the rest of the account properly.
Will you move me to a better carrier when my record improves?
Yes, and it is the main reason to buy a nonstandard policy through an independent agency rather than direct. Carriers do not send a letter telling you that you have become a better risk. Violations age off your record quietly, and a policy that made sense three years ago can keep renewing at a nonstandard rate long after you would qualify for a standard market.
We re-shop the account as the record ages and move you when a better fit opens up, across 40-plus carriers. That is the part that is structurally impossible if you buy direct from a single company.
How do I get an AssuranceAmerica car insurance quote in Bentonville or Rogers?
Start at our personal lines quote form or call (479) 286-1066. If you have a current declarations page, send it — reading what you already carry is faster than answering questions about it, and it is how we spot the coverage you are missing and the coverage you are paying for twice.
We are licensed in Arkansas, Oklahoma, Missouri, and Texas, and our AssuranceAmerica appointment covers Arkansas, Oklahoma, and Texas, so tell us where the vehicle is actually garaged. We quote it against 40-plus other carriers before telling you whether this is your best option.
If our coverage explainers are useful, mark Cribb Insurance as a preferred source so more Northwest Arkansas drivers can find our local, plain-English guides.
AssuranceAmerica is one of 40+ carriers we represent.
Which means we can tell you honestly whether it's the right home for your vehicles — or whether one of our other markets prices you better. Send the declarations page for whatever you're driving now and we'll read it back to you in plain English — limits, deductibles, and the gaps. If what you have is already right, we'll tell you that too.
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 auto coverage in general, industry-standard 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. Liability, uninsured and underinsured motorist, medical payments, collision, comprehensive, personal injury protection, limits, deductibles, endorsements, and exclusions are optional or conditional, are set by the carrier, vary by state and by policy and over time, are subject to the carrier's underwriting approval and eligibility, and apply only as written in the policy actually issued to you. Not every coverage or feature is available on every policy or in every state.
Statements about how this carrier prices its policies describe the carrier's stated rating practices and are not a representation about your individual premium or a claim that your premium will be lower than any other carrier's. Quote timing and same-day coverage availability reflect the carrier's stated process, are subject to underwriting approval, and are not guaranteed.
Statements about Arkansas requirements — including the 25/50/25 liability minimum under Ark. Code Ann. § 27-22-104, that medical payments coverage is optional, that lenders require collision and comprehensive on financed or leased vehicles, and the written-request re-rate entitlement under Ark. Code Ann. § 23-67-405 — are general information, not legal advice, are simplified, and are subject to change. Requirements depend on your specific circumstances; confirm them with the Arkansas Insurance Department or a qualified professional.
Last reviewed August 2026.