Arbella Auto Insurance Review for 2024

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Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...

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Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

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UPDATED: Nov 27, 2023

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Arbella Mutual Insurance Company provides car, home, and business insurance to denizens of the Northeast. They have regional offices in Massachusetts, Connecticut, New Hampshire, and Rhode Island. The company was founded back in 1988 in the city of Quincy, MA, and their home office still resides there. Arbella takes a great deal of pride in offering their customers a wide variety of insurance products with personal and local customer service.

Arbella Insurance Review

Arbella is proud of the ratings they have earned from customers and financial institutions over the years – and rightfully so. They are a financially strong and stable company according to A.M. Best, they have an A+ rating with the BBB (they are also accredited with the organization), and the NAIC complaint index has classified them as an “Excellent” company.

Metric Rating
AM Best Financial Rating (2015) A-
Better Business Bureau Rating (2016) A+
NAIC (2012) 0.11 (Excellent)

Arbella Insurance Discounts

Arbella makes more of an effort than most insurance companies when it comes to offering their customers discounts on home, auto, and property policies. Their discounts are varied and unique to the needs of New England residents. There is one caveat, though: the % of savings you can earn on discounts in the chart below is the absolute maximum – your individual savings may be as high, or they could be lower.

Discount % Savings
“New to Arbella” Discount 7%
Good Student Discount 5% (MA Only)
Active Military Duty Deployment 10% (MA Only)
Premium Paid In Full 3%
Account Credit 10% (MA) 12% (CT)
Driving a Hybrid or Electric Car 10% (MA Only)
Multiple Vehicles 25% (CT) 2% (MA)
Anti-Theft Devices 36% (MA) 15% (CT)
Loyalty Discount 1% (MA Only)
Low Mileage Discount 10% (MA Only)
Driver Simulator Training 7% (MA Only)
Advanced Driver Training 5% (MA Only)
Multi-Car Family Discount 5% (MA Only)
Multi-Car Individual/Spouse Discount 5% (MA Only)

* 2016

Arbella Auto Insurance Options

Arbella offers the typical stock coverage options, such as Liability and Collison (among others) that you might expect from an automotive insurer. Additionally, they offer customers a variety of extra coverage options such as:

  • “Carpartment” Insurance – purchasing both automotive and renter’s insurance together to get a significant discount on your renter’s insurance policy
  • Disappearing Deductible Rewards Plus* – the more accident-free years you accumulate, the more rewards you can earn towards lowering your Collision deductible, rental vehicle loss of income, and accidental air bag discharge
  • Loan/Lease Gap Coverage – pays the difference between your vehicle’s appraised value at the time of a total loss accident, and the full cost of replacing the depreciated vehicle
  • Accident Forgiveness* – waives a certain amount of “surcharge points” to keep your premium from increasing in the event of an accident
  • Pet Protection* – pays for up to $500 in vet fees if your cat or dog is injured in your car in the event of an accident
  • Personal Property Package* – provides limited financial coverage for expensive personal property, such as child car seats, PDAs, or laptops if they are damaged in an auto accident
  • Snowplow Endorsement* – Need to strap a snow plow to your vehicle to traverse the roads in winter? In the event that your plowing equipment gets damaged, just pay a simple $200 deductible and Arbella will cover the rest.
  • OEM Coverage** – if your vehicle qualifies, Arbella will pay for damaged parts to be replaced with those from the original manufacturer

*Indicates MA Only         **Indicates CT Only

Comparing Arbella Insurance Quotes

Overall, Arbella seems to be doing a fairly decent job offering a fair value to their customers for the policies they underwrite:

Arbella Auto Insurance Quote ComparisonLegend: Arbella Married HomeownerPoor CreditSingle RenterImperfect Record 102030405060708090100110$56$56$56$111

Married Homeowner
Poor Credit
Single Renter
Imperfect Record






However, it should be noted that the numbers above are simply estimates, and cannot always be guaranteed. Connecticut drivers especially should be wary of the fact that, unlike in Massachusetts, there is a very real possibility that their credit score will be included in their evaluation before they get a final quote from Arbella. And if you’ve had any previous accidents which were serious enough to cause property damage or worse, you may be facing a considerably steeper monthly premium cost from Arbella.

Pros and Cons of Arbella Insurance

Pros Cons
Competitive rates within their service area Their service area is extremely limited (Massachusetts and Connecticut)
Dedicated customer service and a friendly staff of insurance agents / personal consultants Drivers with previous accidents in their recent history may have to pay more for an Arbella policy
Solid financial strength and business ratings will likely attract more customers to Arbella

Arbella is a relatively small but successful insurance company dedicating themselves to giving their customers personal and conscientious service. Their prices are fairly competitive (unless you have an imperfect driving history) and the company seems stable enough to stick around for many years to come. However, drivers and property owners outside if their very small service area will have to keep shopping around for a provider who can deliver the same level of service for a fair price.

Corporate Headquarters
P.O. Box 699103
Quincy, MA 02269-9225
Phone:1-800-ARBELLA (272-3552)

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