Arbella is a local insurance company that covers drivers in Massachusetts and Connecticut. Our team wanted to see how this New England provider stacked up against the best car insurance companies in the U.S., so we studied the costs, coverage, discounts, and reviews for Arbella car insurance.

This review covers just about everything you’d want to know about Arbella car insurance. You can use the information in this review to see if the company’s insurance rates and policies are right for you.

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Arbella Insurance Highlights

Arbella is a small, local insurance company that provides a policies for home insurance, car insurance, motorcycle insurance,

business insurance, umbrella insurance, and more. Founded in 1988 in Quincy, Massachusetts, Arbella has a reputation for high-quality, personalized customer experience for motorists in Massachusetts and Connecticut.

Drivers who prefer working with local businesses may prefer Arbella over a large, nationwide corporation as the company only covers drivers from Massachusetts and Connecticut. To get a quote, you’ll speak with local, independent insurance agents. This adds a nice personal touch that you can’t get from an online quote process. However, if you prefer the convenience of being able to get a quote online or live outside of these two states, Arbella car insurance might not be for you.

What Does Arbella Car Insurance Cover?

Arbella offers standard types of auto insurance such as liability insurance, as well as a few additional options. According to its website, Arbella offers the following insurance products:

  • Coverage for losses that cause bodily injury or property damage to third parties (liability coverage)
  • Personal injury protection for all car occupants on a no-fault basis
  • Coverage for physical damage to your car due to a collision, theft, or vandalism

In addition to these standard coverages, customers can purchase:

  • GAP coverage: Guaranteed Asset Protection (GAP) insurance covers the difference between your vehicle’s actual cash value and the amount you owe if your vehicle is totaled in an accident.
  • Customer care package: Qualifying customers will receive enhancements like new vehicle replacement coverage, enhanced substitute transportation coverage, and enhanced towing and labor, among others perks

Arbella also offers the following options only to motorists in Massachusetts.

  • Disappearing deductible rewards plus: Lowers your deductible for years without any at-fault accidents.
  • Accident forgiveness: Waives the surcharge for any accidents you have while covered by this policy.
  • Pet protection: Covers up to $500 in veterinarian fees if your cat or dog is injured in a car accident.
  • Personal property package: Covers damage to personal items that were in your car during an accident. Different items have different coverage limits.
  • Snowplow endorsement: After a $200 deductible, this plan covers you for losses related to snowplows installed in or upon your vehicle.

Connecticut motorists have access to this state exclusive:

  • Original equipment manufacturer parts (OEM): Allows damage from a covered claim to be replaced with original manufacturer parts.

Arbella Car Insurance Cost

The cost of car insurance depends on many factors such as your age, location, vehicle, and driving record. We are unable to provide specific cost information for a policy from Arbella because everyone’s quotes are personalized.

Here are the average rates for Massachusetts and Connecticut:

Car Insurance Cost By State

StateState Average Cost Estimate

These are just broad estimates. Since your own rates will vary, these tables show you insurance estimates from top providers for drivers in different categories.

Car Insurance Estimates For Good Drivers

Car Insurance CompanyAnnual Rate Estimate
State Farm$1,339

Car Insurance Estimates For Drivers With Poor Credit

Car Insurance CompanyAnnual Rate Estimate
State Farm$3,616

Car Insurance Estimates For Young Drivers

Car Insurance CompanyAnnual Rate Estimate
State Farm$1,765

Arbella Insurance Discounts

Arbella offers separate discounts for customers in Massachusetts and Connecticut to help them save on their policies. Here are some of the main discounts available in Massachusetts:

