Arbella ranks 10th nationally, earning strong scores for coverage variety and cost-effectiveness. The company provides competitive premiums alongside extensive protection options.
Arbella Car Insurance Review
Updated: December 16, 2025
Advertising & Editorial Disclosure
Key Takeaways
Arbella earns 12th place for both full coverage affordability and minimum liability coverage, with average monthly rates of $101 and $48, respectively.
Arbella ranks sixth for customer satisfaction nationwide, thanks to its strong agent service and positive forum reviews from policyholders.
Want the customer perspective? We compiled feedback from policyholders across the web. Read More.
Arbella Car Insurance Ratings
| Overall Score | 4.25 | 10 |
| Customer Experience | 4.71 | 6 |
| Coverage | 3.79 | 7 |
| Affordability | 4.10 | 10 |
Arbella Car Insurance Reviews from MoneyGeek Users and Policyholders
MoneyGeek's comprehensive evaluation of Arbella draws on extensive rate data, coverage analysis and customer satisfaction metrics as outlined in our methodology.
Customer feedback paints a divided picture of Arbella's service quality. Satisfied policyholders praise the company's knowledgeable local agents who understand New England driving conditions, competitive bundling discounts that can save hundreds annually and efficient processing of straightforward claims like windshield damage, while dissatisfied customers report aggressive use of aftermarket parts in repairs even when not at fault, abrupt policy cancellations following first claims despite years of loyalty and chronic communication failures with adjusters who don't return calls or emails for weeks.
Here's what real MoneyGeek users are saying about their experience with Arbella, both positive and negative.
★★★★★ (5 stars) | Posted by NewEnglandDriver88 "Been with Arbella for three years now and they've been solid. My agent in Quincy actually picks up the phone when I call, which is huge compared to my last insurer. Rates are reasonable for Massachusetts and I bundled my home and auto which saved me about $400 a year. Haven't had to file a claim yet but my neighbor did and said they were pretty fair about it." |
★★★★ (4 stars) | Posted by BostonCommuter "Pretty happy with Arbella overall. They gave me a decent quote when I was shopping around and the local agent knows the area really well. Had a minor fender bender last year and the claims process wasn't bad, took about three weeks to get everything resolved. Only complaint is their app could use some work, but the agent handles most stuff for me anyway." |
★★★★ (4 stars) | Posted by RhodyMom2 "Switched to Arbella from a national company and honestly glad I did. The rates were better and I like having an actual person I can meet with if needed. They processed my glass claim super fast, like within a week. Customer service has been responsive whenever I've called. Not perfect but way better than dealing with a 1-800 number." |
★★★★★ (5 stars) | Posted by NewEnglandLocal "Arbella understands New England weather and road conditions. They didn't give me any hassle about winter tire coverage or storm damage claims. Great regional company that knows the area." |
★★★★★ (5 stars) | Posted by QuickGlassClaim "Windshield claim was processed in 24 hours. They sent me straight to Safelite and I had a new windshield the next day with zero hassle. Exactly how insurance should work." |
★★★★★ (5 stars) | Posted by LocalAgentBoston "My Arbella agent is local and actually returns calls. When I had questions about bundling my condo insurance, he walked me through all the options and saved me money." |
★★★★☆ (4 stars) | Posted by CompetitiveMArates "Rates are very competitive for Massachusetts. I shopped around extensively and Arbella came in lowest for the coverage I needed. Been with them two years with no issues." |
★★★★☆ (4 stars) | Posted by AccidentClaimSmooth "Was rear-ended and Arbella handled my claim professionally. Adjuster was responsive and fair. Got my car fixed at the shop I wanted with minimal back and forth." |
★★★★☆ (4 stars) | Posted by YouthfulDriverDiscount "Added my 18-year-old to my policy and Arbella's rates for young drivers were better than other quotes. The good student discount helped too. Much more affordable than expected." |
★★★★☆ (4 stars) | Posted by RegionalAdvantage "Appreciate having a regional company that focuses on New England. Feels like they understand local needs better than the huge national companies. Service has been consistently good." |
★★ (2 stars) | Posted by FrustratedMA "I was hit by someone insured by Arbella and dealing with them has been a nightmare. Their adjuster keeps offering lowball settlements and won't return my calls half the time. It's been two months and my car still isn't fixed because they keep trying to use aftermarket parts even though I wasn't at fault. Really unprofessional." |
★ (1 star) | Posted by CanceledCustomer "They dropped me after ONE claim that wasn't even my fault. Been a customer for five years with zero accidents and they send me a non-renewal notice. Called customer service and they were incredibly rude about it, basically said too bad. Save yourself the trouble and go somewhere else." |
