Arbella Car Insurance

Key Points:

• Arbella offers car insurance policies in four New England states: Connecticut, Massachusetts, New Hampshire, and Rhode Island.
• Arbella holds an A+ rating from the Better Business Bureau (BBB).
• Our team rates Arbella highly in the cost category thanks to its long list of discounts.

Arbella is a local insurance company that covers drivers in just four states: Massachusetts, Connecticut, New Hampshire, and Rhode Island. Our team wanted to see how this New England provider stacked up against the best car insurance companies in the U.S., so we studied the costs, coverage, discounts, and reviews for Arbella car insurance.

This review covers just about everything you’d want to know about Arbella. You can use the information in this review to see if the company’s insurance rates and policies are right for you.

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Arbella Insurance Highlights

Arbella is a small, local insurance company that provides policies for home insurance, car insurance, motorcycle insurance, business insurance, umbrella insurance, and more. Founded in 1988 in Quincy, Massachusetts, Arbella has a reputation for high-quality, personalized customer service for motorists in New England states.

Drivers who prefer working with local businesses may prefer Arbella over a large, nationwide corporation. To get a quote, you’ll speak with a local, independent insurance agent. This adds a personal touch that you can’t get from an online quote process. However, if you prefer the convenience of being able to get a quote online or if you live outside of the states it services, Arbella car insurance might not be for you.

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What Does Arbella Car Insurance Cover?

Arbella offers standard types of auto insurance such as liability insurance, as well as a few additional options. According to its website, Arbella offers the following insurance products:

• Liability coverage: Coverage for losses that cause bodily injury or property damage to third parties.
• Personal injury protection (PIP): For all car occupants on a no-fault basis.
• Comprehensive coverage: Coverage for physical damage to your car due to a collision, theft, or vandalism.

In addition to these standard coverages, customers can purchase:

• GAP coverage: Guaranteed Asset Protection (GAP) insurance covers the difference between your vehicle’s actual cash value and the amount you owe if your vehicle is totaled in an accident.
• Customer care package: Qualifying customers will receive enhancements like new vehicle replacement coverage, enhanced substitute transportation coverage, and enhanced towing and labor, among others perks.

Arbella also offers the following add-on protections:

• Disappearing deductible rewards plus: Lowers your deductible for years without any at-fault accidents.
• Accident forgiveness: Waives the surcharge for any accidents you have while covered by this policy.
• Pet protection: Covers up to $500 in veterinarian fees if your cat or dog is injured in a car accident.
• Personal property package: Covers damage to personal items that were in your car during an accident. Different items have different coverage limits.

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Arbella Car Insurance Cost

The cost of car insurance depends on many factors such as your age, location, vehicle, and driving record. Because everyone’s quotes are personalized, we are unable to provide specific cost information for a policy from Arbella.

We gathered average full-coverage car insurance rates for the four states Arbella covers. The following annual cost estimates are for the following driver profile:

• Male
• Single
• 30-year-old
• Good credit
• Clean driving record
• Owner of a 2020 Honda CR-V

Car Insurance Cost By State

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Arbella Insurance Discounts

Arbella offers separate discounts for customers in New England to help them save on their policies. Here are some of the main discounts available:

• Save and Bundle: Save 20 percent or more for switching to Arbella and insuring both your car and your home.
• Good Student: Save up to five percent with this good student discount for maintaining a “B” or higher average.
• Military Away: Drivers deployed on duty can save 10 percent.
• Pay In Full: Save six percent for paying your premium in full.
• Energy-Saving Vehicles: Save up to 10 percent for owning this type of vehicle.
• Multi-Vehicle: Save up to two percent for insuring more than one car.
• Anti-Theft Device: Save up to 36 percent for having an anti-theft device installed in your vehicle, depending on the type.
• Drive Less, Pay Less: Save up to 10 percent on certain coverages if you drive less than 10,000 miles a year.
• Student Away: Earn up to five percent off for having a student away at school.
• Advanced Driver Training: Complete certain training programs and save five percent.

These may not be all of the discounts available to policyholders in each state. You can always reach out to a local agent for more information about how you can lower your premiums.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium. What’s best for your neighbor might not be best for you.

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Arbella Insurance Reviews And Ratings

As we mentioned earlier, Arbella has superior customer service. According to the National Association of Insurance Commissioners (NAIC), Arbella received fewer than the median number of complaints for insurance companies of its size. That’s an important consideration for most.

Unfortunately, Arbella didn’t score very well on Yelp, receiving only 1.4 stars out of 5.0 based on 125 reviews. However, it’s important to note that customers usually don’t deal with their insurance companies unless an accident occurs, so most people writing reviews are stressed out to some degree. Across the board, we’ve seen very low customer ratings for insurance companies, the highest being somewhere around 2.5 out of 5.0 stars.

The BBB gave Arbella an A+ rating, and the company has been accredited since 2009, it currently has just over one star for customer reviews.

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Arbella Auto Insurance: Our Take

We give Arbella an overall rating of 4.1 out of 5.0 stars. The regional provider receives especially strong ratings in the reliability and cost categories.

For motorists who want an insurance experience that’s unique to their state and enjoy talking to their insurance agent over managing their policy online, Arbella auto insurance is a fine choice for coverage. There’s a large number of discounts and coverage options, and Arbella has good customer satisfaction ratings.

However, Arbella’s financial strength rating is a bit lower than we’d like (an A, compared to A++ for many national providers). The company doesn’t provide the same convenience in getting quotes or managing your policy as other insurance providers.

Here’s a final overview of the pros and cons of Arbella car insurance:

Arbella Car Insurance Pros and Cons

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Our Recommended Providers

If Arbella auto insurance isn’t a good fit, take a look at these providers to see if something fits the bill for you.

USAA Auto Insurance: Best For Military Members

Active military members, veterans, and their families will appreciate USAA’s auto insurance for its fantastic rates, great customer service, and good coverage options. USAA has been in business since 1922 and over the past century, the company has built a name for itself as a leading force in the insurance industry. USAA has received an A++ financial strength rating from AM Best, so it should have no issues fulfilling claims.

In our USAA auto insurance review, we find the company to be one of the best and most affordable insurance providers in the U.S. Most Americans, however, won’t be able to enjoy coverage from USAA because they’re offered exclusively to military members, veterans, and their families. If you are lucky enough to be eligible for USAA coverage, it should go on the top of your list.

Travelers: Best Coverage Options

With an A++ financial strength rating from AM Best and an A rating from the BBB, you can trust Travelers auto insurance. We also like the company’s well-reviewed telematics program and mobile app. Accident forgiveness, new car replacement, GAP coverage, and rideshare insurance are a few of the add-on protections you can get from Travelers. 

Read more in our full Travelers auto insurance review.

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Arbella Car Insurance: FAQ

Below are some frequently asked questions about Arbella auto insurance.

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How We Rate Arbella Car Insurance

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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