A rough record doesn't make you uninsurable. It just changes the rate.
A lapse, a couple of tickets, a claim on the books — the exact profile standard carriers turn away is the profile National General was built to write. Its Custom360 auto product comes in two coverage levels, Signature and Elite, and all of it sits on Allstate Insurance Group's A+ (Superior) paper. We place it, quote it against our Allstate contract and 40-plus other markets, and tell you honestly where you land.
The short answer
National General's auto product is Custom360, and it comes in two coverage levels: Signature (the base level — standard coverages plus an à‑la‑carte menu of add-ons) and Elite (a more robust level that builds several of those add-ons in through one endorsement). Its genuine strength is access: it writes drivers standard carriers decline — lapses, tickets, claims, thin credit — so a bruised record changes your rate rather than shutting you out. The US National General companies are members of Allstate Insurance Group, rated A+ (Superior) by AM Best. Because we're independent, we run it against our Allstate contract and 40-plus other markets so you see the real number, not an assumption.
Built for the records other carriers won't quote.
Plenty of carriers want the spotless driver with fifteen years of clean history. Fewer want the person who had a rough couple of years. That gap is National General's whole reason for being.
policy tiers stay internal
A lapse, a speeding ticket or two, an at-fault claim, a thin credit file — none of it makes you uninsurable here. To you it's simply a National General policy; where a rough record lands is handled behind the scenes and shows up in your rate, not a product you have to shop between.
A bruised record is a starting point, not a verdict.
National General built its book on risks standard carriers turn away. So if you've been told you're "hard to insure," this is one of the markets that was designed for exactly that — you get real coverage on A+ (Superior) Allstate-group paper, not a stripped-down stopgap.
Here's the part an online quote won't tell you: where you land is a conversation, not a dead end. We'll tell you honestly which coverage level and rate your record supports today, and we'll say plainly when one of our other 40-plus markets — including our Allstate contract — comes back better. Being straight about that is the entire point of buying through an independent agency instead of a checkout page.
Signature or Elite — lean, or built-in.
Both levels start from the same standard auto coverages. The difference is how much protection is bundled in versus chosen à la carte.
Custom360 Signature
The base coverage level, designed with all types of drivers in mind. You get extensive liability-limit options and flexible deductibles, then add only the optional coverages you actually want. Best when you'd rather keep the policy lean and pick your own add-ons.
Custom360 Elite
The more robust level. Through one endorsement it builds in several coverages that are optional on Signature — so you hit the road with the package already in place rather than assembling it piece by piece. Best when you'd rather have it handled.
| Coverage / feature | Signature | Elite |
|---|---|---|
| Diminishing deductible — credit toward your deductible for each claim-free period | Optional | Included |
| Full safety glass — skip the deductible on a glass-only claim | Optional | Included |
| New OEM parts — original-manufacturer parts on qualifying repairs | Optional | Included |
| Roadside assistance — towing, battery, tire, lockout | Optional | Included |
| Trip interruption — help when a covered loss strands you from home | Optional | Included |
| Portable electronics & media — devices lost in or on the vehicle | Optional | Included |
| Transportation expense — rental / rideshare / transit while disabled | Optional | Higher built-in |
| Accident forgiveness · auto replacement · ride share · loan/lease gap · Mexico · custom equipment · DynamicDrive | Shared optional menu — add to either level | |
Standard coverages, then your add-ons.
Liability (BI & PD)
Bodily injury and property damage you cause to others — the coverage Arkansas law requires at 25/50/25, and the first place we'd look at raising limits.
Medical Payments
Helps with medical costs for you and your passengers after a crash, regardless of who was at fault.
Uninsured / Underinsured
Pays for you when the at-fault driver has no coverage or not enough — which, given Arkansas roads, is not a rare event.
Comprehensive & Collision
Collision repairs your car after a crash; comprehensive covers theft, hail, glass, animal strikes and other non-crash losses. Required by a lender if you finance.
Optional coverages we bring up most.
These are the Custom360 add-ons that change how a real loss plays out. Some are built into Elite; on Signature you choose them individually.
Accident Forgiveness
Keeps a qualifying at-fault accident from adding a surcharge. Applies after first renewal, to surcharges only, and doesn't itself guarantee renewal.
Auto Replacement
On a covered total loss, pays toward a current-model-year replacement rather than the depreciated value — the mechanics differ by how old the vehicle is.
Diminishing Deductible
Credits your deductible down for each claim-free policy period, up to a cap. Optional on Signature, built into Elite.
