National General Insurance in Arkansas | An Allstate Company, Through an Independent Agent | Cribb Insurance Group
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An Allstate Company · Sold Through Independent Agents

To you, it's just National General.

National General is an Allstate company, and its personal lines run through independent agents like us — not a captive channel. It reaches a wide range of drivers and homes, from bruised records to higher-value, because the tiering that makes that possible sits inside the policy, not on a menu you shop. Your part is one National General policy; sorting which one fits is ours. And because we also hold the Allstate contract on the same A+ paper, we can run both and tell you which wins.

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Short Answer

Cribb Insurance Group is an independent agency in Bentonville, Arkansas holding a National General-branded contract — separate from our Allstate-branded contract, though both sit on the same paper. We place eight lines through it: auto, home, renters, condo, landlord, umbrella, RV and commercial auto. National General is an Allstate company whose personal lines run through independent agents, and it fits a broad range of records — but that tiering is internal to the policy. The US National General companies are members of Allstate Insurance Group, which AM Best affirmed at A+ (Superior), stable, on August 28, 2025.

The part that's genuinely ours

We hold both contracts. Same paper, two doors.

This is the piece that's invisible from inside one company, so it's worth leading with. National General and Allstate are the same rating unit — the same A+ balance sheet. They're two different doors onto it, each with its own appetite and its own pricing on your specific risk. Cribb holds both contracts.

So when someone asks "is Allstate better than National General, or the other way around?" the honest answer is: nobody knows until it's run. There's no rule of thumb that survives contact with an actual quote — it comes down to your roof, your record, your vehicles, your history. A captive Allstate agent can run Allstate. They cannot run our National General contract, watch it come back cheaper with better coverage, and tell you so.

We don't have to guess, and we don't have a stake in the answer

We run both, put them side by side, and quote them against our other 40-plus markets while we're at it. Then you're looking at the answer instead of somebody's opinion about it. Seven lines — auto, home, renters, condo, landlord, umbrella and RV — sit on both of our contracts, which is exactly where this matters most.

Anyone who tells you one is "better" before looking at your account is guessing — and usually guessing in the direction of the only contract they hold.
Behind the policy

How one carrier fits so many records.

National General reaches from bruised records to higher-value homes and autos. That range is real, and it's useful — but here's the part worth being precise about: you don't shop it. The tiering that lets one carrier fit so many situations is internal to the policy. To you it's one National General policy; placing you correctly is our job.

Internal placement — you don't pick this, we handle it
The range

Bruised records

Non-standard

Lapses, tickets, claims, thin credit — the risks standard carriers decline. National General's historic core.

The range

Standard drivers

Standard

The everyday middle — a clean-enough record looking for a fair rate on real coverage.

The range

Preferred

Preferred

Clean records and package accounts that qualify for the better placement.

The range

Higher-value

Higher value

Higher-value homes and autos toward the top of what National General writes.

The only levels you actually choose

Where you do get a say is coverage level. National General's Custom360 product surfaces that as a real choice — for auto, Signature (lean, add-what-you-want) versus Elite (a more robust package built in through one endorsement); its property product has its own levels. That's the decision that's yours to make, and the one we walk through with you. The underwriting placement behind it stays internal.

Being straight about the honest direction of it: as a rough record improves, the rate can follow — and because we hold the Allstate contract too, "where you land" is a live conversation across both, not a fresh start somewhere new.
What we place

Eight lines through our National General contract.

Not everything National General writes nationally — what Cribb Insurance Group can actually place for you in Northwest Arkansas through this contract. Commercial auto is the only commercial line here.

Vehicles

  • Auto
  • RV
  • Commercial auto

Home & property

  • Homeowners
  • Condo
  • Renters
  • Landlord

Liability

  • Personal umbrella

Where this contract stops

Commercial auto is the only commercial line here. General liability, commercial property, workers' compensation and BOP don't come through National General for us — they run through our other commercial markets. Start a commercial quote and we'll tell you which one fits.

Motorcycle, ATV, boat and mobile home aren't on this contract either — those go through our Allstate contract. Same rating unit, different appetite. In a market with Beaver Lake on one side and a side-by-side in half the garages, that's not a footnote.

National General writes more than this nationally. We're telling you what we hold, not what exists. If a line isn't on this list, we have 40+ other markets and we'll name the one that fits.
Meet Cribby

Cribby reads the policy, not the brochure.

Cribby the Chameleon is our guide to reading a policy in plain English.

A chameleon blends into wherever it lands — which is the point of a carrier that quietly fits itself to your record. You don't work the machinery; you get one National General policy. Cribby's here for the plain-English version: what's actually covered, where it stops, and whether National General or our Allstate contract fits you better.

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Financial strength

A+ (Superior) — and which company that describes.

A+ AM Best · Superior

The US National General companies are members of Allstate Insurance Group, which AM Best affirmed at a Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of "aa-" (Superior) on August 28, 2025, with a stable outlook. National General has been an Allstate company since January 2021.

