Arbella Insurance review 2023
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At a glance
Cost & ratings
Cost & ratings
About Bankrate Score
Bankrate’s Arbella Insurance review shows that the company could be a good choice for those who want local agent access for their auto and home coverage. However, the company’s personal insurance options are limited to only three New England states, so it’s not an option for everyone.
Low average auto and home rates
Local agents available
Limited state availability
Does not sell life insurance
Arbella car insurance
Arbella car insurance includes coverage options specifically tailored toward drivers in Connecticut, Massachusetts and New Hampshire. The company offers many of the standard insurance coverage options found with most insurance carriers, but also offers some add-on features that drivers in snowy states may appreciate. This includes a snowplow endorsement, which provides coverage with a $200 deductible for a snow plow installed in a vehicle. Arbella also offers optional gap insurance, accident forgiveness and personal property coverage for items left inside the vehicle. Keep in mind that available options may vary by state.
To find the best car insurance, Bankrate reviews dozens of car insurance companies. We analyze each average annual premium from Quadrant Information Services as well as policy features and discounts. We also consider a company’s rating from third-party agencies, such as AM Best and J.D. Power, for financial strength and customer satisfaction. The higher a company performs in each of these categories, the higher their overall Bankrate Score, for a maximum score of 5.0 out of 5.0.
Pros and cons of Arbella car insurance
Arbella could be a good fit for some drivers, but like all car insurance companies, it has its perks and drawbacks.
Unique endorsements available
Local agencies available
Online claims filing available
Only available in three states
Limited data regarding customer satisfaction
No ridesharing coverage
Arbella car insurance cost
Car insurance premiums with Arbella are generally more affordable than the national average. A full coverage car insurance policy with Arbella costs an average of $1,551 per year. The average cost of car insurance throughout the nation is $2,014 per year for the same amount of coverage. Similarly, minimum coverage from Arbella is also cheaper at $445 per year on average with Arbella compared to $622 per year nationally.
Arbella car insurance rates by driving history
According to Bankrate’s research into average rates — which spans multiple years — Arbella consistently offers cheap car insurance rates, on average, across a range of driving incidents, including having a single speeding ticket or a single at-fault accident on your motor vehicle record. We did not factor DUI rates into our analysis, as not all companies accept drivers with DUI convictions. If you have a DUI, contact Arbella to see if you qualify for a car insurance quote.
Arbella average monthly full coverage premium Arbella average annual full coverage premium National average annual full coverage premium Clean driving history $129 $1,551 $2,014 Speeding ticket conviction $142 $1,701 $2,427 At-fault accident $172 $2,061 $2,854 Arbella average monthly minimum coverage premium Arbella average annual minimum coverage premium National average annual minimum coverage premium Clean driving history $37 $445 $622 Speeding ticket conviction $41 $493 $748 At-fault accident $51 $610 $892
Arbella car insurance quotes by age
Age is a major factor used when determining car insurance rates, with younger drivers tending to pay higher premiums. Comparing car insurance rates, especially for young drivers, can be a helpful strategy when shopping for coverage. Arbella offers lower-than-average rates across a range of ages. Young drivers will usually be cheaper to insure if they’re on their parents’ policy, but Arbella even offers lower average rates for 18-year-olds who have their own coverage. Keep in mind these rates are based on a clean driving record, so if your teen has driving incidents, rates will likely be higher. You’ll notice that many of the rates in the tables below are similar or the same across different ages. This could be due to Arbella being a smaller company, meaning that the rate data we receive isn’t as robust as it is from larger companies.
Average cost of car insurance for drivers on their parent’s policy
Average cost of car insurance for drivers on their own policy
Arbella car insurance discounts
Arbella offers various car insurance discounts, but keep in mind that savings opportunities may vary depending on your state. If you want to save on your car insurance, some Arbella discount opportunities include:If you are an active military member and are deployed, you may be eligible for up to a 10 percent discount off your car insurance depending on the state you live in.If you have a young driver on your policy and they attend school without a car, you could save up to 10 percent.If you drive a hybrid or electric car, you could earn an additional discount on your car insurance.Drivers who switch their car insurance to Arbella might save up to 12 percent on their new coverage.
Arbella car tools and benefits
In addition to personal auto insurance, Arbella also offers motorcycle insurance, as well as commercial auto insurance for vehicles used for business.
Arbella home insurance
Finding the best homeowners insurance policy may depend on each company’s policy options. Our Arbella Insurance review shows that the company’s home offerings are fairly standard compared to other carriers in the home insurance industry, with fewer options for add-on coverage. However, those who are in need of home and auto insurance may find that Arbella’s affordable rates become even more so with the use of discounts. The company advertises that those who switch and bundle their insurance may be able to save up to 25 percent or more off their insurance premiums.
To round out your homeowners insurance with Arbella, the company offers a few endorsements, including a Home Cyber Protection policy to cover computer attacks, stolen personal information and even cyberbullying through smart phones, computers and other electronic devices at home. Homeowners may also be interested in the Home Systems Protection and Service Line coverage, which extends some coverage for repairs or replacement for breakdowns with home systems, such as a furnace or central air conditioning.
Pros and cons of Arbella homeowners insurance
Just like with its auto insurance, Arbella home insurance comes with pros and cons. Here are some of the upsides and downsides to its coverage:
Low average rates
Online claims filing is available
Fewer endorsements than some other carriers
Not rated by J.D. Power for customer service
Limited state availability
Arbella home insurance cost
Arbella tends to offer cheap home insurance rates when compared to national average costs. For a homeowners policy with $250,000 in dwelling coverage, the average premium with Arbella is $1,033 per year. Comparatively, the national average cost of homeowners insurance is $1,428 per year for the same coverage.
