Arbella ranks 10th nationally, with high scores for coverage variety and affordability. It offers competitive premiums and broad coverage options.
Arbella Car Insurance Review
Updated: May 15, 2026
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Key Takeaways
Arbella earns 12th place for full coverage affordability ($101 a month) and minimum coverage ($48 a month).
Arbella ranks sixth for customer satisfaction nationwide, thanks to high agent service scores and positive policyholder reviews.
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 | 3.78 | 7 |
| Affordability | 4.1 | 10 |
Arbella Car Insurance Reviews from MoneyGeek Users and Policyholders
MoneyGeek's Arbella evaluation uses rate data, coverage analysis and customer satisfaction metrics outlined in our methodology.
Policyholders are divided on Arbella. Positive reviews point to knowledgeable local agents who know New England roads, bundling discounts that save hundreds a year and fast processing of glass claims. Complaints focus on aggressive use of aftermarket repair parts, abrupt policy cancellations after a first claim and adjusters who go weeks without returning calls or emails.
★★★★★ (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 local agent service and knowledge of New England driving conditions and weather claims.
But Arbella's digital tools lag behind national carriers, and claims processing can slow during major storms.
Pricing and Value
Arbella's pricing is competitive in the regional market, though 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 gets mixed reviews. Customers praise personal attention from adjusters but report 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 Arbella's strongest point, with customers valuing in-person 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
Arbella's online tools draw the most criticism, lagging 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
Long-term customers give Arbella high trust scores, citing its status as a New England mutual company and its 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 say Arbella handles regional risk well, though some want more customization options than larger carriers offer:
"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 make up most forum posts and don't reflect overall service quality. Cross-check user reviews with J.D. Power ratings, independent agents, the 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. Skip Arbella if you're an adult driver or insuring an older vehicle.
Data filtered by:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.38 | 11 |
Arbella Car Insurance Ratings by State
Arbella doesn't rank within the five best insurance companies in any of the states and territories we analyzed.
*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 a month, depending on your profile and preferred coverage. 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 pay much more with Arbella than with other budget-friendly 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 adjusted all profiles to feature a 40-year-old male driver with good credit and a clean driving record, behind the wheel of a 2012 Toyota Camry. Young drivers fall in the 25-and-under category, adults span ages 26 to 64, and seniors are 65 and older. For older cars, we used a 2007 model year; for newer ones, we went with 2025.
Arbella Car Insurance Rates by State
Arbella's monthly rates run anywhere from $45 to $95 on average, depending on where you live. The insurer doesn't crack the top five cheapest options in any state or territory.
| Massachusetts | $45 | $95 | -3% | 8 |
*Rates reflect a 40-year-old male driver with good credit, a clean driving record and a 2012 Toyota Camry.
Arbella Car Insurance Discounts
Arbella offers 12 car insurance discounts that can save you up to 36% on average, though your actual savings depend on your driving record, vehicle features and location.
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 landed in sixth place for overall customer satisfaction in MoneyGeek's customer experience study. Reviews praise the insurer's agent service, but claims processing and digital tools draw the most complaints.
Buying ProcessArbella operates exclusively through independent agents. Customers contact a local agent for quotes rather than getting online pricing.
The agent-only model creates a more personal experience but slows down price comparisons.
New England customers like working with agents who know local driving conditions and state requirements, though it takes longer than going with a direct online insurer.
Policy ManagementThe myArbella app lets customers view policy details, access documents, manage billing and submit or view claims. The app currently has a 3.8 rating on Google Play and a 4 rating on the App Store. But customer reviews show ongoing technical issues.
Claims ExperienceArbella's claims process has three steps: report, investigate and resolve. After you report your claim, a dedicated claims representative will reach out with your claim number.
Arbella offers multiple filing options including phone (24/7), online portal, mobile app and drive-in claim centers that offer 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 results vary. Some customers report quick resolutions; others deal with lengthy delays and poor communication from adjusters.
Arbella Car Insurance Industry Customer Satisfaction Ratings
Arbella holds an A (Excellent) rating from AM Best for financial strength, and its complaint volume is near zero, according to NAIC data. Arbella's New England focus means it doesn't appear 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 | Far fewer complaints than expected |
Arbella Car Insurance Coverage Options
Arbella offers standard coverage, including liability, comprehensive and collision coverage. These add-ons are also available:
Customer Care Package | Enhanced rental coverage, new vehicle replacement cost coverage, trip interruption coverage | Multiple coverages bundled together; available with qualifying auto insurance policies |
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 a 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 a year; much 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 solid regional option with a wide range of add-on coverage. It ranked 12th for full and minimum coverage affordability in our study. Before buying, compare multiple insurers and assess your coverage needs.
Arbella Car Insurance Reviews: FAQ
Does Arbella insurance have a good reputation?
Yes, Arbella ranked 10th in our car insurance provider analysis. It performed especially well in customer experience, earning 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 a year for minimum coverage and $1,212 for full coverage through Arbella. Annual premiums range from $471 to $2,008 for minimum coverage and $1,001 to $3,956 for full coverage.
Is Arbella known for denying claims?
Some customers say Arbella denies claims on technicalities, including weather damage and accident-related claims that go through lengthy review processes. A few policyholders report that initially rejected claims were approved on appeal. These complaints represent a small share of customers.
Is Arbella a good option for high-risk drivers?
Arbella works well for specific high-risk categories. It ranks fifth for drivers with DUIs and seniors, with competitive rates for both groups.
Does Arbella raise car insurance rates over time?
Yes, Arbella raises rates over time. Inflation drives up repair and medical costs, and more claims from distracted driving and severe weather add to rate pressure. 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 a month. That puts it in the middle of the pack for this age group.
How We Rated Arbella Car Insurance
MoneyGeek used Quadrant Information Services rate data to compare prices from 79 insurers across every U.S. ZIP code.
Standard Driver Profile
We used a baseline driver profile for 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, licensed driver
- Insurance history: Currently covered with no previous claims
From there, MoneyGeek adjusted for age, driving record, credit score and military status to identify the best rates for each driver category. 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 factors:
- Cost (60%): We compared quotes across different driver profiles in each city to see how each insurer's prices stack up against local competitors.
- Customer satisfaction (30%): Ratings from Google reviews, J.D. Power, AM Best and Reddit forums informed our service quality scores.
- Coverage variety (10%): Each provider's coverage options rounded out the score, from standard policies to unique benefits and features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.