Arbella insurance review 2025

Arbella car insurance cost

Car insurance premiums with Arbella are generally more affordable than the national average. A full coverage car insurance policy with Arbella costs an average of $2,598 per year. The average cost of car insurance nationwide is $2,685 per year for the same amount of coverage. Similarly, minimum coverage from Arbella is also cheaper at $741 per year on average with Arbella compared to $800 per year nationally.

How much is Arbella car insurance?

According to Bankrate’s research, Arbella consistently offers cheap car insurance rates. However, car insurance rates vary based on driving history, with a clean driving record qualifying most drivers for the lowest rates. Drivers with violations or at-fault accidents on their record typically see higher rates, and not all insurance carriers will write policies for drivers with serious violations such as DUI convictions.

Arbella car insurance quotes by age

Young drivers, especially those under age 25, tend to pay higher premiums for auto insurance due to limited driving experience. Even in states like Massachusetts where insurers cannot use age as a rating factor, a lack of experience on the road signals a higher risk to insurance companies.

Arbella usually offers below-average rates for young drivers, especially those who stay on a parents’ policy rather than purchasing their own separate policy. Keep in mind that the average rates shown below are based on a clean driving record. It’s generally worth comparing car insurance quotes from multiple companies based on your own driver profile and that of any teens on your policy.

Compare Arbella car insurance rates

On average, Arbella Insurance Group offers rates well below the national average for drivers in the New England area. However, every insurance company uses a different set of calculations to issue car insurance quotes to drivers — meaning that some drivers might find a better fit for their profiles with a different carrier.

Comparing an Arbella car insurance offer to auto insurance quotes from multiple companies could help you save on car insurance costs. The average quotes below, gathered from Quadrant Information Services, offer a baseline comparison between Arbella and other competing insurance providers.

Arbella customer satisfaction

Affordable pricing isn’t the only thing that makes a car insurance company a good choice for consumers. When shopping for auto insurance, it’s also important to consider a company’s record for customer satisfaction. Third-party ratings from organizations like J.D. Power, a leading consumer data and analytics company, and the National Association of Insurance Commissioners (NAIC), which tracks customer complaint rates for U.S. insurers, can help to give a picture of an insurance carrier’s ability to provide high-quality, reliable customer service.

Arbella customer satisfaction

Arbella holds a fairly unremarkable record for customer satisfaction, according to third-party ratings. The 2023 J.D. Power U.S. Auto Insurance Study, which scored insurance carriers for customer satisfaction on a 1,000-point scale, placed Arbella slightly below average in the New England region, with a score of 799 compared to the regional industry average of 816. That represents a decline from 2022, when Arbella received a score of 819 and ranked closer to the industry average.

As a smaller insurer, Arbella was not ranked in the 2023 J.D. Power U.S. Auto Claims Satisfaction study. However, AM Best upgraded Arbella Insurance Group’s financial strength rating from A- (Excellent) to A (Excellent) in 2020, indicating that the company has been in a good financial position to pay out claims.

Arbella auto insurance customer complaints

Arbella car insurance discounts

Arbella offers various car insurance discounts, but keep in mind that savings opportunities may vary depending on your state and eligibility. Arbella advertises the following discounts for New England drivers:

• New to Arbella discount: If you switch car insurance companies and opt for Arbella, you could save up to 12 percent for being a new customer.
• Drive less, pay less discount: Drivers who spend less time on the road may be eligible for discounts of up to 10 percent.
• Anti-theft device discount: If your vehicle has an anti-theft device, you could be eligible for a discount of up to 36 percent on your auto policy.
• Paid in full discount: Paying your Arbella auto insurance bill as an annual lump sum rather than monthly or semi annual payments could earn you a discount of up to 6 percent.
• Military away discount: If you are an active military member and are deployed, you may be eligible for a discount of up to 10 percent off your car insurance depending on the state you live in.
• Student away at school discount: If you have a young driver on your policy and they attend school without a car, you could save up to 10 percent.
• Energy-saving vehicle discount: If you drive a hybrid or electric car, you could earn an additional discount on your car insurance.
• Good student discount: Full-time students who earn a "B" or better average can earn up to 5 percent off.

Arbella home insurance cost

Arbella tends to offer cheap home insurance rates when compared to national average costs. For a homeowners policy with $300,000 in dwelling coverage, the average premium with Arbella is $1,500 per year. By comparison, the national average cost of homeowners insurance is $2,267 per year for the same coverage.

Compare Arbella homeowners insurance rates

Every home insurance company sets premiums for policyholders using unique rating algorithms, which means that every homeowner can anticipate different rates from different companies. On average, Arbella offers low-cost home insurance compared to the national average, but some carriers may quote higher or lower rates for each homeowner.

To find cheap home insurance for your profile, you may want to compare rates from multiple companies. The table below compares average rates from Arbella and other homeowners insurance companies to the national average.

Arbella customer satisfaction

Understanding a home insurance company’s customer experience can help you to find the best fit for your needs. Consider ratings from third-party organizations like J.D. Power and the NAIC to get a sense of how companies support their customers.

Arbella is a small, regional insurance group, which means that it doesn’t have as many third-party reviews as larger carriers. The company does carry an A (Excellent) financial strength rating from AM Best, though, which speaks to the company’s historical ability to pay claims.

Arbella was not ranked by J.D. Power in the 2023 U.S. Home Insurance Study, but the company did receive a rating in the 2023 J.D. Power U.S. Auto Insurance Study, which looked at claims service and other metrics. In the New England region, Arbella received a score of 799 out of 1,000, which is below the industry average of 816. Speaking to agents and reading reviews from real customers may be helpful in evaluating Arbella’s customer service practices for homeowners insurance.

Arbella home insurance customer complaints

Arbella home insurance discounts

Arbella offers a generous suite of home insurance discounts that might lower your premium. In particular, first-time homeowners may be eligible for multiple discounts that could reduce the cost of a policy from Arbella. Keep in mind that eligibility for the following discounts varies by state:

• New home credit: If your home is less than 10 years old, your home insurance policy could qualify for up to 20 percent in premium savings.
• New to Arbella: New Arbella home insurance policyholders may qualify for up to a 7 percent discount.
• Renew and save: You could get up to a 3 percent discount by renewing your policy each year and staying loyal to Arbella.
• Auto rewards: Bundling your auto and home coverage with Arbella could save you up to 25 percent on your home policy.
• Mass Save discount: Customers who complete a no-cost in-home energy assessment and send the results to their Arbella agent could be eligible for a discount of up to 5 percent.
• MAHA Workshop discount: If you are a first-time homebuyer in Massachusetts and attend an Affordable Housing Alliance Workshop, you could qualify for a 10 percent discount on your home insurance for two years.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.