Dwelling coverage limit Arbella average annual premium National average annual premium $150,000 $762 $975 $250,000 $1,033 $1,428 $350,000 $1,300 $1,879 $450,000 $1,576 $2,343 $750,000 $2,532 $3,761
Arbella home insurance discounts
Arbella offers an impressive suite of home insurance discounts that might lower your premium. While comparing home quotes is still a good way to make sure you’re getting the right coverage and price for you, Arbella could be a good choice if you’re looking for low rates, based on its discounts. Just like with car insurance, Arbella home insurance discounts could vary by state.If your home is less than 10 years old, your home insurance policy could qualify for up to 20 percent in premium savings.You could get up to a three percent discount by renewing your policy each year and staying loyal to Arbella.Bundling your auto and home coverage with Arbella could save you up to 25 percent on your home policy.If you are a first-time homebuyer in Massachusetts and attend an Affordable Housing Alliance Workshop, you could qualify for a 10 percent discount on your home insurance for two years.
Arbella home tools and benefits
Arbella has partnered with Mass Save to give homeowners up to a five percent discount on their home insurance and an opportunity for more discounts and rebates from other program sponsors. To participate, homeowners must participate in an in-home energy assessment that will be shared with their insurance agent.
Arbella customer satisfaction
Arbella is a small, regional company, which means that it doesn’t have as many third-party reviews as larger carriers. The company does carry an A (Excellent) financial strength rating from AM Best, though, which speaks to the company’s historical ability to pay claims. It’s not the highest rating AM Best offers, but it is relatively high and could provide customers with peace of mind.
Arbella auto claims
Arbella wasn’t rated specifically for claims service by J.D. Power, but the company did receive a rating in the 2022 J.D. Power U.S. Auto Insurance Study, which looked at claims service and other metrics. In the New England region, Arbella received a score of 819 out of 1,000. The company was below the industry average by just a few points.
Arbella home claims
Because Arbella is a smaller company and J.D. Power doesn’t have a regional home insurance study, the carrier didn’t receive any rankings for customer satisfaction. It may be helpful to talk to current policyholders about Arbella’s service before buying a policy.
How to file a claim with Arbella
For a smaller company, Arbella offers several ways to file a claim, including:
- Calling 1-800-272-3552
- Filling out this online form
- Filing a claim through your online Arbella portal
- Reporting directly in the myArbella app
Arbella is limited in its availability, only offering auto, home and other personal insurance products in Connecticut, Massachusetts and New Hampshire. Commercial insurance products are also available in Rhode Island.
Other Arbella perks worth considering
In addition to home and car insurance, Arbella also sells the following insurance products:
- Rental property
Policyholders with Arbella were already able to manage their policies online through the myArbella online portal, but the company launched a mobile app in 2021 to allow customers to do the same on their phones and tablets as well.
Arbella corporate sustinability
Through its Arbella Insurance Foundation, the company has donated more than $36 million to charitable organizations since 2005. In 2021 alone, Arbella donated $3.5 million to 639 local charities. The insurer breaks down its charitable donations into several categories, including health and wellness, youth and families, hunger and homelessness, and inclusion and incorporation.
Not sure if Arbella is right for you? Consider these alternatives
If you’re shopping for insurance and are wondering what other companies to get quotes from, here are some options that compare to Arbella.
Arbella vs. Electric Insurance
Electric Insurance is available nationwide, but the company was started and is based in Massachusetts, which might make it a good option for New England residents. The company offers an array of discounts for its car and home insurance policies. Electric also has options for collector cars and recreational vehicles, which might be appealing to some.
Learn more: Electric Insurance review
Arbella vs. Ohio Mutual
Despite the name, Ohio Mutual does serve the New England area, along with the Midwest. This company offers a long list of coverage options for home and auto insurance, and might be ideal for those who want to have their insurance handled all in one place. Additionally, those seeking farm insurance may find Ohio Mutual to be an attractive option, as Arbella does not offer farm coverage.
Arbella vs. Amica
Of the companies presented, Amica is the largest carrier on our list and might be a good option if stellar service is your top priority. The company earned the highest rating in the New England region in the 2022 J.D. Power U.S. Auto Insurance Study. Amica offers a unique feature that Arbella doesn’t have: dividend policies. If you choose this option, you might get a portion of your policy premium back every year in the form of a dividend. You can learn more about Amica’s products at www.Amica.com.
Learn more: Amica Insurance review
Is Arbella a good insurance company?
Our insurance editorial team — comprising three licensed insurance agents — has researched hundreds of insurance companies, including rates, coverage and third-party ratings. While Arbella is a smaller insurance company and not the most widely known outside of New England, its coverage offerings are fairly robust for an insurer of its size and the lower-than-average premiums are attractive. Arbella especially stands out with its easy-to-use digital tools, which are often lacking or underdeveloped in smaller companies. Drivers and homeowners in Connecticut, Massachusetts and New Hampshire may want to get a quote from Arbella as they shop for coverage.46years of industry expertise122carriers reviewed20.7KZIP codes examined1.2Mquotes analyzed
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.
The rates for drivers ages 16–20 added to their parent's policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.
- Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.On This Page