Totaled shouldn't mean a depreciated check.
Liberty Mutual auto comes in coverage levels — and the protection that actually makes you whole after a total loss lives at the top: New Vehicle Replacement, a diminishing deductible, waived deductibles, Better Car Replacement. Here's what each level buys, the uninsured-motorist coverage a 1-in-6 state needs, and the discounts that only apply if someone asks. From an independent agency that places Liberty Mutual every day.
The short answer
Liberty Mutual's Arkansas auto policy is built on coverage levels, and the difference between them is what happens after a bad day. The upper levels add New Vehicle Replacement, a diminishing deductible (to $500), waived deductibles on a not-at-fault or total loss, and Better Car Replacement — the features that decide whether a total loss makes you whole or hands you a depreciated check. Our first job is matching the level to what you drive. Our second is making sure your uninsured-motorist limits are real, because roughly one in six Arkansas drivers isn't insured. Backed by an A (Excellent) carrier.
Four levels — and the total-loss protection lives at the top.
The base liability and physical-damage coverages look alike across every level. What separates them is the protection layered on top — and that's where a total loss is won or lost. Here's what each level adds, in plain terms.
- Core liability & physical damage
- Standard deductible options
- The state-compliant starting point
- Everything in Essential
- Accident Forgiveness
- Higher sub-limits on several coverages
- Everything in Enhanced
- New Vehicle Replacement
- Diminishing deductible (to $500)
- Deductible waived — not-at-fault & total loss
- Worldwide rental & key replacement
- Everything in Superior
- Better Car Replacement
- New Vehicle Replacement — 2 years
- No depreciation/betterment on repairs
- Loss of use up to $3,000, 100-mile towing
- Personal property, pet coverage & more
This is the part we get paid to get right.
Nobody reads their declarations page and thinks about which level they're on. But the level is the whole ballgame on a total loss — and it's the easiest thing in insurance to have quietly wrong. When we quote or review a Liberty Mutual auto policy, matching the level to the car and the driver is step one: a financed late-model vehicle usually belongs a level or two up from a paid-off commuter. That's a two-minute conversation that changes what a bad day costs you.
Replaced, not depreciated.
The features that make the upper levels worth it, and exactly what each one does.
New Vehicle Replacement
Total a qualifying new car — not previously titled, you're the original owner — in its first year and it pays, at your option, the verifiable purchase price, the cost of a similar new vehicle, or market value. On Premier the window runs two years.
Better Car Replacement
If your car is totaled, this pays for a vehicle one model year newer than the one you lost — same make, model, and equipment — rather than the depreciated value of what you had.
Diminishing deductible
Your collision deductible drops $50 at each renewal ($100 a year on an annual policy), up to $500 off, for staying claim-free. An at-fault surcharge resets it — then it starts building again at your next clean renewal.
Waived deductibles
The deductible is waived when a loss is not your fault, and again on a comprehensive total loss. Premier goes further and removes the adjustment for depreciation and wear when repairing or replacing damaged property.
Loan / Lease coverage
If a new vehicle is totaled and you owe more than it's worth, this pays the gap between the loan or lease balance and the vehicle's actual cash value. It has to be added when the vehicle goes on the policy.
OEM parts endorsement
Extends comprehensive and collision to repair with new original-equipment-manufacturer parts where available, on eligible newer vehicles carrying both coverages — so a repair keeps the parts the car left the factory with.
The minimum is legal. It's often not enough.
$25K bodily injury per person, $50K per accident, $25K property damage. Arkansas is an at-fault state, so the driver who causes a crash — or their insurer — is responsible for the damage. Minimums satisfy the law and little else.
The 1-in-6 problem, and the coverage that solves it.
Roughly one in six Arkansas drivers is uninsured. If one of them hits you, their nonexistent policy pays nothing — and your own medical bills don't wait. Uninsured and underinsured motorist coverage is what steps in: it pays for injuries to you, your family, and your passengers when the at-fault driver has no coverage, or not enough to cover what you're owed.
In Arkansas this coverage must be offered to you, and it applies unless you reject it — and it can be carried at the same limits as your liability. The single most common gap we fix on an auto review is UM/UIM limits that quietly sit below the liability limits, or were rejected years ago and never revisited. In a 1-in-6 state, that's the coverage worth getting right.
