Real protection starts where the state minimum stops.
Arkansas makes you carry 25/50/25 in liability — enough to be legal, and almost nothing else. It pays for the other driver, never for you or your car. An Auto-Owners auto policy adds the coverage that actually protects your finances, plus the deductible features Auto-Owners is known for. Here's what goes on the policy, what the state requires, the features worth asking for by name, and the gaps a car policy quietly leaves. From an independent agency that places Auto-Owners every day.
The short answer
Arkansas law requires 25/50/25 liability — but that only pays the other driver. A real Auto-Owners auto policy adds uninsured/underinsured motorist, medical payments, collision, and comprehensive, then layers on the features Auto-Owners is known for: a deductible that shrinks over claim-free years and a shared home-and-auto deductible. It even lets you put the motorcycle, camper, classic car, and side-by-side on the same policy instead of buying separate ones. It's backed by an A+ (Superior) carrier, and because Auto-Owners sells only through independent agents, Cribb is how you buy it — quoted against 40+ other carriers.
The coverages that make a policy.
The first block is required or lender-driven; the rest are how you turn "legal" into "actually protected" when something goes wrong.
Liability
Pays for the other party's injuries and property when you're at fault. Arkansas mandates it at 25/50/25; carrying more is one of the cheapest ways to protect your savings and your home from a lawsuit.
Uninsured / underinsured motorist
Covers you when the at-fault driver has no insurance or not enough. Given how many drivers carry only the minimum, this is the coverage that quietly does the heavy lifting after a bad 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 gap before health insurance or a liability settlement kicks in.
Collision
Repairs or replaces your car after a crash, rollover, or hitting an object — regardless of fault — with a deductible you choose. Not required by the state, but required by any lender while you owe on the vehicle.
Comprehensive
Covers the non-collision losses — theft, vandalism, fire, hail, flood, and animal strikes — the things that happen while the car is parked as much as while it's moving. Lender-required on a financed vehicle.
Roadside & rental
Roadside assistance covers a tow, jump, flat, lockout, or fuel when you're stranded; rental reimbursement keeps you on the road while your car is in the shop. Both optional, both easy to add.
The deductible features worth asking for.
Most carriers sell the same five coverages. Auto-Owners' reputation is built on the layer around them — features that either save you money at a claim or close a gap you didn't know you had.
Two features that only pay off when your policies live together.
A deductible that shrinks over time. An optional feature lowers your collision and comprehensive deductible for every claim-free period, building credits up to a policy maximum — so a claim years from now costs you less out of pocket than it would today. Easy to add, easy to forget you have; a review is how it gets used.
One deductible when home and auto both take a hit. If your home and vehicles are both with Auto-Owners and a single event damages both — a tornado, a falling tree, hail — your auto deductible is reduced by your property deductible, or waived entirely if the auto one is smaller. It only works when both policies sit with the same carrier, which is one of the real reasons keeping the household together pays off.
New-vehicle protection
A new car loses value the moment you drive it off the lot. This protects your purchase price, rather than the depreciated value, if the vehicle is totaled early in its life.
Accident forgiveness
Keeps your rate from rising after a first at-fault accident, for drivers who've stayed clear of at-fault claims and violations over the prior three years. Ask whether your household qualifies.
Gap coverage
If a financed or leased car is totaled, gap covers the shortfall between what the vehicle is worth and what you still owe — so a bad wreck doesn't leave you paying for a car you no longer have.
You don't need all of them — you need the right two or three.
Which of these belong on your policy depends on how you actually drive, what you owe, and whether your home is with Auto-Owners too. That's a five-minute conversation, and sorting it out is exactly what an independent agent is for.
The minimum, and why it's not the goal.
Arkansas Code 27-22-104 sets the minimum at $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage. It keeps you legal — and that's all it does.
Meet the law, then cover the exposure.
Liability pays for the people and property you harm in an at-fault crash — nothing toward your own injuries or your own vehicle. And a single serious injury claim can run past $25,000 before anyone's had surgery, with the difference landing on you. That's why most drivers we work with carry higher liability limits and add uninsured/underinsured motorist coverage, since plenty of Arkansas drivers are carrying only the bare minimum, or nothing at all.
Two more Arkansas realities: medical payments coverage is optional here and worth considering, and if your vehicle is financed or leased, your lender will separately require collision and comprehensive regardless of what the state asks. This is general information, not legal advice.
One policy covers more than the family car.
Here's where Auto-Owners is genuinely different. Instead of a separate policy for every machine in the garage, several of them ride right on your auto policy — one policy, one bill, one renewal, and the multi-vehicle credits that come with keeping them together.
Motorcycles & mopeds
Street bikes, cruisers, and mopeds go on the same Auto-Owners auto policy rather than a separate motorcycle policy — with the gear and liability coverage a rider actually needs.
