★ Auto Program · Five Vehicle Types, One Policy
How Farmers Union Works in Arkansas.
Most households end up with four policies for five vehicles — the cars here, the motorcycle there, the camper somewhere else, the side-by-side nobody remembered to insure at all. This program puts them on one. Here's what the policy can actually carry, who really underwrites it, why it is not the Farmers you are thinking of, and what happened to the home coverage some of you used to have here.
Short Answer
Cribb Insurance Group is an independent agency in Bentonville, and we place the Farmers Union auto program. The distinctive thing about it is structural: cars, motorcycles, travel trailers, UTVs and motorhomes can sit on one auto policy instead of four. It is underwritten by National Farmers Union Property and Casualty Company on National General paper, and National General is part of Allstate — a program name, an underwriting company and a corporate parent, which are three different things. Two clarifications up front: this is not Farmers Insurance, the national company most people picture, and the home, renters and umbrella coverage that Arkansas households once had under a Farmers Union name came from a separate company and is no longer available. The honest read: the single-policy structure is a genuine convenience most carriers don't offer — so the useful question isn't whether the program is good, it's whether your particular vehicles fit it.
Who is actually behind this policy.
We would rather spend the first section on housekeeping than have you sign something believing it came from a company it did not. The word "Farmers" is doing an enormous amount of work in this market, attached to businesses that have nothing to do with each other, and one of them advertises on television.
The Farmers Union auto program
Underwritten by National Farmers Union Property and Casualty Company, written on National General paper, and reaching you through an appointed independent agency. National General is part of The Allstate Corporation. The program has a long-standing relationship with the National Farmers Union, the farm membership organization the name comes from.
Farmers Insurance Group
A large national carrier with its own captive agent force, entirely unrelated to this program. This is the one most people are picturing. Separately, Farmers Union Mutual was an Arkansas company that wrote a home book here; that is a different business again, and it is covered below.
Where a Farmers Union policy earns its keep.
The coverages on an auto policy look broadly like everyone else's. What is different here is the shape of the policy itself.
Five kinds of vehicle, one policy
This is the reason to look at the program. A single auto policy can carry your cars, your motorcycle, your travel trailer, your UTV and your motorhome — together. At most carriers those are four separate contracts: an auto policy, a motorcycle policy, a recreational vehicle policy and an off-road policy, each with its own renewal date, its own bill, its own deductibles and its own set of limits to keep track of. Households rarely keep all four aligned, and the one that drifts is usually the one nobody thinks about until it matters.
Consolidating them is a real administrative gain and it makes the coverage far easier to actually review, which is the part that tends to pay off. It also has structural consequences worth understanding before you do it — those are set out below rather than buried.
The toy that usually goes uninsured
In practice the vehicle this catches most often is the side-by-side. UTVs get bought at the end of a good year, live on a trailer or behind the shop, and never make it onto a policy because arranging a standalone off-road policy for something used a dozen weekends a year feels like more trouble than it is worth. When it can go on the auto policy you already have, that friction disappears. Whether a particular machine is eligible is an underwriting question and we will check it — but it is worth asking rather than assuming, which is what most people do.
It reaches you through an agency
The policy is placed and serviced through an appointed independent agency, which means the agency is not an optional layer between you and the carrier — it is the whole service relationship. Your changes, your documents, your renewal review and your claim questions run through that office. That is an advantage when the office is good at it, and it is a fair thing to interrogate before you commit.
One policy, five kinds of vehicle.
What the Farmers Union auto program can carry for Arkansas households, and what has to sit somewhere else.
On the policy
The coverages
- Liability, Arkansas floor (25/50/25)
- Uninsured and underinsured motorist
- Collision and comprehensive
- Medical payments
Not here — goes elsewhere
- Homeowners (no longer available)
- Renters (no longer available)
- Personal umbrella (no longer available)
- All personal insurance
If you used to have your home here, read this.
Some Arkansas households carried homeowners, renters and umbrella coverage under a Farmers Union name. That came from Farmers Union Mutual, a separate Arkansas company, and that book is no longer available. It was never part of the auto program, and the auto program cannot replace it.