One Arkansas rule people get backwards.
Act 41 of 2023 created a 60-day window to register a newly purchased vehicle — that's a registration deadline with the state, not an insurance deadline. Your coverage needs to be in place before you drive the car off the lot, not within 60 days. Separately, Arkansas law (Ark. Code § 23-67-401) governs how a credit-based insurance score may be used in rating; how any single factor affects your specific premium is set by the carrier at quote.
The coverage menu.
Beyond the level features, these are the coverages and limits available to build the policy around your situation.
Drive for an app? Ask about the gap.
The rideshare and delivery endorsement extends your coverages during the window when you're logged into a network app but haven't yet accepted a request — the exact stretch where a personal auto policy typically steps back and the app's coverage hasn't fully kicked in. It covers rideshare and delivery networks. If you drive for any of them, this is worth adding rather than discovering the gap at claim time.
The ones worth mentioning.
Liberty Mutual's Arkansas auto discounts reward bundling, loyalty, a clean record, students, and how you pay — and several only apply if someone brings them up.
Account, Multi-Car & Homeowner
Credits for insuring more than one vehicle with us, for holding another policy with us (home, condo, renters, watercraft, motorcycle, landlord, or umbrella), and simply for owning a home or condo.
Claims-Free & Violation-Free
Discounts for going without an at-fault accident above threshold, and for a record with no chargeable violations across the experience period — with an extra tier for a longer clean stretch.
Good Student, Distant & New Teen
For full-time students in the top of their class, students living 100+ miles from home without a car, and households adding a newly licensed teen to an established policy — plus a newly-independent credit for graduates moving to their own policy.
Advance Quote, Preferred Payment & Paperless
Credits for quoting ahead of your effective date, paying in full or on automatic withdrawal, keeping a clean payment history, and going paperless on documents.
Low Mileage
A credit for regular-use vehicles driven under 8,000 miles a year — worth flagging for retirees, remote workers, and second cars that mostly sit.
Accident Prevention & Employee
A credit for drivers 60+ who complete an approved accident-prevention course, and an employee/retiree credit for Liberty Mutual households. Small levers — but free if they apply to you.
Backed by an A (Excellent) carrier.
On September 10, 2025, AM Best affirmed the Financial Strength Rating of A (Excellent) for the members of Liberty Mutual Holding Company Inc., stable outlook — the group behind the companies that write this coverage in Arkansas. A financial strength rating is an opinion about an insurer's ability to pay claims; it doesn't grade how a specific claim is handled, and it isn't a recommendation to buy or keep a policy. Different question, different source — the current rating is at ambest.com.
Where we earn it on an auto policy.
The auto mistakes are consistent, and none of them show up until a claim: the coverage level is a notch too low for a financed car, the UM/UIM limits sit below the liability limits, and discounts the household qualifies for were never applied. We fix those at the quote. We don't adjust your claim and can't overrule an adjuster — but we'll tell you whether a claim is worth filing, make sure the right coverage responds, chase the file when it stalls, and move you to another of our 40-plus markets if Liberty Mutual stops fitting.
Built from your facts, not a sticker price.
Auto premium depends on your vehicles, drivers, coverage level, the limits and deductibles you choose, garaging ZIP, driving history, and — under Arkansas law — a credit-based insurance score. That's too many variables for a webpage figure to mean anything, so we won't post one. This isn't a quote or a guarantee. What reliably helps: bundling for the account discount, right-sizing the coverage level to the car, and claiming the credits you're eligible for. That's the number we'll build with you.
The policies around this one.
Liberty Mutual auto questions.
What makes Liberty Mutual's total-loss coverage different?
The difference is whether you're paid a depreciated value or made whole. On a qualifying new vehicle — not previously titled, where you're the original owner — New Vehicle Replacement can pay, at your option, the verifiable purchase price, the cost of a similar new vehicle, or market value if it's totaled in its first year.
