Arbella Insurance Review
- With 2.8/5 stars in 2025, Arbella is an average insurance company.
- Read Arbella reviews, complaints and prices before you buy.
Arbella insurance: Ratings and reviews
Although it's only available in four New England states, Arbella has a lot to offer for a smaller regional carrier. They have policies for car insurance, homeowners insurance and several additional options like gap insurance. If having a local agent who understands the community where they work is important to you, Arbella might be a great fit.
Continue reading for more about what makes Arbella unique, its product offerings and reviews to help you decide if they might be worth looking into for your next insurance policy.
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Local agents and personalized service
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Multiple discounts available
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Bundling options
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Only available in four states
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Below average customer satisfaction rating
Is Arbella a good insurance company?
The majority of The Zebra's review incorporates how well Arbella scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Claims Satisfaction:Â Not Rated
Customer Satisfaction: Below average
- J.D. Power rated Arbella as Below average in overall auto customer satisfaction[1]
Complaint Index: Below average
- The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Arbella[2]
Financial Strength: Excellent/Good
- Arbella received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[3]
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which auto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Arbella for it to be included.
How much does Arbella insurance cost?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Arbella is about $878 or roughly 19% cheaper than a typical policy, so it may be one of the cheaper auto insurance options available depending on your individual rating factors.
The cost of an Arbella car insurance policy varies based on factors such as the driver's history, vehicle and location. It's always recommended to obtain a personalized quote for the most accurate pricing.
The table below shows how Arbella auto insurance compares against other top insurers.
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Updating data...
| Company | Avg. Monthly Premium |
|---|---|
| Travelers | $112 |
| USAA | $114 |
| Arbella Insurance Group | $124 |
| GEICO | $129 |
| American Family | $131 |
| State Farm | $131 |
| Amica Mutual | $144 |
| Progressive | $157 |
| Allstate | $201 |
Source: The Zebra
Like with other insurance companies, pricing for Arbella auto insurance does vary based on your age and generally will get cheaper the older you get.Â
The table below shows Arbella's car insurance premiums for different age brackets.Â
Updating data...
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $417 |
| 20s | $152 |
| 40s | $123 |
| 30s | $123 |
| 50s | $123 |
| 60s | $108 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
Auto insurance discounts are dependent on certain qualifications and state availability. Here are some common ways to save money with your policy from Arbella.Â
- Multiple vehicles:Â If you have more than one vehicle insured on the same policy with Arbella, you could save 5% on certain coverages.
- Energy-saving or hybrid vehicles:Â If you have an electric-only or a hybrid vehicle you can save up to 10% for certain coverages.
- Anti-theft devices:Â Depending on how many and what types of anti-theft devices your vehicle has, you might save as much as 36%.
- Drive less, pay less:Â If you're not a frequent or long-distance driver and put 10,000 or fewer miles on your vehicle per year, you may qualify for Arbella's Annual Mileage Discount.Â
Arbella has other discounts available, for both auto and home policies, so it's best to check with an agent for specifications to see if you qualify. Check out more of Arbella's discounts here.Â
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What types of coverage does Arbella offer?
Another important piece of Arbella's review is the types of coverage options the company offers. Arbella offers flexible options that you can customize based on your needs behind the wheel.
Every auto policy includes no-fault injury coverage, protections for property loss and injuries to others, as well as damage for accidents, theft and vandalism.
Additional options you can add to your policy may include:
- Pet protection:Â Get up to $500 worth of veterinary coverage for your four-legged passenger while they're in your car.
- Gap coverage:Â This helps cover the "gap" between what your car is worth and what you still owe on a loan if your vehicle were to be totaled in an accident. This coverage costs about $30 per year.
- Accident forgiveness:Â For an annual charge, you can waive surcharge points after an accident, which may save a lot of money in the long run.
Read more about Arbella's coverages here.
Arbella insurance review: Summary
Arbella is a regional insurer focused on providing auto insurance in four New England states (MA, NH, CT and RI). It offers a wide variety of coverage options and is known for its strong customer service and personal connections to the community. However, its geographical coverage is limited, and it lacks an online quote tool which can make pricing comparison more difficult. Those residing in New England seeking a local insurance provider may find Arbella a fitting choice, but should still compare quotes from different providers to ensure they're getting the best deal and coverage that fits their individual needs.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
Arbella insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.