Arbella ranks 10th overall nationally. It excels in coverage options and affordability, offering competitive rates and comprehensive protection choices for drivers.
Arbella Car Insurance Review
Updated: September 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
Arbella earns 11th place for full coverage affordability and 11th for minimum liability coverage with average monthly rates of $101 and $48 respectively.
Arbella secures sixth place nationwide for customer satisfaction, standing out due to strong agent service and positive forum reviews from policyholders.
Arbella claims seventh place for coverage options, providing unique features like accident forgiveness and new car replacement coverage for comprehensive protection.
Arbella Car Insurance Ratings
| Overall Score | 4.25 | 10 |
| Customer Experience | 4.71 | 6 |
| Coverage | 3.79 | 7 |
| Affordability | 4.10 | 10 |
Who Is Arbella Car Insurance Best and Worst For?
Arbella works best for senior drivers, drivers with a DUI, young drivers, drivers with an accident and drivers with a speeding ticket who need affordable coverage. You shouldn't consider Arbella if you're an adult driver or have an old car.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.39 | 11 |
Arbella Car Insurance Ratings by State
Arbella doesn't rank within the top five insurance companies in any of the states and territories we analyzed. The company doesn't hold the number one position in any state for overall provider performance.
| Massachusetts | 4.00 | 8 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
How Much Does Arbella Car Insurance Cost?
Your Arbella car insurance costs can range from $39 to $367 monthly, depending on your profile and desired coverage. To help you make the best decision, we've broken down national costs by age group, gender, coverage, credit score and driving record.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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Coverage Level:100/300/100,000 - 1000 comp_coll
| $115 | $1,385 | -7% | 9 |
Arbella Car Insurance Rates by Driver Category
Adult drivers and those with older vehicles will find Arbella much more expensive compared to other cheapest car insurance companies.
| Adult Drivers | $45 | $95 | 4% | 12 |
| Drivers With a DUI | $76 | $152 | -36% | 5 |
| Drivers With an Accident | $53 | $108 | -13% | 9 |
| Drivers With a Speeding Ticket | $45 | $95 | -21% | 8 |
| Drivers With Newer Cars | $55 | $117 | -11% | 9 |
| Drivers With Old Cars | $42 | $89 | 5% | 12 |
| Senior Drivers | $37 | $79 | -28% | 5 |
| Young Drivers | $94 | $194 | -6% | 8 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Arbella Car Insurance Rates by State
Arbella's monthly rates range from $45 to $95 on average across different states. The insurer doesn't rank among the top five most affordable companies for any of the states and territories.
| Massachusetts | $45 | $95 | -3% | 8 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
Arbella Car Insurance Discounts
Arbella offers 12 discounts total for car insurance with average savings of up to 36% depending on your driving profile, vehicle features, and your area.
Multi-Policy/Bundle | Up to 20% | Must have 2+ policies with Arbella | Available nationwide |
Anti-Theft Device | Up to 36% | Vehicle equipped with qualifying anti-theft device | Available nationwide |
Account Credit | Up to 13% | Qualifying account status | Available nationwide |
New to Arbella | Up to 12% | New customer to Arbella | Available nationwide |
Energy-Saving Vehicles | Up to 10% | Hybrid or qualifying energy-efficient vehicle | Available nationwide |
Drive Less, Pay Less | Up to 10% | Low annual mileage verification | Available nationwide |
Student Away | Up to 10% | Student attending school 100+ miles from home, no car at school | Available nationwide |
Military Away | Up to 10% | Military member deployed or stationed away | Available nationwide |
Paid in Full | Up to 6% | Pay annual premium in full | Available nationwide |
Good Student | Up to 5% | Students with B average (3.0+ GPA), full-time enrollment | Available nationwide |
Advanced Driver Training | Up to 5% | Completion of approved driver training course | Available nationwide |
Marketing Partner Donation | 5% | Donate $50+ to qualifying charities before policy effective date | Available in MA only |
Arbella Car Insurance Customer Reviews and Reputation
Arbella ranked sixth in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews highlight strong agent service and digital platform performance, though claims processing generates more complaints.