We are telling you plainly rather than letting you find out at renewal. In practice it changes less than it sounds like, because this is exactly what an independent agency is for: your auto can sit with this program while your home, your renters coverage and your umbrella sit with whichever of our other markets underwrites your roof, your protection class and your claims history best. One agency, one conversation, the right carrier for each job.
If you are looking at older material anywhere online showing a Farmers Union home product, treat what we tell you as current. We are the ones who would have to place it.
One policy is genuinely simpler. Here is the part nobody explains.
Combining five vehicle types onto one contract is a real convenience, and we would not raise it if the trade-offs were hidden. They are not hidden, they are just never mentioned, so here they are.
Limits are shared, not multiplied. A liability limit sitting on one policy is the limit for what happens on it — whether the vehicle involved was the truck, the motorcycle or the side-by-side. That is not a flaw in the design; it is simply what one policy means. What it does mean is that a limit chosen years ago for a commuter car is now also the limit standing behind a motorhome and a machine your teenager drives. It is worth choosing deliberately rather than inheriting.
Loss history is shared too. A claim on one vehicle sits on the policy that carries all of them. Across five vehicles that is more surface area than most households picture when they consolidate, and it is a reason to think carefully about whether every small claim is worth reporting.
One renewal is the upside. Four policies drifting apart is how a household ends up with a camper insured at limits nobody has looked at since it was bought. One renewal date means one annual review, and one review that actually happens beats four that do not.
And the umbrella has to attach to something. If a household carries liability limits above the underlying policies, those limits sit on top of specific policies with specific minimum requirements. Consolidating vehicles changes what is underneath. Since the umbrella here is no longer available and would come from another market, that connection needs to be checked by somebody looking at both — which is the whole argument for keeping them in one agency.
None of this is a reason not to combine. It is a reason to set the limits on purpose when you do. Send us what is in the driveway, the shop and behind the barn, and we will go through it with you rather than carrying the first number forward.
General information about how combined automobile policies commonly work. Coverage, eligibility, limits and available vehicle types vary by policy and by carrier; the issued policy controls.Two rules worth knowing before you need them.
These apply to any Arkansas auto policy, at any carrier, and they are the two that come up most often in our office.
The statutory floor is a floor
Arkansas is an at-fault state, and the statutory minimum liability limits are 25/50/25 under Ark. Code 27-22-104 — twenty-five thousand for bodily injury to one person, fifty thousand for bodily injury in any one accident, twenty-five thousand for property damage. That is the legal requirement for operating a vehicle. It is not a recommendation, and we do not publish suggested limits on any page. What a household should carry depends on what there is to protect behind those limits, and that is a conversation rather than a number.
A totaled car settles a particular way here
A total loss settles at actual cash value — what the vehicle was worth immediately before the loss. Ark. Code 23-89-211 addresses total loss settlement in Arkansas and includes the sales tax requirement, so tax is part of the settlement rather than something you are simply expected to absorb when you replace the car. If you owe more than the vehicle was worth, actual cash value does not close that gap; that is what gap coverage exists for, and it has to be arranged in advance.
The coverages, in detail.
Farmers Union is one market we compare for auto. The pages below explain the coverage itself, across every carrier we hold.
Farmers Union Cribby reads the declarations page, not the name on the sign.
Cribby the Chameleon is our guide to reading a policy in plain English.
A chameleon adapts to its surroundings, which is the whole idea on a household account. Coverage gets shaped around the drivers, the vehicles — all five kinds of them — the mileage and what you actually do with them. Cribby can also answer the questions this page deliberately won't — whether a particular machine, trailer or driving history is likely to fit. That is underwriting territory, and it belongs in a conversation rather than in published copy.
Rate the company that issued it, not the name on it.
Why we lead with candor here instead of a badge
There is a version of this section that finds the highest letter anywhere in the corporate family, puts it in a large font, and lets you assume it applies to your policy. That version would be slightly untrue, and we would rather be accurate than smooth. It is the same discipline we apply to every carrier we write about: name the entity, or say you could not.