Classic & collector cars
The weekend project or the show car can sit alongside your daily drivers — Auto-Owners writes classics on the auto policy, with coverage suited to a vehicle you drive differently than a commuter.
Motorhomes & RVs
Class A, B, and C motorhomes go on the auto policy too — so the vehicle you road-trip in sits with the same carrier that handles the rest of the driveway.
Travel trailers
Bumper-pull and fifth-wheel travel trailers can be listed on the auto policy as well — a common gap for families who tow, and an easy one to close before the next trip.
ATVs & side-by-sides
Four-wheelers and UTVs go on the auto policy instead of a standalone off-road policy — real coverage for machines a homeowners contents sublimit was never built to pay for.
Rideshare & delivery
Driving for Uber, Lyft, or a delivery app like Uber Eats can be added to your Auto-Owners auto policy with underwriting approval — closing the gap a standard personal policy leaves the moment the app switches on.
One policy is simpler — and it isn't automatic.
Putting the motorcycle, the camper, or the side-by-side on one Auto-Owners policy means a single renewal and the credits that come with keeping vehicles together. Rideshare and delivery use in particular need underwriting approval, and every vehicle is still subject to the carrier's eligibility — so tell us what's in the garage and we'll get it added correctly, rather than have it discovered at a claim.
What still isn't on the auto policy.
Even with a policy this broad, a few things people assume ride along actually don't — and knowing where the line is beats finding it at a claim.
Belongings inside the vehicle
Comprehensive covers the vehicle, not the laptop, tools, or golf clubs inside it — that's a homeowners or renters claim. One event, two policies, two different answers.
Wear & mechanical breakdown
Insurance pays for sudden accidental damage, not a worn transmission, bald tires, or a dying battery. Those are the costs of owning the vehicle, not covered losses.
A vehicle titled to a business
App-based rideshare and delivery can go on your personal policy with approval — but a vehicle titled to a business, or one hauling loads for hire, crosses into commercial auto. If the vehicle is really working, it needs a commercial policy.
The auto policy connects to the whole household.
Home and auto were built to work together.
Auto-Owners' best features — the shared home-and-auto deductible and the multi-policy discount — only exist when both policies sit with the same carrier. Keep the car off on its own and you leave those on the table. When one agency holds the household, the deductibles, the discounts, and the coverage that has to line up between the car, the home, and the umbrella all get set to agree with each other.
Three things to get right on your auto policy.
First, go above 25/50/25 and carry uninsured/underinsured motorist — the state minimum is nowhere near the exposure of a real crash. Second, add the deductible features if you qualify, so a future claim costs you less. Third, keep home and auto together to unlock the shared deductible and the discount — then review it once a year, because the right answer changes as your cars and drivers do.
Backed by an A+ (Superior) carrier.
AM Best rates the members of Auto-Owners Insurance Group — the companies behind your Arkansas auto policy — with a Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of "aa" (Superior), stable outlook, per its rating action dated October 31, 2024. A+ (Superior) is the second-highest of AM Best's rating levels and sits in its top "Superior" category. A financial strength rating is an opinion about an insurer's ability to pay claims — its solvency — not a grade of how a specific claim is handled, and not a recommendation. The current rating is at ambest.com.
Where we earn it on your auto policy.
The quiet auto mistakes are the state-minimum limit on real exposure, no uninsured-motorist coverage, the deductible features nobody added, and the motorcycle or camper that never got listed on the policy at all. We size the liability and add an umbrella where it fits, include UM/UIM, turn on the deductible features you qualify for, and make sure the bikes, campers, and side-by-sides that belong on your Auto-Owners policy actually get added. We don't adjust your claim and can't overrule an adjuster — but we make sure the policy was built to respond, and we'll move you to another of our 40-plus markets if Auto-Owners stops being the best fit for your vehicles.
Driven by the drivers and the vehicles.
A typical range for full-coverage auto policies placed through Cribb Insurance Group across our markets — a planning figure, not a quote, not carrier-specific, and not a guarantee. Your rate turns on the vehicles you drive and their safety and theft profile, the drivers in the household and their history, the coverages and liability limits you choose, your deductibles, where the car is garaged, annual mileage, and — where Arkansas allows it — a credit-based insurance score. Some households fall below this band and some fall well above it. Send your current declarations page and we'll build the real figure with you, Auto-Owners against 40-plus carriers.
Auto is one line of a broad book.
Auto-Owners car insurance questions.
What car insurance is required in Arkansas?
Arkansas requires every driver to carry at least 25/50/25 in liability coverage: $25,000 for bodily injury to one person, $50,000 for bodily injury per accident, and $25,000 for property damage, under Arkansas Code 27-22-104. That is the legal minimum, not a recommendation — it only pays for the other party's injuries and property when you're at fault, and nothing for your own car or injuries.