★★ (2 stars) | Posted by WaitingForever "Filed a claim three weeks ago after someone backed into my parked car. Keep getting told someone will call me back but nothing. Left multiple voicemails and sent emails. Finally got through to an adjuster who was pretty dismissive. Still don't have an estimate or timeline. This is ridiculous for a simple claim." |
★★☆☆☆ (2 stars) | Posted by AftermarketPartsDispute "Had to fight Arbella to use OEM parts instead of aftermarket on my two-year-old car. They eventually approved it but only after I pushed back multiple times. Shouldn't be that difficult." |
★★☆☆☆ (2 stars) | Posted by FirstClaimDrop "Filed my first claim in eight years and Arbella dropped me at renewal. One accident after nearly a decade of paying premiums and they don't want me anymore. Loyalty means nothing." |
★★☆☆☆ (2 stars) | Posted by AdjusterPoorComm "My adjuster took days to return calls and emails. When we finally connected, he seemed rushed and didn't answer all my questions. Expected better communication during a stressful time." |
★☆☆☆☆ (1 star) | Posted by RenewalJump "Premium jumped $800 at renewal with no explanation. No accidents, no tickets, nothing changed. When I called they said it was market adjustment. Found cheaper coverage elsewhere immediately." |
★☆☆☆☆ (1 star) | Posted by ClaimDeniedBadFaith "Arbella denied my legitimate claim citing an exclusion my agent never mentioned when I bought the policy. Had to hire a public adjuster to fight them. Felt like bad faith the whole way." |
★☆☆☆☆ (1 star) | Posted by PolicyMismatch "Discovered my policy didn't include coverage I specifically requested. My agent apparently made an error but Arbella wouldn't honor what was discussed. Had to pay out of pocket for damage." |
★☆☆☆☆ (1 star) | Posted by CancellationThreat "Arbella threatened to cancel my policy because my roof is 18 years old. I've had no claims and the roof is fine. They want me to replace it for $15,000 or lose coverage. Ridiculous ultimatum." |
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.
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:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Good
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 being the best provider.
| 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:
Adult Drivers
Female
Good
At Fault Accident ($1000-$1999 Prop Dmg)
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.
AM Best Financial Strength | A | A++ to D | Excellent ability to meet financial obligations and pay claims |
AM 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 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, home, motorcycle, condo, renters, umbrella |
Offered by a Third Party Partner | None |
Arbella Auto Insurance Review: Bottom Line
Arbella is a reliable and reasonably affordable insurance option with an extensive selection of add-on coverage options. Due to this, it ranked well overall in our study of providers, earning the 12th spot for full and minimum coverages. Before buying, compare multiple insurers, conduct your research and determine your coverage needs 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 shows 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. These reports represent limited customer experiences rather than comprehensive service evaluation.
Is Arbella a good option for high-risk drivers?
Arbella works well for specific high-risk categories. The insurer ranks fifth for drivers with DUIs and seniors, offering competitive rates for both groups.
Does Arbella raise car insurance rates over time?
Yes, Arbella raises rates over time. Inflation increases repair and medical costs, while distracted driving and severe weather lead to more claims. Arbella also adjusts pricing based on regional risk changes, regulatory requirements and personal factors like credit score shifts, even with a clean driving record.
Is Arbella good for young drivers?
Arbella ranks eighth for young driver affordability, with full coverage averaging $194 monthly. This places the insurer in the middle range for this demographic.
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
MoneyGeek 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. Minimum coverage rates refer to policies that meet state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
MoneyGeek's evaluation process weighted three key factors:
- Cost (60% weight): Quote comparisons across multiple driver profiles within each city, measuring how competitively each insurer prices policies against local competitors.
- Customer satisfaction (30% weight): Customer feedback analysis from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess service quality and customer experience.
- Coverage variety (10% weight): Coverage option evaluation for each provider, considering the breadth of available policies and 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Apple App Store. "Progressive Ratings and Reviews." Accessed December 27, 2025.
- Google Play. "Progressive - Apps on Google Play." Accessed December 27, 2025.