Sixteen discounts. Ten optional coverages. And a program that pays you to drive well.
Travelers writes Arkansas personal auto on Quantum Auto 2.0 — its current product, on A++ rated paper. Here's what you can actually put on the policy, every discount they publish, and how IntelliDrive 365 works in Arkansas before you decide whether it's for you.
The short answer
Travelers writes Arkansas personal auto on Quantum Auto 2.0: the standard base coverages, ten optional coverages including Accident Forgiveness and Decreasing Deductible, and sixteen discounts. Arkansas gets IntelliDrive 365, which can cut renewal premium up to 35% for safe driving. AM Best rates the main Travelers subsidiaries A++ (Superior).
Ten optional coverages, and the ones that matter here.
These are the add-ons that separate one Travelers auto policy from another. Most people carry a handful without knowing which — which is exactly why the list is worth reading against your own declarations page.
| Coverage | What it does |
|---|---|
| Accident Forgiveness | Forgives one accident within a specified period, protecting you from the premium increase that would normally follow. |
| Minor Violation Forgiveness | Prevents a rate increase after your first minor traffic violation within a specified period. |
| Decreasing Deductible® | Your deductible drops the longer every driver on the policy stays accident-free. |
| Total Loss Deductible Waiver | Waives your deductible entirely if the car is totaled in a covered loss. |
| Glass Deductible | Lowers out-of-pocket cost to repair or replace damaged car windows. |
| New Car Replacement | Replaces a totaled new car with a brand-new one of the same make and model, if totaled within five years. |
| Loan or Lease Gap | Covers the difference between what you owe on a financed or leased car and what it's worth if totaled. |
| Extended Transportation Expense | Rental coverage while your vehicle is being repaired after an accident. |
| Roadside Assistance | Towing, jump-starts and similar services when you're stuck. |
| Trip Interruption | Lodging and meals if your car breaks down away from home during a trip. |
I-49 throws rock
Windshield claims here are routine, and an unendorsed comprehensive deductible eats the whole repair. Pound for pound it's one of the most useful things on the list for a Northwest Arkansas driver.
Two halves of one problem
Replacement gets you a new car; Gap covers what you still owe. Different coverages, different jobs. If you financed with little down, you probably need to think about both — and most people have only heard of one.
Especially with a teen
Accident Forgiveness and Minor Violation Forgiveness do similar work at different severities. Both matter more with a teen driver, where one at-fault accident or a first speeding ticket moves premium sharply. Carrying one doesn't mean you carry both.
Every discount Travelers publishes.
Here's the whole list, not the two that come up in a phone call. Read it, and ask us about the ones that fit you — that's a two-minute conversation that pays.
No single discount here transforms a premium. Four or five together can. Multi-Policy + Multi-Car + Paid in Full + EFT + Home Ownership is an ordinary suburban household — and a meaningfully different number than the same household with two applied.
The three that get missed.
Student Away at School. If your kid is at the U of A and doesn't keep a car there, you may be paying full freight for a driver who isn't driving.
Home Ownership. Applies whether or not the home is insured with Travelers — it's separate from Multi-Policy, and that surprises people who assume they're the same thing.
Early Quote. Rewards shopping before your current policy expires. Waiting until the renewal lands can cost you this one outright.
Finding which of the sixteen you qualify for is the audit we run at quote, and it's the one thing a rate comparison site structurally cannot do for you.
Arkansas gets the newer program — and it pays you to drive well.
Travelers runs two telematics programs, and Arkansas is on the 365 list. If you're insuring a car in Bentonville, Rogers or Springdale, 365 is the program on the table. Here's how it works, in full, before you decide.
What's in it for a careful driver.
Up to 10% off in the first policy term just for enrolling — regardless of how you score. That one is not a bet; it's a discount for downloading an app.
Up to 35% off your renewal premium for safe driving. And up to 2% at each renewal as a participation discount, which needs at least 50 trips recorded in the previous six months.