Most drivers carry higher liability limits and add uninsured/underinsured motorist coverage, and anyone with a financed or leased vehicle will be required by the lender to carry collision and comprehensive. We walk you through where the minimum leaves you exposed before you decide. This is general information, not legal advice.
What does an Auto-Owners auto policy cover?
The core of the policy is the standard set: liability for bodily injury and property damage, uninsured and underinsured motorist, medical payments, collision, and comprehensive. From there, Auto-Owners is known for a deep bench of optional features — roadside assistance, rental reimbursement, gap coverage on a loan or lease, new-vehicle purchase-price protection, accident forgiveness, rideshare coverage, diminished-value coverage, and a diminishing deductible that shrinks over claim-free periods.
Which of those actually belong on your policy depends on your vehicles and how you drive, which is the conversation we have when we quote it.
Does a diminishing deductible really lower what I pay at a claim?
Yes. It's an optional feature that reduces your collision and comprehensive deductible over time as long as drivers stay accident-free. Credits build at each renewal up to a policy maximum, so a claim years down the road comes with a lower out-of-pocket deductible than you started with.
It's the kind of feature that's easy to add and easy to forget you have, which is exactly why an annual review is worth it.
If a storm damages both my house and my car, do I pay two deductibles?
Not necessarily — this is one of Auto-Owners' signature bundling features. If your home and your vehicles are both insured with Auto-Owners and a single event such as a tornado, a falling tree, or hail damages both, your auto deductible is reduced by the amount of your property deductible, or waived entirely if the auto deductible is the smaller of the two.
It only works when both policies sit with the same carrier, which is one of the practical reasons keeping the household together can pay off. We tell you whether it makes sense for your account.
Can I put my motorcycle, RV, or ATV on my Auto-Owners auto policy?
Yes — and this is where Auto-Owners stands apart. Rather than selling a separate policy for each, Auto-Owners lets you list motorcycles, mopeds, classic and collector cars, motorhomes and RVs, travel trailers, and ATVs and side-by-sides on the same auto policy, subject to underwriting. That means one policy, one renewal, and the multi-vehicle credits that come with keeping them together.
Boats and other watercraft are handled separately. For everything else in the garage, tell us what you've got and we'll make sure each one is added to the policy correctly rather than left uncovered.
Does Auto-Owners cover rideshare or delivery driving?
Yes, with underwriting approval. A standard personal auto policy generally stops covering you the moment you switch on a rideshare or delivery app like Uber, Lyft, or Uber Eats. Auto-Owners can add rideshare and delivery coverage to your personal auto policy once underwriting signs off, which closes that gap without pushing you to a separate commercial policy.
If you drive for an app at all — even occasionally — tell us. It's a quick addition to make and an expensive one to skip, because a claim while the app is on can otherwise be denied.
How do I get an Auto-Owners auto quote in Bentonville or Rogers?
Start at our personal lines quote form or call (479) 286-1066. The fastest path is to send your current declarations page — reading what you already have is quicker than answering questions about it, and it's how we catch the gaps, the coverage you're paying for twice, and whether Auto-Owners is actually your best fit against our 40-plus other carriers.
Because Auto-Owners only sells through independent agents, an agency like ours is the only way to buy it anyway.
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.
Auto-Owners is one of 40+ carriers we represent.
Which means we can tell you honestly whether Auto-Owners is the right home for your vehicles — or whether one of our other markets fits 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. We are not Auto-Owners, and this page is not endorsed, sponsored, reviewed, or approved by Auto-Owners. "Auto-Owners" and "Auto-Owners Insurance" are service marks or trademarks of Auto-Owners Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Auto-Owners' Arkansas auto policies are issued by Auto-Owners-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/underinsured motorist, medical payments, collision, comprehensive, roadside assistance, rental reimbursement, gap, new-vehicle protection, accident forgiveness, rideshare coverage, diminished value, the diminishing deductible, the common loss deductible, 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 feature is available on every policy. The ability to list a motorcycle, moped, classic or collector car, motorhome, travel trailer, or ATV on the auto policy, and the availability of rideshare or delivery coverage, is subject to the carrier's underwriting approval and eligibility and may not be available for every vehicle or driver; boats and other watercraft are handled separately.
Statements about Arkansas requirements — including that drivers must carry liability at the state minimum of 25/50/25 under Arkansas Code 27-22-104, that medical payments coverage is optional, and that lenders require collision and comprehensive on financed or leased vehicles — 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.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. The A+ (Superior) rating referenced applies to the members of Auto-Owners Insurance Group. Cost figures reflect policies placed through Cribb Insurance Group across our markets, are a planning range rather than a quote, and are not carrier-specific and not a guarantee of your rate.
Last reviewed July 2026.