Travelers Auto Insurance in Arkansas: Coverages, All 16 Discounts, and the IntelliDrive 365 Tradeoff
A product-level breakdown from Cribb Insurance Group — an independent agency in Bentonville appointed with Travelers and 40+ other carriers.
Short Answer
Travelers writes Arkansas personal auto on Quantum Auto 2.0: standard base coverages, ten optional coverages including Accident Forgiveness and Decreasing Deductible, and sixteen discounts. Its telematics program in Arkansas is IntelliDrive 365, which can cut renewal premium up to 35% for safe driving — or raise it up to 45%.
How the Travelers Auto Policy Is Built
Travelers writes personal auto on Quantum Auto 2.0, its current auto product. Travelers has been converting legacy Quantum Auto policies onto it automatically, with converted customers receiving the new policy within two months of their effective date — so if you've had a Travelers auto policy for a few years, it may have moved to this product without you doing anything.
Quantum Auto 2.0 is built from base coverages, a set of optional coverages, and a long list of discounts applied against what you qualify for. The sections below cover each.
Coverage details below come from Travelers' countrywide auto materials and are subject to state availability and underwriting. The one item confirmed available in Arkansas by name is IntelliDrive 365. We verify the rest on your specific quote.
Base Coverages and What Arkansas Requires
Travelers' base auto coverages are the standard set: bodily injury, property damage liability, medical payments, collision and comprehensive. What Arkansas requires of them is a separate question, and the gap between the two is where most of the trouble lives.
| 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 |
Arkansas minimum liability limits are 25/50/25. [[VERIFY]] Travelers' available limit options and deductible choices per coverage part are not in the supplied documents — confirm at quote.
The Ten Optional Coverages
These are the add-ons that separate one Travelers auto policy from another. Most people carry a handful without knowing which, which is why this 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. |
Source: Travelers auto product materials. Coverage options, limits, discounts and deductibles are subject to individuals meeting Travelers' underwriting criteria and to state availability; not all features are available in all states. [[VERIFY AR]]
Which of these actually matter in Northwest Arkansas
Glass Deductible. Highway 49 and I-49 throw rock. Windshield claims here are routine, and an unendorsed comprehensive deductible eats the whole repair.
New Car Replacement and Loan or Lease Gap. Different coverages solving different halves of the same problem. Replacement gets you a new car; Gap covers what you still owe. If you financed with little down, you likely need to think about both.
The forgiveness pair
Accident Forgiveness and Minor Violation Forgiveness are separate coverages doing similar work at different severities. Both matter more if you're carrying a teen driver, where a single at-fault accident or first speeding ticket can move premium sharply.
Neither is a substitute for the other, and carrying one doesn't mean you carry both.
IntelliDrive 365 in Arkansas: How It Actually Works
Travelers runs two telematics programs — the original IntelliDrive® and the newer IntelliDrive® 365. Both use a smartphone app to score how you drive and adjust premium accordingly.
Arkansas is an IntelliDrive 365 state. Travelers lists Arkansas in the 365 rollout, and the original IntelliDrive is offered in Quantum Auto 2.0 states except the 365 rollout states. If you're insuring a car in Bentonville, Rogers or Springdale, 365 is the program on the table.
The part that isn't in the advertising
Telematics is sold as a discount. It isn't only a discount — it's a two-way rating factor, and in Arkansas the downside is larger than the upside.
With IntelliDrive 365, safer driving can reduce your renewal premium by up to 35%. Riskier driving can increase it by up to 45%. Travelers carves Montana and North Carolina out of the increase. Arkansas is not carved out.
That doesn't make it a bad deal — for most careful drivers it's a good one, and it starts with an enrollment discount of up to 10% in the first term regardless of how you score. But it is a bet, the app is the referee, and you should know that going in rather than discovering it on a renewal notice.
IntelliDrive vs. IntelliDrive 365
Arkansas gets the right-hand column. The left is here so you can see what changed.
| IntelliDrive | IntelliDrive 365 (Arkansas) | |
|---|---|---|
| Assessment period | 90 days | Ongoing, for the life of the policy |
| Who must enroll | At least the named insured or spouse; up to all eligible drivers | All eligible drivers must enroll at new business |
| Renewal sufficiency | 500 miles in 90 days | 50 trips in 365 days |
| Behaviors measured | Acceleration, braking, distraction, time of day, speed | Braking, distraction, time of day, speed |
| Trip corrections | Certain trips correctable within 10 days (driver, passenger) | Adds the ability to remove a distraction event when a passenger used the phone. Correcting too many trips can get a driver removed from the program. |
| Enrollment discount | Up to 10%, first policy term | Up to 10%, first policy term |
| Renewal participation discount | None | Up to 2% at each renewal — requires 50 trips in the last 6 months |
| Premium impact at renewal | Up to 30% savings for safer driving; riskier driving may increase premium up to 30% | Up to 35% savings for safer driving; riskier driving may increase premium up to 45% |
Source: Travelers IntelliDrive program comparison materials. 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. Individual savings vary and not all policies will see a savings. Individual driving data is used to rate policies and for claim services.
Three things worth knowing before you enroll
Everyone has to be in. At new business, all eligible drivers must enroll in 365. If you have a teen who won't install it or a spouse who won't, the program isn't available to your household.
It never stops scoring. The original IntelliDrive assessed for 90 days and was done. 365 scores for the life of the policy, and adjusts at every renewal.
Your data rates your policy — and touches claims. Travelers states that individual driving data is used both to rate policies and for claim services. That's worth understanding before you opt in.