For most careful drivers this is a good deal, and it's the single largest lever on this page. It's also the reason we bring it up at quote rather than letting you find it later.
How it works, plainly
- It scores for the life of the policy. The original IntelliDrive assessed for 90 days and was done. 365 keeps scoring and adjusts at each renewal.
- It measures braking, distraction, time of day and speed. It dropped acceleration, which the original measured.
- Everyone eligible has to enroll at new business. If a driver in your household won't install it, the program isn't available to you.
- Renewal sufficiency is 50 trips in 365 days.
- Some trips can be corrected — including removing a distraction event when a passenger was the one on the phone. Correcting too many can get a driver removed from the program.
- Crash detection is built in. If the app detects a crash it can pinpoint your location and connect you with help.
- Your driving data rates your policy and is also used for claim services, per Travelers. Worth understanding before you opt in.
Know what you're signing up for — it works both ways.
IntelliDrive 365 is a two-way rating factor. Safe driving lowers your renewal premium; riskier driving can raise it. That's not a catch — it's how the program is designed, and it's why the safe-driver savings are as large as they are.
"Time of day" is the one worth thinking hardest about, because it's the factor you can't coach your way out of. Driving during higher-risk hours can count against you even when you drive perfectly. If your work puts you on the road late, that's a real consideration.
Want the exact numbers on both sides? Travelers publishes them in the program brochure, and we'll send you the brochure — call (479) 286-1066 and ask, or ask when we quote. We'd rather you enrolled knowing precisely what you signed up for than discovered it on a renewal notice. Walking this through with you before you opt in is exactly what we're here for.
Arkansas is an at-fault state — and that's the whole game.
This section has nothing to do with which carrier you pick. It's the law here, it's the same for everyone, and it's the most useful thing on this page.
At-fault only works if the other driver has coverage
In Arkansas, the driver who causes a crash is responsible for the injuries and damage, and their liability coverage pays. That works right up until the at-fault driver doesn't have any.
Roughly one in six Arkansas drivers is uninsured. On any given day, at any given intersection in Bentonville or Springdale, there's a real chance the person who hits you cannot pay for what they did. At-fault liability is only worth what the at-fault driver carries.
Which makes uninsured motorist the real decision.
Uninsured and underinsured motorist coverage pays for your injuries when the at-fault driver has no coverage or not enough. Arkansas requires that it be offered and allows you to reject it in writing.
Plenty of Arkansas drivers have rejected it without registering that they did — it was a line on a form during a phone call. In a state with this uninsured rate, that rejection is the most consequential thing on a lot of policies. If you don't know whether you carry UM, that's worth five minutes. Send us the declarations page and we'll tell you.
What Arkansas requires, and what it doesn't
| Coverage | What it does | Arkansas requirement |
|---|---|---|
| Bodily Injury Liability | Injuries you cause to other people | Required — $25,000 per person / $50,000 per accident |
| Property Damage Liability | Damage you cause to other people's property | Required — $25,000 per accident |
| Uninsured / Underinsured Motorist | Your injuries when the at-fault driver has no coverage or not enough | Must be offered; can be rejected in writing |
| Medical Payments | Medical bills for you and your passengers, regardless of fault | Must be offered; can be rejected in writing |
| Comprehensive | Theft, hail, flood, fire, glass, animal strikes | Optional — required by lenders |
| Collision | Damage to your car from a crash, regardless of fault | Optional — required by lenders |
25/50/25 is a floor, not a plan
Arkansas minimums are $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Those numbers were set by statute, not by what a hospital charges.
One serious injury clears $25,000 quickly. A newer pickup totaled in a three-car pileup clears $25,000 in property damage by itself. When limits run out, the claim doesn't stop — it comes to you personally. Minimum limits are a compliance product, not a protection product, and that's true on every carrier's paper. It's also why the umbrella conversation exists.