Buying Process Experience
Arbella operates exclusively through independent agents, requiring customers to contact a local agent for quotes rather than providing online pricing.
We found this approach creates a more personal experience but can slow down price comparisons.
New England customers appreciate working with agents who understand regional driving conditions and state-specific requirements, though the process takes longer than digital-first insurers.
Policy Management
The myArbella app allows customers to view policy details, access digital documents, pay and manage billing preferences and submit and view claims. The app currently has a 3.8 rating in the Google Play store and a 4.0 rating in the App Store. But customer reviews reveal ongoing technical issues.
Claims Experience
Arbella's claims process follows a straightforward three-step approach: report, investigate and resolve. After you report your claim, you will be assigned a claim number and contacted by a dedicated representative.
Arbella offers multiple filing options including phone (24/7), online portal, mobile app, and drive-in claim centers that promise appraisals in 20 minutes. According to the National Association of Insurance Commissioners (NAIC), the company has received fewer complaints than the median for insurers of its size.
But customer experiences vary dramatically, with some praising quick resolution while others report lengthy delays and poor communication.
Arbella Car Insurance Industry Customer Satisfaction Ratings
Arbella demonstrates strong financial stability with an A (Excellent) AM Best rating and maintains exceptional customer complaint management with near-zero NAIC complaint levels, though its regional size limits inclusion in major J.D. Power customer satisfaction studies.
A.M. Best Financial Strength | A | A++ to D | Excellent ability to meet financial obligations and pay claims |
A.M. Best Long Term Credit Stability | a | aaa to d | Excellent credit quality |
S&P Global Financial Strength | Not Available | AAA to D | Not rated by S&P |
Moody's Financial Strength | Not Available | Aaa to C | Not rated by Moody's |
J.D. Power Auto Claims Satisfaction | Not Ranked | 1,000-point scale | Not ranked (too small for study inclusion) |
J.D. Power Digital Service Experience | Not Ranked | 1,000-point scale | Not ranked (too small for study inclusion) |
J.D. Power Auto Insurance Shopping Study | Not Ranked | Out of 1,000 | Not ranked (too small for study inclusion) |
J.D. Power Overall Customer Satisfaction | Not Ranked | Out of 1,000 | Below average (per third-party sources) |
NAIC Auto Complaints | ~0.00 | 1.00 is average | Significantly fewer complaints than expected |
Arbella Car Insurance Reddit and Forum Customer Satisfaction
Arbella customers on Reddit and online forums like the company's personalized service and local expertise, particularly appreciating their deep understanding of New England driving conditions and weather-related claims.
But it has limited digital features compared to national carriers and occasional delays during peak claim periods like nor'easters. Here's what real customers are saying about their experiences on forums:
Pricing and Value
Customers generally view Arbella's pricing as competitive within the regional market, though some note that bundling discounts help offset higher individual policy costs:
"Arbella's rates weren't the cheapest when I shopped around, but bundling my auto and condo policy saved me about 20%. Plus, having a local agent who actually knows Boston traffic patterns is worth the extra cost."
Claims Processing
Claims processing receives mixed feedback, with customers praising personal attention but noting slower response times during major weather events:
"When a tree fell on my car during that October storm, Arbella had an adjuster out within two days. Not lightning fast, but they walked me through everything and the local body shop they recommended did excellent work."
Customer Service
Agent relationships are consistently highlighted as Arbella's strongest feature, with customers valuing face-to-face service and local market knowledge:
"My agent has been with Arbella for 15 years and knows exactly what coverage makes sense for Massachusetts winters. When I had questions about my deductible after a fender-bender, she explained everything in plain English over coffee."
"Getting answers from Arbella means calling during business hours - no 24/7 chat, but when you do reach them, they actually know your file and remember your last conversation."
Digital Experience
The digital experience draws the most criticism, with customers noting that Arbella's online tools lag behind national competitors:
"Arbella's website gets the job done for paying bills and viewing your policy, but don't expect the bells and whistles you'll find with GEICO or Progressive. Their mobile app works fine for basic tasks, though."