What a rating tells you is that a specific insurance company is assessed as financially sound today. It does not tell you how your claim will go, what your renewal will do, or whether your vehicles still fit the appetite in three years. Those are the questions we can actually help with — and we weigh them alongside the coverage, the rate and the service, with more than forty other markets to move you to if any of them stop working.
What we actually do at a claim
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: tell you which company actually issued your policy and how to reach it, help you decide whether a claim is worth reporting before you report it — which matters more than usual when five vehicles share one loss history — make sure the coverage that should respond gets identified, read a total loss settlement against the Arkansas rule before you sign it, chase the file when it stalls, flag when a renewal means it's time to re-shop, and move the policy to another of our markets if this one stops fitting. That last one is the part a single-carrier channel structurally cannot do for you.
Priced on your drivers and your vehicles, not a table.
An auto premium isn't a discount off a chart — it's built from who drives and their records, the vehicles and how they're used, the mileage, the coverages and deductibles selected, your claims history, and where the cars are garaged. Because several vehicle types can share one policy, the number covers more than a car-only quote does — which is worth remembering when you compare it against a quote that only priced the cars. Two households on the same street can still price very differently once the drivers and vehicles land, so a planning figure on a carrier page would mislead more than it helps and we don't publish one. Nothing here is a quote or a guarantee, and a first-term number isn't a promise about renewal. What reliably helps: send us the drivers and the vehicles, then let us compare where it lands.
Farmers Union in Arkansas: common questions.
Who actually underwrites Farmers Union auto in Arkansas?
Is this the same as Farmers Insurance?
What can go on one Farmers Union auto policy?
Can I still get home, renters or umbrella coverage from Farmers Union?
Is the program financially strong?
What are the minimum auto insurance limits in Arkansas?
⭐ 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.
Farmers Union is one of 40+ carriers we represent.
Which means we can tell you honestly whether putting everything on one policy here is the right move — or whether one of our other markets rates your drivers and your vehicles better apart. Send us what is in the driveway, the shop and behind the barn, plus whatever you're carrying now, and we'll read the declarations back to you in plain English, including where the house and the umbrella should sit now. 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. We are not National Farmers Union Property and Casualty Company, National General, or The Allstate Corporation, and this page is not endorsed, sponsored, reviewed, or approved by them. "Farmers Union" and related marks are marks of their respective owners, used here nominatively to identify a program we may compare. The Farmers Union automobile program described here is underwritten by National Farmers Union Property and Casualty Company on National General paper; National General is part of The Allstate Corporation. It is a separate and unrelated business from Farmers Insurance Group, and from Farmers Union Mutual Insurance Company, whose Arkansas home, renters and umbrella book is no longer available. Similarly named companies in the insurance market are separate businesses with their own underwriting, claims handling and ratings.
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. Which vehicle types may be placed on a single automobile policy, and whether any particular vehicle is eligible, 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. Product availability described here reflects what this agency is able to place at the time of writing and may change. If anything on this page conflicts with the issued policy, the policy controls.
No financial strength rating is stated on this page for the issuing company. Financial Strength Ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, and are not recommendations to purchase, hold or terminate any policy, nor do they address an insurer's claims-handling practices. A rating applies only to the rated company and does not transfer to affiliates, parents, program administrators or similarly named companies. The company that issued a given policy is identified on that policy; current ratings are at ambest.com.
No premium figures, rate estimates, savings figures or suggested coverage limits are published on this page. Cost statements describe how automobile premiums are generally rated and are not a quote, not carrier-specific, and not a guarantee of your rate or your renewal. Statements about combining vehicle types on one policy describe policy structure generally and are not a representation about your policy.
Arkansas statutory references are general information and not legal advice. Statutes are summarized, carry provisions and exceptions this page does not cover, and may be amended. Consult a licensed Arkansas attorney about how any of this applies to your situation.
Last reviewed August 2026.