Comprehensive matters more here
Northwest Arkansas sits in an active hail corridor, and hail damage to a vehicle is a comprehensive claim, not collision. A storm that puts a claim on your roof frequently puts one on the cars in the driveway at the same time. Deer strikes are comprehensive too, and Benton and Washington counties produce plenty. Dropping comprehensive to save premium reads differently in Arkansas than it does in a city.
The 60-day registration window
Under Act 41 of 2023, Arkansas allows 60 days to register a newly purchased vehicle. That's a registration window — it is not a grace period on insurance. Coverage needs to be in force before you drive the car off the lot. If you're buying, call us before you sign rather than after: adding a vehicle takes minutes, and unwinding a coverage gap does not.
Credit-based insurance scoring
Arkansas permits credit-based insurance scoring in auto rating under Ark. Code Ann. § 23-67-401 et seq., within statutory limits. Credit cannot be the sole basis for declining, cancelling or non-renewing a policy, and consumers may request reconsideration after certain extraordinary life events.
Carriers weigh insurance score differently from one another — part of why the same driver prices very differently across markets, and part of why quoting across several is worth doing.
The part that decides whether any of this was worth it.
On August 8, 2025, AM Best affirmed a Financial Strength Rating of A++ (Superior) with a stable outlook for the main subsidiaries of The Travelers Companies. A++ is the highest rating on AM Best's scale, and very few carriers hold it. On a $500 claim that's trivia. On a liability verdict that runs past your limits it's the entire product.
Travelers takes auto claims by phone or online, 24 hours a day, 365 days a year, at 1.800.252.4633 or through MyTravelers® — which also carries your auto ID cards and tracks roadside assistance. Travelers states it has more than 11,000 claim professionals and over 100 service centers nationally, plus partnerships with repair shops if you don't have one in mind.
Loss Consultation — the call before the claim.
Travelers runs a pre-claim service for auto customers who've had a loss but aren't sure whether to file. A consultant reviews your policy, talks through what happened, and helps you decide — and takes the claim on the spot if you go ahead.
The questions Travelers says people bring to it are exactly the right ones: Should I file with Travelers or the other carrier? What's my deductible? Will my rate increase if I file? Very few carriers offer a structured way to ask "should I file this?" before the answer is on your record.
1.800.252.4633 — Monday–Friday, 8 a.m.–6 p.m. EST, with a callback the next business day outside those hours. Have the date and details of the loss, photos, receipts or reports, and your policy number.
"Travelers or the other carrier?" is an Arkansas question
The first question on Travelers' own list isn't generic — in an at-fault state it's the question. If the other driver caused the crash, their liability coverage should pay, and going that route means no deductible for you. It also means waiting on another carrier's adjuster to accept fault.
Filing with Travelers is usually faster. You pay your deductible up front, and if Travelers subrogates successfully against the at-fault carrier, you typically get it back. Which route is right depends on how clear fault is, how badly you need the car, and whether the other driver is insured at all.
What we add, and what we don't.
We don't adjust your claim and we can't overrule an adjuster. We'd rather be straight about that than let you find out at the worst moment.
What we do: tell you whether a claim is worth filing before you file it, make sure the coverage that should respond gets identified, audit the sixteen discounts against your household, walk the IntelliDrive decision with you before you enrol rather than after, chase the file when it stalls, and move you to another of our markets if Travelers stops fitting. That last one is the part a captive agent structurally cannot do.
A rating is also a solvency opinion, not a claims opinion — AM Best says so plainly. So A++ tells you Travelers can pay. It isn't the same question as how a claim will go.
A planning range, not a quote.
Full-coverage auto premiums placed through our agency generally land in this range. Where a specific driver falls depends on the vehicle, driving record, limits selected, deductibles, household drivers, which optional coverages are on the policy, and the rating factors Arkansas permits.
These are agency figures, not a quote, not specific to Travelers, and not a guarantee of rate. Some households fall below this band and some fall well above it. The only way to know yours is to run it.
