Arbella vs. Foremost Insurance

Which insurance provider is right for you? Compare rates, savings, and quotes from Arbella and Foremost.

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Arbella vs. Foremost: What You Need to Know

Founded in 1988 in Quincy, Massachusetts, Arbella took over Kemper Group’s Massachusetts auto insurance business, which was then-troubled. Arbella’s founders worked to strengthen their partnership with independent agents. Arbella is a mutual company owned by its policyholders and prides itself on excellent customer service. In 2004, Arbella formed the Arbella Insurance Foundation to support not-for-profit organizations that have a positive impact on the communities Arbella serves, donating more than $13 million to 960 different charities. Arbella also founded the Arbella Insurance Group Charitable Foundation in 2004. Arbella has consistently ranked as one of the best places to work in New England. Arbella Insurance Group has more than $600M in revenue with approximately $1B in assets.

In 1952, Edward J Frey and Edward L. Stoddard founded Foremost Insurance Company. Their focus was originally on people who lived in mobile homes. They created the first mobile home insurance policy in history. The company also developed safety standards for mobile homes. Today the company offers a wide range of insurance, including auto insurance, rv insurance business insurance and home insurance. Foremost Insurance Group is a member of the Farmers Insurance Group of Companies and has more than 38,000 agents across the country, operating in all 50 states. Foremost Insurance rebranded its auto insurance line as Bristol West in 2018 to improve its customer service and claims handling processes. Foremost insurance has a great reputation as a reliable insurer of nonstandard high-risk auto policies and older homes.

Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit Arbella Insurance Group Overview and Foremost Overview.

Arbella Insurance Group vs. Foremost: How much are the Average Rates?

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Arbella Insurance Group vs. Foremost: Rates by Number of Vehicle

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Arbella Insurance Group vs. Foremost: Rates by Homeownership

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What is Arbella and Foremost Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Arbella and Foremost ranked among the industry ratings.

Comparison Arbella Foremost
Year Founded 1988 1952
BBB Rating A+
Financial Strength Excellent Excellent
JD Power Ranking Below Average
NAIC Complaint Index 0.11 0.65
S&P Rating A

Arbella or Foremost: Insurance Products Offered

What coverage is available through Arbella and Foremost? Both insurance companies offer Auto, Commercial, Home, and Motorcycle Insurance. Additional products from Arbella insurance also includes Renters, RV, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Arbella Insurance Group and Foremost Insurance page.

Insurance Arbella Foremost
Auto Insurance
Commercial Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Arbella or Foremost: Ways To Save

Foremost offers a wide range of discounts to its policyholders, including Multi-policy, One Household, One Policy for All Vehicles, and Pay-in-Full discounts. Arbella also offers a few discounts that Foremost doesn’t including Student Away at College, Residence Safety Package, and Rental Property Account Credit discounts. Start taking advantage of discounts offered by insurance providers like Foremost and Arbella insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Account Credit DiscountMature Driver Discount
Advanced Driver Training DiscountMulti-policy Discount
Annual Mileage DiscountOne Household, One Policy for All Vehicles
Anti-theft Devices DiscountPay-in-Full Discount
Auto Loyalty Discount
Auto Rewards Discount
Deployment/Active Military Duty Discount
Driver Simulator Training Discount
Energy-Saving Hybrids or Electrics Discount
Experienced Motorcycle Operator Discount
Good Student Discount
MAHA Workshops Savings Discount
Mass Save Discount
Motorcycle Training Discount
Multi-car Family Discount
Multi-car Individual/Spouse Discount
Multi-vehicle Discount
New Business Discount
New Home Credit
Premium in Full Discount
Protective Devices Discount
Renew and Save Discount
Rental Property Account Credit
Residence Safety Package
Student Away at College Discount

Pros & Cons of Arbella & Foremost


  • Arbella has an excellent record of very few complaints from consumers.
  • For over 50 years, Foremost has been the top insurance company writing mobile home insurance.
  • Offers superior customer care and claims handling.


  • Arbella only offers insurance to Massachusetts and Connecticut residents.
  • The mobile app confuses users because it’s really an app for internal employees of Foremost Insurance Group. Policyholders cannot obtain any insurance services through the app.
  • Homeowners insurance is not the best fit for standard homes which require more coverage.

Arbella or Foremost Mobile Apps Options

Arbella offers an app called Wheel Focused™ on iTunes and Google Play is available to download, regardless of what carrier you may have. The app is designed to improve driving behaviors through real-time feedback.

The Foremost Insurance Group mobile app, available for iOS and android, is not intended for billing or insurance information. This is an app for Foremost Insurance Group corporate and agent events. It’s only for internal use by Foremost employees. For account information, you can use the Foremost website.

Foremost Mobile App
iOS      1.2 5 user reviews
Android      1.5 63 user reviews

Arbella & Foremost Contact Info

Arbella Contact Info
Address 1100 Crown Colony Drive, P.O. Box 699103, Quincy, MA 02269-9103
Phone 1-800-ARBELLA
Foremost Contact Info
Address 5600 Beech Tree Lane, Caledonia, MI 49316
Phone 1-800-532-4221

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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