Arbella insurance review 2025

Arbella Insurance Group offers “car insurance for New Englanders,” with coverage options and policy riders tailored toward the needs of drivers in Massachusetts, Connecticut, New Hampshire and Rhode Island. With a Bankrate Score of 4.0 out of 5.0, Arbella may be an option worth considering for drivers in the states where it does business.

As a small regional insurer, Arbella does not offer online quotes. If you’re considering buying an auto policy from Arbella, you will need to find a local agent — but you may want to compare any car insurance quote from Arbella with quotes from other carriers before making a final decision. To help drivers make informed insurance decisions, Bankrate’s editorial team reviews dozens of car insurance companies, considering average annual premium data from Quadrant Information Services along with policy features, financial strength and customer satisfaction ratings and experiences shared by real customers.

Pros and cons of Arbella car insurance

Arbella could be a good fit for some drivers, but like all car insurance companies, it has its perks and drawbacks.

To help homeowners make informed decisions about insurance coverage, we assigned homeowners insurance companies a Bankrate Score out of 5.0 points. Arbella received a Bankrate Score of 4.2 out of 5.0, indicating that it could be a strong pick for some homeowners in the New England region.

Arbella home insurance includes standard coverage options, generally at affordable rates. Among the attractive features of a homeowners insurance policy from Arbella are bundling options for auto insurance, helpful discounts and policy endorsements like Home Cyber Protection, which offers loss protection for data breaches, cyberbullying and other digital threats.

Pros and cons of Arbella homeowners insurance

Like any home insurance company, Arbella offers certain advantages along with downsides for some consumers. Here are a few pros and cons of buying homeowners insurance through Arbella:

If you’re shopping for insurance and are wondering what other companies to get homeowners insurance quotes from, here are some options that compare to Arbella.

Arbella is a small insurance group with strong standard coverage offerings and generally low pricing for customers in Connecticut, Massachusetts, New Hampshire and Rhode Island. It particularly stands out for its long list of discounts for both auto and home insurance and its simple digital tools.

Both auto insurance rates and home insurance rates from Arbella tend to be lower than the national average. While the lack of online quoting may be a disadvantage for customers who prefer to purchase insurance online, Arbella’s network of local independent agents could make it a good fit for some shoppers.

What are real-life customers saying about Arbella?

When it comes to picking an insurance company, average rates and third-party professional ratings only provide part of the picture — especially when looking at a small company like Arbella. To get a better idea of the experiences that real Arbella customers have with their provider, Bankrate’s editorial team sourced first-hand takes from two online platforms: Reddit and Yelp. While Reddit offers a forum for frank discussion on a wide range of topics including insurance and personal finance, Yelp provides a platform for direct reviews from customers.

Reddit

Reddit users in regional forums dedicated to life in New England offered mixed views on Arbella’s auto and home insurance offerings. Overall, perspectives tended to be positive, though some users reported that the initially low rates they received from Arbella increased unexpectedly in later years.

Yelp

Arbella’s overall rating on Yelp is fairly low, but a considerable number of policyholders gave 5-star reviews, balancing out negative perspectives with positive experiences. Arbella’s Director of Digital Strategy actively responds to both positive and negative company reviews on Yelp.

Arbella company details

If you’re considering purchasing a home or auto policy from Arbella, or if you’re an existing customer, you can use the following contact information to reach out to the company:

• Customer service: 1-800-272-3552
• Claims: 1-800-272-3552 or report online
• Find an agent: Online search
• Payments by mail:
  • Arbella Insurance Group
    P.O. Box 55392
    Boston, MA 02205-5392
• Additional help: online contact request form

State availability

Arbella offers auto, home and other personal insurance products in Connecticut, Massachusetts, New Hampshire and Rhode Island. Commercial insurance products are also available in Rhode Island.

Arbella tools and benefits

Although Arbella's reputation is built on its auto and home insurance policies, it offers other types of insurance as well, and also has benefits and tools available to its policyholders to make it easier to manage their policies or save money on them. Here are a few of Arbella's tools and benefits:

• Motorcycle insurance: This policy provides coverage for your motorcycle when on the road or parked.
• Commercial auto insurance: If you use your vehicles for business, this type of policy may be important to you.
• Renters insurance: If you rent an apartment or house, you'll still need coverage to protect your belongings, even though the building itself is covered by your landlord's policy.
• Condo insurance: This policy is for those who live in condominiums and protects their personal property and condo unit.
• Rental property insurance: If you are a landlord, you will need coverage even if you don't live in your rental property.
• Umbrella insurance: This type of insurance adds value to your other policies, offering coverage for unexpected serious occurrences.
• Business insurance: Arbella offers coverage for both small businesses as well as those that are larger and more complex.
• Mass Save discount: Arbella has partnered with Mass Save to give homeowners up to a 5 percent discount on their home insurance and an opportunity for more discounts and rebates from other program sponsors. To participate, homeowners must participate in an in-home energy assessment that will be shared with their insurance agent.
• Mobile app: Policyholders with Arbella were already able to manage their policies online through the myArbella online portal, but the company launched a mobile app in 2021 to allow customers to do the same on their phones and tablets as well.

Frequently asked questions about Arbella

These are sample rates and should only be used for comparative purposes. 

Additional profiles:

• Coverage A, Dwelling: $150,000, $350,000, $450,000
• Coverage B, Other Structures: $15,000, $35,000, $45,000
• Coverage C, Personal Property: $75,000, $175,000, $225,000
• Coverage D, Loss of Use: $30,000, $70,000, $90,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

These are sample rates and should only be used for comparative purposes. 

Bankrate Scores

Auto Bankrate Score

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

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 and home insurance companies satisfy these priorities, 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 NAIC, were analyzed.
• 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 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 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.

Home Bankrate Score

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

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 highlight where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 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 NAIC, were analyzed.
• 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 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.