The other lines Travelers writes through us.
Travelers auto in Arkansas: common questions.
What optional coverages does Travelers offer on Quantum Auto 2.0?
Ten: Accident Forgiveness, Minor Violation Forgiveness, Decreasing Deductible, Total Loss Deductible Waiver, Glass Deductible, New Car Replacement, Loan or Lease Gap, Extended Transportation Expense, Roadside Assistance and Trip Interruption.
In Northwest Arkansas the ones that earn their keep most often are Glass Deductible, because I-49 and Highway 49 throw rock and windshield claims here are routine, and the New Car Replacement plus Loan or Lease Gap pair, which solve different halves of the same problem if you financed with little down. Options are subject to eligibility and state availability. Ask us to confirm which are on your policy and which are available to you.
How many discounts does Travelers offer on auto insurance?
Sixteen: Continuous Insurance, Digital Auto, Driver Training, Early Quote, Electronic Funds Transfer, Good Payer, Good Student, Home Ownership, Hybrid or Electric Vehicle, IntelliDrive New Business Enrollment, Multi-Car, Multi-Policy, New Car, Paid in Full, Safe Driver and Student Away at School.
Three that get missed often: Student Away at School, if your kid is at the U of A without a car; Home Ownership, which applies whether or not the home is insured with Travelers and is separate from Multi-Policy; and Early Quote, which rewards shopping before your current policy expires rather than after the renewal lands. Stacking is where the money is — no single discount transforms a premium, but four or five together can. That audit is what we do at quote.
Is IntelliDrive available in Arkansas?
Yes — Arkansas is an IntelliDrive 365 state. Travelers runs two telematics programs and Arkansas gets the newer one. Enrolling carries a discount of up to 10% for the first policy term regardless of how you score, and 365 then scores your driving for the life of the policy rather than for an initial window. Safe driving can reduce your renewal premium by up to 35%, and there's a participation discount of up to 2% at each renewal if you record at least 50 trips in the previous six months.
It's a two-way rating factor, so it can also increase a renewal premium — which is worth understanding before you enroll rather than after. Ask us for the Travelers brochure and we'll walk it with you.
What does IntelliDrive 365 measure?
Braking, distraction, time of day and speed. It dropped acceleration, which the original IntelliDrive measured. Time of day deserves attention: driving during higher-risk hours can count against you even when you drive well, which matters if your work puts you on the road late.
All eligible drivers in the household must enroll at new business, you need 50 trips in 365 days for renewal sufficiency, and Travelers states driving data is used both to rate policies and for claim services. Certain trips can be corrected, including removing a distraction event when a passenger was the one using the phone, though correcting too many can get a driver removed from the program. The app also includes crash detection, which can pinpoint your location and connect you with help.
Do I need uninsured motorist coverage in Arkansas?
Arkansas requires that it be offered and lets you reject it in writing — so legally, no. Practically, it's the coverage that matters most here. Arkansas is an at-fault state, meaning the driver who causes a crash pays through their liability coverage. But roughly one in six Arkansas drivers is uninsured.
If one of them hits you and you rejected uninsured motorist coverage, there's no liability policy to collect from and your own policy won't pay for your injuries either. Plenty of drivers rejected it without registering that they did — it was a line on a form during a phone call. Check yours; it takes five minutes.
Should I file an auto claim with Travelers or the other driver's insurance?
It depends on how clear fault is and how quickly you need the car. Going through the at-fault driver's carrier means no deductible for you, but you wait on their adjuster to accept fault. Filing with Travelers is usually faster — you pay your deductible up front, and if Travelers recovers from the other carrier, you typically get it back.
Travelers offers a pre-claim service called Loss Consultation for exactly this question: a consultant reviews your policy, talks through what happened and helps you decide, and takes the claim on the spot if you go ahead. Call 1.800.252.4633, or call us at (479) 286-1066 — whether to file at all is a question worth asking someone who isn't the one paying.