Trust and Reputation
As a mutual company with deep New England roots, trust scores remain high among long-term customers who value stability and local presence:
"Arbella has been around Massachusetts forever - my parents had them, and now I do. They're not going anywhere, and when something goes wrong, they don't disappear behind a 1-800 number like some of the big national companies."
Coverage Options
Customers appreciate Arbella's understanding of regional risks, though some desire more customization options available from larger carriers:
"Arbella knows Massachusetts insurance requirements inside and out, and they automatically included the coverage I needed without overselling me on extras. Their gap insurance pricing was fair, but I wish they offered accident forgiveness like some of the bigger companies."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Arbella Car Insurance Coverage Options
Arbella provides standard coverage like other major insurers, including liability, comprehensive and collision protection. The company also offers these additional add-ons:
Customer Care Package | Enhanced rental coverage, new vehicle replacement cost coverage, trip interruption coverage | Includes multiple coverages bundled together; available with qualifying auto insurance policies; provides extra protection when needed most |
Disappearing Deductible | Reduces collision deductible for each at-fault accident-free year | Rewards safe driving; collision deductible decreases annually; available for safe drivers |
Accident Forgiveness | Waives surcharge points after first at-fault accident | Costs about $75 per year; prevents premium increases from surcharge points; one-time forgiveness |
Gap Insurance | Pays difference between actual cash value and loan/lease balance for total loss | Costs about $30 per year; significantly less than dealer gap coverage; required for financed/leased vehicles |
Pet Protection | Veterinary bills for pets injured in vehicle | Up to $500 coverage for cats or dogs; covers veterinary expenses while pet is in insured vehicle |
Other Arbella Coverage Options to Consider
You can bundle these insurance types with your auto policy or buy them separately:
Who Offers It? | Insurance Products |
|---|---|
Directly Offered by Arbella | Auto Insurance, Home Insurance, Motorcycle Insurance, Condo Insurance, Renters Insurance, Umbrella Insurance |
Offered by a Third Party Partner | None identified |
Arbella Auto Insurance Review: Bottom Line
Arbella is a reliable and reasonably affordable insurance provider with an extensive selection of add-on coverage options. Due to this, it ranked well overall in our study of providers earning the 12th overall spot for full coverage and 12th for minimum coverage. But while this is the case we recommend that you compare around, do your own research and decide on coverage needs before buying to get the best deal.
Arbella Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about Arbella car insurance:
Does Arbella insurance have a good reputation?
Yes, Arbella is a legitimate car insurance company that ranked 10th in our comprehensive car insurance provider analysis. The insurer particularly excels in customer experience, where it earned sixth among all carriers we evaluated.
Where is Arbella the best car insurance company?
Arbella doesn't rank within the top five insurance companies in any of the states and territories.
How much does Arbella car insurance cost on average?
Adults pay $572 annually for minimum coverage and $1,212 for full coverage through Arbella. Annual premiums range from $471 to $2,008 for minimum and $1,001 to $3,956 for full coverage.
Is Arbella known for denying claims?
Customer feedback suggests Arbella faces criticism for claim denial practices, with policyholders reporting rejections for weather damage and auto incidents through technicality-based denials and lengthy review processes. Some customers describe frustrating experiences where legitimate claims were initially rejected, though appeals sometimes succeed. But these reports represent limited customer experiences rather than comprehensive service evaluation.
Is Arbella a good option for high-risk drivers?
Arbella can be a solid choice for certain high-risk drivers. The company ranks 5th overall for drivers with a DUI and senior drivers, making it affordable for these groups.
Does Arbella raise car insurance rates over time?
Yes, Arbella raises rates over time due to inflation driving up repair and medical expenses, plus increased claims from distracted driving and severe weather. They also adjust pricing based on area risk changes, regulatory updates, and personal factors like credit shifts, regardless of your driving record.
Is Arbella good for young drivers?
No, Arbella isn't the best choice for young drivers, ranking 8th for overall affordability with rates averaging $194 monthly for full coverage.
How We Rated Arbella Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "Progressive Ratings and Reviews." Accessed September 25, 2025.
- Google Play. "Progressive - Apps on Google Play." Accessed September 25, 2025.