Arbella Insurance Reviews

Arbella Insurnace offers car insurance coverage for ‘New Englanders’ in just four states: Massachusetts, Connecticut, New Hampshire, and Rhode Island. This review will see whether Arbella is an option worth considering for drivers in its operating states.  

Arbella is a relatively small regional insurer and doesn’t offer online quotes. To buy an insurance policy from Arbella, you will need to find a local agent. But before you start looking for an agent, it’s best to compare any quotes from Arbella with quotes from other car insurance companies.  

Read this review to learn more about whether Arbella Insurance might be worth looking into in your next insurance policy.  

Arbella Insurance Overview

• Reviews: Yelp (134), BBB (20), Car Insurance Guidebook (14), Clearsurance (137) Total reviews (305) 

• Ratings:  Yelp (1.5), Car Insurance Guidebook (2), BBB (1), Clearsurance (4.03) Average rating (2.13)  

• Arbella Insurance Phone Number: Customer Service (1-800-272-3552); 
  Arbella Home Office: 1

Arbella Car Insurance Coverage

Arbella provides a range of auto insurance options, including standard coverage and additional features. Based on its website, Arbella offers the following insurance products: 

• Liability Coverage: Protects against bodily injury or property damage caused to others. 

• Personal Injury Protection (PIP): Offers no-fault coverage for all vehicle occupants. 

• Comprehensive Coverage: Covers damage to your vehicle from incidents like collisions, theft, or vandalism. 

In addition to these standard coverages, customers can opt for: 

• GAP Coverage: This insurance covers the difference between your vehicle’s actual cash value and what you owe if it’s totaled in an accident. 

• Customer Care Package: Eligible customers receive benefits like new vehicle replacement, enhanced substitute transportation, and improved towing and labor coverage. 

Arbella also provides the following optional protections: 

• Disappearing Deductible Rewards Plus: Reduces your deductible for each year without an at-fault accident. 

• Accident Forgiveness: Waives any surcharge for accidents occurring while under this policy. 

• Pet Protection: Covers up to $500 in vet bills if your dog or cat is injured in a car accident. 

• Personal Property Package: Covers personal items damaged during an accident, with specific limits based on the type of item. 

How Much Does Arbella Insurance Cost?

The national average for a 6-month car insurance policy is currently $1,093, while Arbella’s average rate is around $742—approximately 16% lower than the typical policy. This makes Arbella a potentially more affordable option, depending on your individual rating factors. 

However, the cost of an Arbella auto insurance policy will vary based on factors like your driving history, vehicle type, and location. To get the most accurate pricing, it’s best to request a personalized quote. 

Like with any other insurance company, your auto insurance cost will vary based on your age, location among other factors.

Here’s a look at average monthly cost by insurance carrier:  

Arbella Insurance Discounts

Here are the discounts that Arbella offers its customers:  

• Good Student: You can save up to 5% for maintaining a ‘B’ or higher grade.  

• Save and Bundle: Switching to Arbella and getting both a car and home insurance can help you save 20% or more.  

• Military Away: Drivers serving military deployment can save up to 10%.  

• Multi-Vehicle: Insuring more than one vehicle can help you save on your auto policy. 

• Energy-Saving Vehicles: Owning energy-efficient or hybrid vehicles can help you save up to 10% more on your car insurance. 

• Pay-in-Full: You can get a discount for paying your premium in full.  

• Anti-theft Device: Depending on the type, you can save money on your car insurance by installing anti-theft devices in your vehicle.   

• Drive Less, Pay Less: You can save more if you drive less than 10,000 miles a year.   

• Student Away: Having a student away at school can qualify you for a discount.  

• Advanced Driver Training: Complete certain training programs to save on your Arbella auto insurance.  

The discounts available may vary by state, so it’s always a good idea to contact a local agent for more details on how to reduce your premiums. 

When shopping for car insurance, we recommend comparing quotes from different providers to find the best coverage and rates. Keep in mind that factors like your age, vehicle type, and driving record can impact your premium, so what works for someone else might not be the best option for you. 

Other Insurance Products from Arbella Insurance Group

Arbella Insurance Group offers a variety of insurance products beyond auto coverage, some of which are available in multiple states. If you’re interested in bundling policies to save on premiums, Arbella could be a good fit. However, since their auto insurance is only available in two states, it may not be ideal if you plan to move out of state soon. 

• Homeowners Insurance: Includes options for homeowners, renters, condo owners, and landlords, tailored to different needs. 

• Umbrella Insurance: Adds an extra layer of protection to your home or auto policy for broader coverage. 

• Business Insurance: Offers a range of coverage for business owners, including business car and truck insurance, workers’ compensation, and commercial umbrella insurance. 

• Motorcycle Insurance: Covers personal injury, comprehensive damage, towing, labor, and provides a substitute vehicle in case of an accident. 

Arbella Insurance Reviews

Arbella is known for good customer service. According to the National Association of Insurance Commissioners (NAIC), the company has received fewer complaints than the median for insurers of its size, which is a key consideration for many policyholders. 

However, Arbella’s Yelp reviews tell a different story, with an average rating of just 1.5 stars out of 5 based on 134 reviews. It’s worth keeping in mind that most customers interact with their insurance provider during stressful times, like after an accident, which may influence their feedback. In fact, low ratings are common across the insurance industry, with the highest typically around 2.5 stars. 

Despite this, Arbella holds an A+ rating from the Better Business Bureau (BBB), where it’s been accredited since 2009, although customer reviews on the BBB site also average just over one star. It also holds a financial strength rating of A- (excellent) from A.M. Best.  

Arbella Auto Insurance: Our Verdict

We rate Arbella at 3.0 out of 5 stars overall. The regional insurer excels particularly in reliability and cost. 

For drivers seeking a state-specific insurance experience and prefer interacting with their agent rather than managing their policy online, Arbella auto insurance is an excellent option. With a wide range of discounts and coverage choices, Arbella also boasts strong customer satisfaction ratings. 

If you value working with local businesses, Arbella might be a better choice compared to a large, national insurer. When you request a quote, you’ll interact with a local, independent insurance agent, offering a more personalized experience than an online quote system. However, if you prefer the ease of obtaining a quote online or if you reside outside Arbella’s service areas, their car insurance might not be the best fit for you. 

To compare Arbella with other insurers, read more insurance reviews on Agency Height, here.