On the top coverage level that window extends to two years, repairs can skip the adjustment for depreciation, and Better Car Replacement can put you in a vehicle one model year newer than the one you lost. It's tied to your coverage level, which is exactly why matching the level to the car matters — and it's the first thing we check.
What are Liberty Mutual's auto coverage levels in Arkansas?
Arkansas auto policies are built on coverage levels — in ascending order, Essential, Enhanced, Superior, and Premier. The base coverages look similar across them; what changes is the protection layered on top.
Superior adds features like waived deductibles for a not-at-fault or total loss, a diminishing deductible, and New Vehicle Replacement. Premier adds a longer replacement window with no depreciation adjustment, Better Car Replacement, higher loss-of-use limits, 100-mile towing, and more. Two drivers can both have "Liberty Mutual auto" and own very different policies — which is why we start by matching the level to what you drive.
Do I need more than Arkansas's 25/50/25 minimum?
Usually yes, and uninsured-motorist coverage is the reason. Arkansas is an at-fault state with minimum limits of 25/50/25, and roughly one in six Arkansas drivers is uninsured. Uninsured and underinsured motorist coverage pays for injuries to you, your family, and your passengers when the at-fault driver has no coverage or not enough.
In Arkansas this coverage must be offered to you and applies unless you reject it, and it can be carried at the same limits as your liability. Minimum limits satisfy the law, but they can leave you paying your own medical bills after a crash you didn't cause — which is the conversation to have before you're in one.
What is the diminishing deductible?
On the coverage levels that include it, the diminishing deductible lowers your collision deductible for staying claim-free — by $50 at each renewal (or $100 per renewal on an annual policy), up to a $500 maximum.
If an at-fault accident is surcharged, the accumulated reduction is removed and starts building again at your first clean renewal afterward. It rewards the clean years automatically — but it only exists on the levels that carry it, which is one more reason the level matters.
Does Liberty Mutual cover rideshare or delivery driving in Arkansas?
It can, with an endorsement. Rideshare coverage extends your policy's coverages during the period when you're logged into a transportation or delivery network app but haven't yet accepted a request — the gap where a personal auto policy typically stops and the app's coverage hasn't fully started. It now includes delivery networks, not just rideshare.
If you drive for any app, this is worth adding rather than assuming you're covered, because the uncovered window is a real one.
How do I get a Liberty Mutual auto quote in Bentonville or Rogers?
Start at our personal lines quote form or call (479) 286-1066. If you have your current declarations page, send it — reading what you already carry is faster than answering questions about it.
It's how we find whether you're on the right coverage level, whether your uninsured-motorist limits match your liability, and which discounts you're eligible for but not getting.
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.
Liberty Mutual is one of 40+ carriers we represent.
Which means we can tell you honestly whether Liberty Mutual auto is the right home for your household — or whether one of our other markets fits better. Send your current declarations page and we'll read it back in plain English: the coverage level, the UM/UIM limits, and the discounts you're leaving on the table. If what you have is already right, we'll say so.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Liberty Mutual, and this page is not endorsed, sponsored, reviewed, or approved by Liberty Mutual. "Liberty Mutual," "New Vehicle Replacement," and "Better Car Replacement" are service marks or trademarks of Liberty Mutual Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Liberty Mutual's Arkansas auto policies are issued by Liberty Mutual-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 levels, features, endorsements, limits, deductibles, discounts, program terms and availability vary by coverage level, by policy, by state, 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. New Vehicle Replacement, Better Car Replacement, diminishing deductible, waived-deductible, loan/lease, OEM, rideshare, and roadside features are subject to coverage-level eligibility, requirements, and limits. Availability of any coverage level or discount for a given customer is determined by the carrier. If anything on this page conflicts with the issued policy, the policy controls.
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 (Excellent) rating referenced applies to the members of Liberty Mutual Holding Company Inc. Statements about Arkansas motor-vehicle and insurance law, including minimum limits, uninsured-motorist requirements, Act 41 of 2023, and Ark. Code § 23-67-401, are general information, not legal advice, and are subject to change; confirm current requirements with the Arkansas Department of Finance and Administration and the Arkansas Insurance Department. Cost is determined by the carrier at quote and is not a figure this page represents or guarantees.
Last reviewed July 2026.