The precise part. A separate Bermuda entity, National General Insurance Ltd., is rated A (Excellent) — a full notch lower. The rating that applies to your Arkansas policy is the Allstate Insurance Group rating. Anyone quoting you "National General's rating" without naming the entity is guessing at which company they mean. Ratings change; the current one is at ambest.com.

A rating is a solvency opinion, not a claims opinion

AM Best is explicit that a Financial Strength Rating does not address a carrier's claims-handling practices and is not a recommendation to buy or keep any policy. So an A+ (Superior) tells you these companies can pay. That's real and worth knowing — it just isn't the same question as how a claim will go. Different questions, different sources. Anyone handing you a letter grade as the answer to all of them is handing you a logo.

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 whether a claim is worth filing before you file it, make sure the coverage that should respond gets identified, chase the file when it stalls, and move you to another of our markets — including our Allstate contract — if National General stops fitting. That last one is the part a captive agent structurally cannot do.

FAQ

National General in Arkansas: common questions.

Does Cribb Insurance Group write National General in Arkansas?
Yes. Cribb Insurance Group holds a National General-branded contract and places eight lines through it for Northwest Arkansas clients: auto, home, renters, condo, landlord, umbrella, RV and commercial auto. We're appointed with 40+ carriers, so we quote National General alongside our other markets.
Is National General the same company as Allstate?
National General has been an Allstate company since January 2021, and the US National General companies are members of Allstate Insurance Group — the same AM Best rating unit, the same balance sheet. Cribb Insurance Group holds two separate contracts: one Allstate-branded and one National General-branded. Different appointments, different appetites, same paper behind both.
Is National General financially strong?
The US National General companies are members of Allstate Insurance Group, which AM Best affirmed at a Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of "aa-" (Superior) on August 28, 2025, with a stable outlook. Note that National General Insurance Ltd. — a separate Bermuda entity — is rated A (Excellent), a notch lower. The rating that applies to your Arkansas policy is the Allstate Insurance Group rating. Ratings change; the current one is always at ambest.com.
Does National General have coverage tiers, and do I pick one?
National General is built to fit a wide range of records — from bruised (lapses, tickets, claims) through standard, preferred and higher-value — but that tiering is internal to the policy. You don't shop it. To you it's simply a National General policy, and matching you to the right internal placement is our job. The choices you actually see are coverage levels within a product, like Custom360's Signature and Elite for auto. We handle the placement and quote it against our Allstate contract and 40-plus other markets.
Can National General write me if I have tickets, accidents, or a coverage lapse?
Often, yes — access for tougher records is a big part of what National General is for. A lapse, a couple of tickets, or a claim doesn't put you outside the market; it changes the rate you're offered, not whether you can be covered. To you it's simply a National General policy — the internal structure that fits your record isn't something you navigate. We'll tell you honestly where you land and quote it against our other 40+ markets.
Does National General write general liability or workers' compensation?
Not through our contract. Commercial auto is the only commercial line we place through National General. General liability, commercial property, workers' compensation and BOP run through our other commercial markets. National General writes more than this nationally, but this page describes what Cribb Insurance Group can actually place for you in Arkansas.
How do I get a National General quote in Bentonville or Rogers?
Start at our personal lines quote form, the commercial quote form for commercial auto, or call (479) 286-1066. If you have current declarations pages, send them — reading what you already have is faster than answering questions about it, and it's how we find the things you're paying for twice.

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National General is one of 40+ carriers we represent.

Which means we can tell you honestly whether National General is the right home for your account — or whether our Allstate contract or one of our other markets fits better. Send the declarations pages for whatever you're carrying and we'll read them back to you in plain English, including the deductibles. If what you have is already right, we'll tell you that too.

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📍 Cribb Insurance Group Inc
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. National General, Custom360, and Allstate are trademarks of Allstate Insurance Company and its affiliates, used here nominatively to identify carriers and products we represent. This page is authored independently by Cribb Insurance Group and is not written, reviewed, sponsored or endorsed by National General or Allstate. National General's Arkansas policies are underwritten by member companies of National General, an Allstate company.

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. Product names, coverage levels, internal underwriting placement, discounts, limits, eligibility, program terms, and availability vary by driver, by property, by state, by policy, and over time, are set by the carrier, and are subject to underwriting review and approval and to the terms, conditions, limits, and exclusions of the policy actually issued. References to a range of records National General can write, and to internal tiering, are general descriptions of the carrier's market and not a promise of eligibility, placement, or price for any particular applicant. 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, and are not recommendations to purchase, hold or terminate any policy, nor do they address an insurer's claims-handling practices; current ratings are at ambest.com. The A+ (Superior) rating referenced applies to the members of Allstate Insurance Group as affirmed by AM Best on August 28, 2025; National General Insurance Ltd. (Bermuda) is a separately rated entity carrying a different rating. If anything here conflicts with the issued policy, the policy controls.

Last reviewed July 2026.