What it measures — and what it stopped measuring
365 scores braking, distraction, time of day and speed. Notably, it dropped acceleration, which the original IntelliDrive measured.
"Time of day" deserves attention: driving during high-risk hours can count against you even when you drive well. If your work has you on the road late, that's a factor you can't coach your way out of.
The 365 app also includes crash detection — if it detects a crash, it can pinpoint your location and connect you with help.
How Arkansas Law Shapes This Policy
Arkansas is an at-fault state — and that's the whole game
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.
25/50/25 is a floor, not a plan
Arkansas minimums are $25,000 per person and $50,000 per accident for bodily injury, and $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.
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. Unwinding a coverage gap does not.
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.
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.
All Sixteen Travelers Auto Discounts
Travelers publishes sixteen auto discounts. Most drivers qualify for several and are told about two. Read the list and ask about the ones that fit you — that's a two-minute conversation that pays.
Source: Travelers auto product materials. Discounts are subject to eligibility and state availability. Savings may vary and are not guaranteed. [[VERIFY AR]]
The ones people miss
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 — separate from Multi-Policy.
Early Quote. Rewards shopping before your current policy expires. Waiting until the renewal lands can cost you this one.
Stacking is where the money is
No single discount here transforms a premium. Four or five together can. Multi-Policy plus Multi-Car plus Paid in Full plus EFT plus Home Ownership is an ordinary suburban household — and it's a meaningfully different number than the same household with two of them applied.
That's the audit we do at quote, and it's the one thing a rate comparison site structurally cannot do for you.
How a Travelers Auto Claim Works
Loss Consultation — before you file
Travelers runs a pre-claim service called Loss Consultation 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. If you choose to file, they take the claim on the spot.
Travelers lists the questions people most often bring to it on the auto side: Should I file a claim with Travelers or the other carrier? What is my deductible? Will my rate increase if I file a claim?
1.800.252.4633 — Loss Consultation runs Monday–Friday, 8 a.m.–6 p.m. EST, with a callback 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.
Reporting a claim
Travelers takes auto claims by phone or online, 24 hours a day, 365 days a year:
Phone — 1.800.252.4633
Online — travelers.com/claims/file-claim/individual, through MyTravelers® or without logging in
Mobile — the MyTravelers® app, 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 auto repair shops if you don't have a shop in mind. Once a claim is open, claim professionals are available Monday–Friday, 8 a.m.–5 p.m. local time.
You can also call us at (479) 286-1066.
Financial strength
A.M. Best affirmed a Financial Strength Rating of A++ (Superior) with a stable outlook for the main subsidiaries of The Travelers Companies — collectively the Travelers Group — on August 8, 2025. A++ is the highest rating on A.M. Best's scale.
The rating applies to the main pool subsidiaries rather than every Travelers affiliate; individual affiliates are rated separately. Ratings change — the current rating is always at ambest.com.
What Full Coverage Auto Costs in Northwest Arkansas
Full-coverage auto premiums placed through our agency generally land between $79 and $105 per month. Where a specific driver falls in that range depends on vehicle, driving record, limits selected, deductibles, household drivers, which optional coverages are on the policy, and rating factors permitted under Arkansas law.
Figures reflect policies placed by Cribb Insurance Group across our markets. They are not a quote, are not specific to Travelers, and are not a guarantee of rate. Individual premiums vary by risk characteristics, carrier and underwriting.
Other Lines Travelers Writes Through Our Agency
Travelers Auto Insurance in Arkansas: Common Questions
Is IntelliDrive available in Arkansas?
Yes — Arkansas is an IntelliDrive 365 state. Travelers runs two telematics programs, and Arkansas gets the newer one: the original IntelliDrive is offered in Quantum Auto 2.0 states except those where 365 has rolled out, and Arkansas is on the 365 list. Enrollment carries a discount of up to 10% for the first policy term, and 365 then scores your driving for the life of the policy rather than for an initial 90-day window.
Can IntelliDrive 365 raise my rate in Arkansas?
Yes. This is the part the advertising doesn't lead with. IntelliDrive 365 is a two-way rating factor: safer driving can lower your renewal premium by up to 35%, and riskier driving can raise it by up to 45%. Travelers exempts Montana and North Carolina from the increase — Arkansas is not exempt. For most careful drivers it's still a good bet, and the first-term enrollment discount of up to 10% applies regardless of how you score. But you should enroll knowing it can go both ways.
What does IntelliDrive 365 measure?
Braking, distraction, time of day and speed. It dropped acceleration, which the original IntelliDrive measured. Time of day is worth noting — 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. The app also includes crash detection.
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. Many drivers rejected it without realizing — it was a line on a form. Check yours.
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: call 1.800.252.4633, Monday–Friday 8 a.m.–6 p.m. EST. You can also call us at (479) 286-1066.
Are Arkansas minimum limits of 25/50/25 enough?
They're enough to be legal. They are 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. When limits run out, the rest of the claim comes to you personally. Minimum limits are a compliance product, not a protection plan.
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.
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.
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. As an independent agency appointed with 40+ carriers, we quote Travelers alongside our other markets and place the coverage that fits.
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Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. 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. This page is authored independently by Cribb Insurance Group and is not written, reviewed, sponsored or endorsed by Travelers. 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, and not all features are available in all states. Telematics programs are subject to state availability and individual eligibility; smartphones must meet compatibility requirements, individual savings vary, not all policies will see a savings, and savings are not guaranteed. Statements about Arkansas law are general information, not legal advice. Only the issued policy determines actual terms and conditions of coverage. Nothing on this page is an offer of insurance or a guarantee of coverage or rate.