Are Arkansas minimum limits of 25/50/25 enough?
They're enough to be legal. They're frequently not enough to cover a serious accident. Arkansas minimums are $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. One hospitalization can clear $25,000; a newer truck totaled in a multi-car crash can clear $25,000 in property damage on its own.
Arkansas is an at-fault state, so when limits run out the rest of the claim doesn't disappear — it comes to you personally. Minimum limits are a compliance product, not a protection plan. Statements about Arkansas law are general information, not legal advice.
Is hail damage to my car covered by Travelers?
Hail damage to a vehicle is a comprehensive claim, not collision — so it's covered if you carry comprehensive, which is optional in Arkansas but required by any lender.
This matters more here than in most of the country: Northwest Arkansas sits in an active hail corridor, and a storm that damages your roof often damages the cars in the driveway at the same time. Deer strikes are comprehensive too, and Benton and Washington counties produce plenty of those. Dropping comprehensive to save premium reads differently in Arkansas than it does in a city.
How long do I have to insure a car I just bought in Arkansas?
Act 41 of 2023 gives you 60 days to register a newly purchased vehicle in Arkansas. That's a registration window, not an insurance grace period — coverage needs to be in force before you drive off the lot.
Call us before you sign and we'll have it bound. Adding a vehicle takes minutes; unwinding a coverage gap does not.
How do I get a Travelers auto insurance 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 have is faster than answering questions about it, and it's how we find the discounts you're missing.
As an independent agency appointed with 40+ carriers, we quote Travelers alongside our other markets and place the coverage that fits, including when that's not Travelers.
If our insurance guides and coverage comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas drivers can find our local explanations.
Do you actually carry uninsured motorist coverage?
Most people aren't sure. In a state where one driver in six is uninsured, that's the answer worth knowing. Send us your current declarations page — we'll read it back to you in plain English, tell you which of the sixteen discounts you're missing, walk the IntelliDrive decision with you, and quote it across our markets. Travelers is one of 40+ carriers we represent, so if it's the right fit we'll tell you, and if it isn't, we'll tell you that too.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Travelers, and this page is not written, reviewed, endorsed, sponsored or approved by Travelers. "Travelers," the Travelers Umbrella logo, "Quantum Auto 2.0," "IntelliDrive," "IntelliDrive 365," "Decreasing Deductible" and "MyTravelers" are trademarks of The Travelers Indemnity Company and its affiliates, used here nominatively to identify a carrier we represent. Travelers policies placed by this agency are issued by Travelers affiliates.
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. Any description of coverage here is necessarily simplified and is not a contract; whether a particular loss is covered depends on the specific facts and on the provisions, exclusions and limits of the actual policy. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting Travelers' underwriting criteria and to state availability, are set by the carrier, and are subject to change; not all features are available in all states. Only the issued policy determines actual terms and conditions of coverage. If anything on this page conflicts with the issued policy, the policy controls.
Telematics programs are subject to state availability and individual eligibility. Smartphones must meet compatibility requirements and drivers must be able to download and use the app. IntelliDrive 365 is a two-way rating factor: safe driving may reduce renewal premium and riskier driving may increase it. Individual savings vary, not all policies will see a savings, and savings are not guaranteed. Individual driving data is used to rate policies and for claim services. Percentages shown are the maximums Travelers publishes and are not a representation of what any individual will receive. Ask us for Travelers' current program brochure for full program details.
Discounts are subject to eligibility and state availability; savings may vary and are not guaranteed. Cost figures reflect personal lines policies placed through Cribb Insurance Group across our markets and are not a quote, not carrier-specific, and not a guarantee of your rate. Statements about Arkansas law are general information, not legal advice; Arkansas minimum limits described are personal auto figures and do not apply to commercial vehicles.
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++ rating described applies to the main pool subsidiaries of The Travelers Companies rather than to every Travelers affiliate.
Last reviewed July 2026.