Arbella Auto Insurance Review [2021]

Arbella Insurance Group is only available in four states, and our review finds the company with average customer satisfaction ratings from J.D. Power and an A financial ranking with A.M. Best. Despite being a smaller insurer, they offer a good number of auto coverage discounts to qualifying policyholders. But don't buy an Arbella Insurance policy before comparing auto insurance quotes online. Enter your ZIP code below to compare now before you pay too much for their car policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 2, 2021

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Arbella Insurance Group is a Massachusetts-based home and auto insurer serving customers in Massachusetts, Connecticut, Rhode Island, and New Hampshire. Founded in 1988, Arbella isn’t one of America’s largest or best-known insurers, but the company has decades of experience insuring drivers across Massachusetts and other New England states. For certain drivers in certain New England states, Arbella may offer the best auto products.

What is the history of Arbella Insurance Group?

Arbella was formed in 1988 in Quincy, Massachusetts when Kemper Insurance Group announced its intention to withdraw from the Massachusetts auto coverage market. During this time, the government of Massachusetts set car coverage rates itself, which means a new insurer was quickly needed for the Massachusetts market. Within 30 days, the state government had passed a key piece of legislation allowing the formation of Arbella.

In 2008, the Massachusetts Commissioner of Insurance decided to end its pre-set insurance rate system, allowing the state’s insurers to enter a new era. For the first time since 1977, Massachusetts was allowing full competition in the private passenger auto insurance market.

Since its launch, Arbella has focused on an independent agent model, where customers receive quotes through agents instead of through an online form or website. Arbella also serves as a carrier, partnering with independent insurers throughout New England to write lines of commercial and personal coverage for customers.

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What are Arbella’s rankings?

Arbella isn’t one of the largest car insurers in the United States, so it’s not ranked in J.D. Power’s nationwide rankings. However, Arbella has ranked annually for J.D. Power’s New England region. Here’s how the company scored in the latest rankings:

Overall Satisfaction: 2 out of 5

Policy Offerings: 2 out of 5

Price: 2 out of 5

Billing Process and Policy Information: 2 out of 5

Interaction with Policyholders: 3 out of 5

Claims Satisfaction: 3 out of 5

Overall, Arbella was in the bottom half of the industry for the New England region, earning a score of 2 stars out of 5. That’s the same score received by MetLife, Safeco, MAPFRE, Liberty Mutual, Travelers, and other major providers. USAA and Amica Mutual both earned a perfect 5-star rating for the New England region, with State Farm, GEICO, and Allstate receiving four stars, and Progressive, Nationwide, and The Hanover receiving three stars.

The average New England car insurance company scored 821 on the latest J.D. Power rankings for the New England region. Amica Mutual, at the top, scored 879, while The Hanover, at the bottom, scored 795. Arbella had the third-lowest score in New England, scoring 800.

In terms of financial strength, Arbella received an A- rating from A.M. Best. Typically, most major insurers in the United States have a grade of A, A+, or A++. An A- rating is still good, but it’s not as good as most of Arbella’s competitors.

What makes Arbella unique?

Arbella Insurance has several features that distinguish itself from the competition, including:

Distractology 101: Arbella offers a free driver training program called Distractology 101. It’s a mobile simulator that goes to various New England schools to educate drivers on the dangers of distracted driving.

Multiple Insurance Products: Arbella offers a range of coverage products, allowing customers to bundle various policies together to save money, including business, condo, identity theft, motorcycle, renters, and umbrella policies.

Only Available in New England: Arbella is a regional-focused insurer. The company provides business and personal insurance in Massachusetts and Connecticut as well as business insurance in Rhode Island and New Hampshire. The company does not offer any products outside of the New England region.

Is Arbella a good insurance company?

Arbella has mixed to poor reviews among car insurance policyholders. The company scores poorly on recent J.D. Power rankings for the New England region, for example, ranking third-worst on the latest rankings for 2018. J.D. Power surveys thousands of policyholders to compile its rankings.

Online review websites are equally as unfavorable towards Arbella. Many online reviewers have poor personal ratings for Arbella. Many claim to have had an unsatisfactory claims experience, for example. Others complain about poor customer service.

Overall, as a smaller company, it’s hard to find objective online ratings for Arbella outside of J.D. Power‘s regional rankings for New England. In their analysis, J.D. Power has few good things to say about Arbella in terms of claims satisfaction or pricing.

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What are the policies and products of Arbella?

Arbella offers a standard range of policies, products, and discounts. Here are some of the features, however, that make Arbella somewhat unique from certain competitors:

Hybrid or Electric Car Discount: Policyholders with hybrid or electric cars can save up to 10% on car insurance.

Loyalty Discount: For every year you renew your policy with Arbella, you’re entitled to a 1% discount.

Low Mileage Discount: If you drive fewer than 10,000 miles per year, then Arbella may give you a low mileage discount.

Driver Safety Course Discount: Complete a driver training course to save 5% on car insurance.

Driver Simulation Course Discount: Complete Arbella’s driver simulation course to save 7% on your policy.

Paid in Full Discount: Save 3% per year by paying your premium in full.

Student Discounts and Other Advantages: Arbella offers good student discounts. If you are a student, have less than six years of driving experience, and maintain a ‘B’ average or higher, then you’re entitled to savings of up to 5%. Arbella also offers ‘student away discounts,’ where students away at college can save 10% on car insurance while away from home.

What’s the final word?

Arbella Insurance is a relatively new company targeting customers in New England. Although Arbella is well-known among drivers in Massachusetts, the Quincy-based company is lesser-known outside of the state. J.D. Power rankings have not been kind towards Arbella, although the company manages to offer competitively-priced car insurance quotes to drivers across Massachusetts and other New England states, with high savings (25% and higher) available to those bundling home and car insurance with Arbella.

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