Arbella Car Insurance Review

Arbella Car Insurance Review

Editor's Rating

Arbella offers a variety of protective features to its car insurance customers for affordable prices, including special perks for those who buy full coverage. 

Good for

  • Adding useful features to your car insurance policy
  • Reducing premiums with discounts

Bad for

  • Finding the absolute cheapest rates
  • Getting coverage outside of New England
Arbella
{"align":"center","buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","className":"","cloudinaryImageName":"referral_logos\/us\/insurance\/arbella-1","cssNamespace":"AffiliateTileBanner","context":" in context: Review Header","disclaimers":[""],"isButtonSquare":true,"isUnavailable":false,"link":null,"name":"Arbella"}

Editor's Rating

Arbella offers a variety of protective features to its car insurance customers for affordable prices, including special perks for those who buy full coverage. 

Good for

  • Adding useful features to your car insurance policy
  • Reducing premiums with discounts

Bad for

  • Finding the absolute cheapest rates
  • Getting coverage outside of New England
Arbella
{"align":"center","buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","className":"","cloudinaryImageName":"referral_logos\/us\/insurance\/arbella-1","cssNamespace":"AffiliateTileBanner","context":" in context: Review Header","disclaimers":[""],"isButtonSquare":true,"isUnavailable":false,"link":null,"name":"Arbella"}

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
No spam. No hassle. No hidden costs.
{"addHiddenFields":true,"buttonText":"Get Quotes","customEventLabel":"","defaultProduct":"auto","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--990","isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":"true","style":"dropshadow","tier":"default","title":"Find Cheap Auto Insurance Quotes in Your Area","trackingKey":"_arbella-auto-insurance-review","trustMessage":"No spam. No hassle. No hidden costs.","vendor":"vp"}

Arbella auto insurance stands out for its extra protective features, which policyholders can add to their standard coverage. Drivers who have full coverage car insurance earn extra perks from Arbella, too. The insurer's cheap prices, coupled with Arbella's perks for full coverage policyholders, could be attractive to budget-conscious drivers.

The rates we saw on car insurance from Arbella were affordable, although the insurer wasn't the absolute cheapest option. However, Arbella's many discount opportunities could reduce the cost of its coverage significantly for policyholders who qualify.

Arbella car insurance coverage

Arbella's policies provide good coverage to drivers looking for minimum coverage, but the insurer stands out for the perks included with its full coverage protection.

The basic protections that come with Arbella car insurance align with the amount of injury and property damage liability required in each state. Drivers can increase their protections by adding any of the company's endorsements for an extra cost, too.

Policyholders looking to purchase full coverage get the best deal with Arbella car insurance. After buying comprehensive and collision coverages, drivers can receive additional forms of protection at no additional cost. These include new vehicle replacement on cars less than a year old, along with replacement coverage for your car's original parts.

Other extras that are offered by Arbella include:

Gap insurance: Covers the difference between a vehicle's value and the remaining balance of an auto loan or lease.

Disappearing deductibles: Reduces a collision deductible if the driver avoids at-fault accidents for three years.

Accident forgiveness: Waives the price increase that occurs as the result of an accident.

Pet insurance: Provides up to $500 in vet fees if the insured's cat or dog is in the car with them during an accident and is injured.

Personal property coverage: Protects the insured's personal belongings that are in the car during an accident, including $1,000 for electronics and $250 for children's car seats.

Snowplow coverage: Provides coverage for damage to a snowplow installed on an insured vehicle, subject to a $200 deductible.

Arbella auto insurance quotes

While you can't get a quote online, Arbella's affordable prices could make contacting a local agent worth the time.

We found that the cost of coverage at Arbella remains affordable for both minimum and full coverage. Even when we requested quotes using a driver profile that had an accident on record, Arbella quoted us a reasonable premium. However, when we compared it to our rate data from other affordable auto insurers, Arbella never ranked as the cheapest option.

Arbella's auto insurance policies may offer the best value for drivers seeking full coverage. A policy with comprehensive and collision coverages is still affordable at Arbella, and includes extra forms of protection at no additional cost.

A bar graph showing the cost of Arbella auto insurance
A bar graph showing the cost of Arbella auto insurance

Rates are for a six-month period

What's the cost of an Arbella car insurance quote?

Insurance providerMinimum coverageFull coverageFull coverage with one accident
Safety$205$545$1,181
MetLife$210$857$1,578
GEICO$267$708$1,040
Arbella$360$1,071$1,729
Plymouth Rock$480$1,425$2,044

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
No spam. No hassle. No hidden costs.
{"addHiddenFields":true,"buttonText":"Get Quotes","customEventLabel":"","defaultProduct":"auto","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--339","isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":"true","style":"dropshadow","tier":"default","title":"Find Cheap Auto Insurance Quotes in Your Area","trackingKey":"_arbella-auto-insurance-review","trustMessage":"No spam. No hassle. No hidden costs.","vendor":"vp"}

Discounts available with Arbella auto insurance

Arbella offers policyholders more than 10 discount opportunities. The high number of discounts coupled with the affordable price of Arbella car insurance could result in substantial savings for eligible drivers. Moreover, many of Arbella's discounts are easy for most drivers to qualify for.

Drivers can save on their Arbella auto insurance premiums by:

  • Bundling multiple insurance policies
  • Maintaining a 3.0 grade point average
  • Being a deployed member of the armed forces
  • Paying their premiums in full
  • Signing up for car insurance with Arbella
  • Driving a hybrid or electric car
  • Insuring more than one vehicle with Arbella
  • Renewing their Arbella car insurance policies
  • Installing anti-theft devices in their vehicles
  • Driving less than 10,000 miles in one year
  • Being a student who's living away from their vehicle
  • Completing various driving safety tests

Arbella Insurance reviews

Arbella Insurance receives mixed reviews for its service. The insurer gets fewer complaints than expected from its policyholders, according to the National Association of Insurance Commissioners (NAIC). Typically, customers were dissatisfied with their settlement offers after making claims, and service delays.

Conversely, J.D. Power rated the service provided by Arbella lower than average in the New England region, the only place where Arbella sells car insurance. Out of 14 companies that J.D. Power surveyed there, Arbella placed sixth. At the same time, the insurer's credit is rated as excellent by AM Best, meaning there's a low risk of it defaulting on its financial obligations.

Commonly asked questions about Arbella car insurance

Does Arbella allow you to make online payments?

Yes. Even though you have to contact a representative to buy a policy, you can pay your bills online with major credit cards.

What is the number for Arbella Mutual Insurance claims service?

You can call the customer service line at 800-272-3552.

Does Arbella have accident forgiveness?

Yes, but since accident forgiveness is an endorsement, it requires an additional charge.

Methodology

We obtained car insurance rates for minimum and full coverage policies using the profile for a 30-year-old mlae driver. We also tested how one accident would alter the rates for full coverage. Our sample driver insured a 2015 Honda Civic EX. Our rates came from Massachusetts, where Arbella auto insurance has a large market share.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.