Arbella Insurance Review

  • With 2.8/5 stars in 2024, Arbella is an average insurance company.
  • Read Arbella reviews, complaints and prices before you buy.
Location pin icon
No junk mail. No spam calls. Free quotes.

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Beth Swanson

SEO Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Author profile picture

Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Arbella insurance: Ratings and reviews

2.8 100% filled Star icon 100% filled Star icon 79.99999999999999% filled Star icon 0% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

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.

100% filled Star icon 100% filled Star icon 79.99999999999999% filled Star icon 0% filled Star icon 0% filled Star icon
2.8 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
Get a Quote at Arbella
  • Local agents and personalized service

  • Multiple discounts available

  • Bundling options

  • Only available in four states

  • 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: 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 $880, whereas Arbella is about $742 or roughly 16% 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.



Average Monthly Cost by Insurance Carrier
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

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

The table below shows Arbella's car insurance premiums for different age brackets. 

Arbella Costs by Age Group
Age Group Avg. Monthly Premium
Teens $417
20s $152
40s $123
30s $123
50s $123
60s $108

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. 

  • Multiple vehicles: 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: If you have an electric-only or a hybrid vehicle you can save up to 10% for certain coverages.
  • Anti-theft devices: 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: 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. 

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

Search, compare and buy all on one site. Start saving today!

Location pin icon
No junk mail. No spam calls. Free quotes.

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: Get up to $500 worth of veterinary coverage for your four-legged passenger while they're in your car.
  • Gap coverage: 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: 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.


A New England company

Arbella makes it clear that it's a local insurer focused on local customers, and that a personal touch is very important in their business. The company has been in business since 1988 and services four states: Massachusetts, Rhode Island, Connecticut and New Hampshire. If you reside in one of these states and are looking for a smaller insurance carrier, having a local agent who understands the weather, the roads and your specific community may be a big selling point. The Arbella Insurance Foundation even supports local nonprofits to help New England communities, so this may be a detail that speaks to you if you're looking for a more personal aspect of the insurance business.

Find more about Arbella's company values 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 considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.

Arbella insurance: Frequently asked questions

Arbella Insurance is an excellent choice for residents in Massachusetts, New Hampshire, Connecticut and Rhode Island who value local agents, personalized service and community connections. However, it's important to note that they have limited geographical coverage, lack an online quote tool and are rated below average for overall customer satisfaction by J.D. Power.

Arbella sells insurance to residents of Massachusetts, Connecticut, New Hampshire and Rhode Island.

Arbella Insurance's offerings include car, home and business.

While Arbella was not included in J.D. Power's claims satisfaction survey, they received high marks from A.M. Best for financial stability, an indicator that they are able to pay out claims.

Get quotes from 100+ companies with The Zebra!

Location pin icon
No junk mail. No spam calls. Free quotes.

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.