  • Switch and Save: Save 20% or more for switching to Arbella and insuring both your car and your home.
  • Good Student: Save up to 5% with this good student discount for maintaining a “B” or higher average.
  • Military Away: Drivers deployed on duty (more than 100 miles from their vehicle) can save 10%.
  • Pay In Full: Save 6% for paying your premium in full.
  • Personal Insurance: Save up to 13% on your premium when you have other personal insurance with Arbella or a qualifying company.
  • Energy-Saving Vehicles: Save up to 10% for owning this type of vehicle.
  • Multi-Vehicle: Save up to 2% for insuring more than one car.
  • Policy Renewal: Renew your policy to save 1% each year.
  • Anti-Theft Device: Save up to 36% for having an anti-theft device installed in your vehicle, depending on the type.
  • Annual Mileage: Save on certain coverages if you drive less than 10,000 miles a year.
  • Student Away: Earn a 10% discount for having a student away at school.
  • Driver Simulator Training: Inexperienced drivers who successfully complete a safety-training program that includes a driver simulator and an Arbella-approved training curriculum may save an additional 7%.
  • Advanced Driver Training: Complete certain training programs and save 5%.
  • Homeowners: Insurance your car and home with Arbella to save up to 25% on your home, condo, or renters insurance.

Here are the main discounts available when you are insured in Connecticut:

  • Homeowners: Insure your car and home with Arbella to save up to 22% on your homeowners insurance.
  • Personal Insurance: Save up to 12% on your premium when you have other personal insurance with Arbella or a qualifying company.
  • Multi-Vehicle: Save up to 25% for insuring more than one car.
  • Anti-Theft Device: Save up to 15% for having an anti-theft device installed in your vehicle, depending on the type.
  • Student Away: Save money for having a student away at school.
  • Pay In Full: Save 6% for paying your premium in full.

These may not be all of the discounts available to policyholders in each state. You can always reach out to a local agent for more information about how you can lower your premiums.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

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Arbella Insurance Reviews And Ratings

As we mentioned earlier, Arbella has superior customer service. According to the National Association Of Insurance Commissioners, Arbella received fewer than the median number of complaints for insurance companies of its size. That’s an important consideration for most.

Unfortunately, Arbella didn’t score very well on Yelp, receiving only 1.5 stars out of 5.0 based on 103 reviews. However, it’s important to note that customers usually don’t deal with their insurance companies unless an accident occurs, so most people writing reviews are stressed out to some degree. Across the board, we’ve seen very low customer ratings for insurance companies, the highest being somewhere around 2.5 out of 5.0 stars.

The Better Business Bureau gave Arbella an A+, and the company has been accredited since 2009, but it currently has just over one star for customer reviews.

Our Verdict: Arbella Auto Insurance

For motorists who want an insurance experience that’s catered to their state and enjoy talking to their insurance agent over managing their policy online, Arbella auto insurance is a fine choice for car insurance coverage. There’s a large number of discounts and coverage options, and Arbella has good customer satisfaction ratings.

However, Arbella’s financial strength rating is a bit lower than we’d like, and the company doesn’t provide the same convenience in getting quotes or managing your policy as other insurance providers.

Here’s a final overview of the pros and cons of Arbella car insurance:

Arbella Car Insurance Pros and Cons

Pros Local focus Good range of coverage options Work with independent insurance agents Good customer satisfaction rating
Cons No online quotes Limited availability Less-than-ideal financial strength rating

If Arbella auto insurance doesn’t float your boat, take a look at these providers to see if something fits the bill for you.

USAA Auto Insurance: Best For Military

Active military members, veterans, and their families will appreciate USAA’s auto insurance for its fantastic rates, great customer service, and good coverage options.

Reputation And Financial Strength

USAA has been in business since 1922 and over the past century, the company has built a name for itself as a leading force in the insurance industry. USAA has received an A++ financial strength rating from AM Best, so it should have no issues fulfilling claims.

Customer Service

USAA received the highest rating, 909, of all the providers we reviewed on J.D. Power’s 2021 Auto Claims Satisfaction Survey. The majority of insurance companies that we reviewed only received a rating of less than 900 points.

Our Verdict

In our USAA auto insurance review, we find the company to be one of the best and most affordable insurance providers in the U.S., but most Americans won’t be able to enjoy coverage from USAA because they’re offered exclusively to military members, veterans, and families. If you are lucky enough to be eligible for USAA coverage, it should go on the top of your list.

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FAQ: Arbella Insurance


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.