Full Safety Glass
Skips the deductible on a glass-only claim — the classic highway rock chip. Optional on Signature, built into Elite.
Roadside & Transportation
Roadside covers towing, battery, tire and lockout; transportation-expense and rental-reimbursement help pay for a rental, rideshare or transit while your car is down.
Ride Share, Mexico & More
Ride-share coverage fills the gap around a delivery/rideshare platform's policy; Mexico physical damage, loan/lease gap, custom equipment and trip interruption round out the menu.
The repair-network perk worth knowing about.
Because National General is an Allstate company, collision repairs made at Allstate's Good Hands Repair Network shops carry a guarantee for the lifetime of the vehicle. It's a genuine back-end benefit that a lot of drivers never hear about until they're standing in a body shop.
DynamicDrive — understand it before you enroll.
DynamicDrive is National General's usage-based program. It uses an app to score how you actually drive — things like speed and phone handling — and feeds that into your renewal. For a genuinely safe, low-distraction driver, that can work in your favor.
Here's where we'll be straight with you, because it's different from how some programs are marketed: treat DynamicDrive as a program that prices on your behavior, not as a guaranteed one-way discount. Before you opt in, the question worth answering is exactly how it can move your number in Arkansas — up as well as down — and whether your driving pattern is the kind it rewards. There's also a practical catch in the fine print: everyone on the policy generally has to be actively tracking trips in the window before renewal, or the telematics credit can fall off. None of that is a reason to avoid it — it's a reason to have the conversation before you enroll rather than discover the terms at renewal.
What the state requires — and what it doesn't protect you from.
Arkansas requires at least 25/50/25 liability: $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. Arkansas is an at-fault state, so the driver who causes a crash is responsible for the other side's damages, and insurers must offer you uninsured and underinsured motorist coverage — you can turn it down only in writing.
That legal minimum is a floor, not a safe target. A meaningful share of Arkansas drivers carry no coverage at all, and a lot of freight moves through the region's highway corridors — so the odds of being hit by someone who can't cover your bills are real. That's why we push two things on nearly every Arkansas auto policy: UM/UIM coverage, and liability limits above the state minimum. National General's job is to make that coverage available even on a tougher record; our job is to size it so a serious crash doesn't land on you.
The ways the number can come down.
National General's Arkansas auto program carries a broad discount list. Which ones you qualify for is part of what we check when we quote — here's the menu.
Priced on your record and your car — not a webpage.
Auto pricing is personal — a planning number would mislead more than help, and this isn't a quote or a guarantee. One honest note for shoppers with a clean record: National General's real advantage is access for tougher risks, so a spotless profile may well price better on our Allstate contract or another market. We run all of them. Here's what actually moves the auto number:
Strong balance sheet, honest caveats.
On August 28, 2025, AM Best affirmed the members of Allstate Insurance Group — the companies behind National General's US auto policies — at a Financial Strength Rating of A+ (Superior), stable outlook.
Where National General is strong on auto
- Access for tougher records. Lapses, tickets, claims, thin credit — the profiles standard carriers decline are the ones this book was built to write.
- A real coverage-level choice. Custom360 Signature keeps it lean; Elite builds the package in through one endorsement. You're not stuck with one shape.
- A+ (Superior) Allstate-group paper and a lifetime repair guarantee at Allstate's Good Hands Repair Network shops.
- Independent-agency distribution, which is why we can put it head-to-head with our Allstate contract and 40-plus markets instead of guessing.
What we'll tell you honestly
- A rating measures solvency, not service. A+ means the company can pay; it doesn't grade how a claim will feel. Claims experience is where National General draws more criticism than its balance sheet does — so we ride the file.
- Clean records may price better elsewhere. The strength here is access, not always the lowest rate for a spotless driver — we'll say so and run the alternatives.
- Telematics can move your number. DynamicDrive prices on behavior; understand how before you enroll, not after.
- We don't adjust your claim. The adjuster decides the payment; we can't overrule them, but we advocate hard — and we'll move you to another market if National General stops fitting.
The other lines we place — and where they live.
The toys usually go the other way.
Motorcycle, ATV, boat and mobile home aren't on our National General contract — those run through our Allstate contract. Same rating unit, different appetite. With Beaver Lake on one side of the region and a side-by-side in half the garages, that's not a footnote — it's a reason to have one agency that holds both doors.
National General auto questions.
Can National General insure me if I have tickets, an accident, or a coverage lapse?
Often, yes — that access is National General's whole reason for being. It built its book writing drivers standard carriers turn away: lapses, a couple of tickets, an at-fault claim, thin or bruised credit. A rough record 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 way it's structured internally to fit your record isn't something you have to navigate.
We'll tell you honestly where you land and quote it against our other 40-plus markets, including our Allstate contract, so you see the real number instead of an assumption.
What's the difference between Custom360 Signature and Elite?
Custom360 is National General's auto product, and it comes in two coverage levels. Signature is the base — standard coverages plus a full menu of optional add-ons you choose one at a time. Elite is the more robust level: through one endorsement it builds in several things that are optional on Signature, like diminishing deductible, full safety glass, new OEM parts, roadside assistance and trip interruption.
Signature suits a driver who wants to keep it lean; Elite suits someone who'd rather have the package built in. We'll price both against your actual vehicles and record.
What is DynamicDrive and can it raise my rate?
DynamicDrive is National General's telematics program. It uses an app to score how you drive — things like speed and phone handling — and factors that into your renewal. Treat it as a program that prices on behavior, not a guaranteed discount, and understand exactly how it can move your number in Arkansas before you enroll rather than after.
One practical catch from the product materials: everyone on the policy generally has to be actively tracking trips in the window before renewal, or the telematics credit can drop off. The right call depends entirely on how and how much you drive.
Does National General auto include roadside and rental coverage?
They're available, and how they sit depends on your level. Roadside assistance (towing, battery, tire, lockout) is an optional add-on on Signature and is generally built into Elite. Transportation-expense and rental-reimbursement coverage helps pay for a rental, rideshare or transit while your car is disabled, and trip interruption helps when a covered loss strands you away from home.
Note that some roadside and auto-protection features are administered by a third party rather than being insurance — we'll show you which is which.
What auto coverage does Arkansas require?
Arkansas requires at least 25/50/25 liability: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Arkansas is an at-fault state, and insurers must offer you uninsured and underinsured motorist coverage, which you can reject only in writing.
Given how many Arkansas drivers carry no coverage and how much freight moves through the region, UM/UIM and higher-than-minimum liability are worth serious consideration — the minimum is a legal floor, not a safe target.
Is National General the same as Allstate, and whose rating applies to my policy?
National General has been an Allstate company since January 2021, and the US National General companies are members of Allstate Insurance Group. AM Best affirmed Allstate Insurance Group 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 — that's the rating that applies to your Arkansas auto policy.
A separate Bermuda entity, National General Insurance Ltd., is rated A (Excellent), a notch lower; don't confuse the two. Ratings change; the current one is at ambest.com.
How do I get a National General auto 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's how we find gaps and the things you're paying for twice.
Because we're independent, we'll run National General against our Allstate contract and 40-plus other markets and tell you honestly which one fits your record and your car best.
If our carrier and coverage guides are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas drivers find our local, plain-English explanations.
Send us the record, we'll find the door.
Tell us the drivers, the vehicles, and where things stand — clean record or a rough couple of years. We'll price National General's Custom360 Signature and Elite, run it against our Allstate contract and 40-plus other markets, size your liability and UM/UIM so an Arkansas crash doesn't land on you, and tell you plainly which market fits. 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 National General or Allstate, and this page is authored independently and is not endorsed, sponsored, reviewed, or approved by either. "National General," "Custom360," "DynamicDrive," "Good Hands," "Encompass," and "Allstate" are trademarks or service marks of Allstate Insurance Company and its affiliates, used here nominatively to identify products and programs we are appointed to place. National General's Arkansas auto policies are underwritten by member companies of National General, an Allstate company. Auto Protection Plan and roadside assistance features, where offered, may be administered by Nation Safe Drivers (Boca Raton, FL) and are not insurance; not all benefits are available in all states. The Good Hands Repair Network is provided by Allstate Insurance 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 (Signature, Elite), standard and optional coverages, endorsements, discounts, limits, tier placement, eligibility, and availability vary by driver, by vehicle, by state, by policy, and over time, are set by the carrier, and are subject to underwriting review, guidelines, and approval and to the terms, conditions, limits, and exclusions of the policy actually issued. The Signature/Elite comparison shown is a general illustration of how coverages are included or optional at each level; exact limits and ranges are confirmed at quote. Statements about usage-based programs describe general program structure and are subject to state availability and the actual program terms; confirm current terms before enrolling. 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+ (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. Statements about Arkansas auto law (including the 25/50/25 minimum, at-fault liability, and uninsured/underinsured motorist offer requirements) are general information, not legal advice, and were current as of the last review; confirm current requirements with the Arkansas Insurance Department or a qualified advisor. If anything here conflicts with the issued policy, the policy controls.
Last reviewed July 2026.