Direct Auto vs. Arbella Insurance

Which insurance carrier is right for you? Compare premiums, savings, and quotes from Direct Auto and Arbella.

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Direct Auto vs. Arbella: What You Need to Know

In 1991, William Adair had the vision of creating a premier, non-standard automobile insurance company that served customers better than any other insurer, He founded Direct Auto Company, the first company owned by Direct General Insurance Group, headquartered in Nashville, Tennessee. The business has since expanded, but the beliefs remain true to Adair’s original vision.

Direct Auto Company specializes in providing auto insurance for all people, even those considered “high-risk” or who need SR-22 certification. Today, Direct Auto Company has more than 400 retail store locations across the United States and provides consumers a variety of products and services online, in-store and over the phone.

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.

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

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

Below is a list of the average rates that drivers typically pay with Direct Auto and Arbella Insurance Group. On average, Direct Auto charges approximately $224.48 per month while Arbella Insurance Group comes in at around $176.93 per month. For Direct Auto, the cheapest state average is North Carolina at $90.10 per month and the most expensive is South Carolina at $337.45 per month. For Arbella Insurance Group, the cheapest state average is Massachusetts at $177.01 per month and the most expensive is Massachusetts at $177.01 per month.

Direct Auto

Average Rate

$224.48
Arbella Insurance Group

Average Rate

$176.93
National

Average Rate

$120.30
State Direct Auto Arbella Insurance Group
Alabama $116.64 -
Arkansas $177.45 -
California $332.90 -
Florida $196.36 -
Georgia $229.77 -
Illinois $310.15 -
Massachusetts- $177.01
North Carolina $90.10 -
Ohio $218.29 -
South Carolina $337.45 -
Tennessee $129.72 -
Texas $154.57 -
Virginia $309.01 -
Washington $293.45 -

Direct Auto vs. Arbella Insurance Group: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Direct Auto and Arbella Insurance Group typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Direct Auto Arbella Insurance Group
1 Vehicle $218.68 $165.51
2 Vehicles $303.80 $247.94

Direct Auto vs. Arbella Insurance Group: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Direct Auto charges $183.21 per month and Arbella Insurance Group charges $162.24 per month for customers who own their home.

Own/Rent Direct Auto Arbella Insurance Group
Own $183.21 $162.24
Rent $230.13 $181.09

What is Direct Auto and Arbella Insurance Rating?

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

ComparisonDirect AutoArbella
Year Founded19911988
A.M. Best RatingA-
BBB RatingA+
Financial StrengthExcellentExcellent
JD Power RankingBelow Average
NAIC Complaint Index6.06
NAIC Complaint Ratio0.11

Direct Auto or Arbella: Insurance Products Offered

What coverage is available through Direct Auto and Arbella? Both insurance companies offer Auto, Commercial, and Motorcycle insurance. Additional products from Arbella insurance also includes Health, Home, 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 Direct Auto and Arbella Insurance Group Insurance page.

InsuranceDirect AutoArbella
Auto Insurance
Commercial Insurance
Health Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Direct Auto or Arbella: Ways To Save

Direct Auto offers a wide range of discounts to its policyholders, including Good Student, Homeowner, and Mileage discounts. Arbella also offers a few discounts that Direct Auto 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 Arbella and Direct Auto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Direct AutoArbella
Affinity DiscountAccount Credit Discount
Good Student DiscountAdvanced Driver Training Discount
Homeowner DiscountAnnual Mileage Discount
Mileage DiscountAnti-theft Devices Discount
Military DiscountAuto Loyalty Discount
Multi-Car DiscountAuto Rewards Discount
Multi-Product DiscountDeployment/Active Military Duty Discount
Prior Coverage DiscountDriver Simulator Training Discount
Renewal DiscountEnergy-Saving Hybrids or Electrics Discount
Safe Driver DiscountExperienced Motorcycle Operator Discount
Senior Citizen DiscountGood Student Discount
Welcome Back DiscountMAHA 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 Direct Auto & Arbella

Pros

Direct Auto
  • Flexible billing options and customizable insurance payments
  • Affordable rates regardless of consumers driving history
  • Offers SR-22 filing for drivers
  • Offers a variety of discounts
Arbella
  • Arbella has an excellent record of very few complaints from consumers.

Cons

Direct Auto
  • Claims only by phone. There is no option to file a claim online.
Arbella
  • Arbella only offers insurance to Massachusetts and Connecticut residents.

Direct Auto or Arbella Mobile Apps Options

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.

Direct Auto Mobile App
Direct Auto does not currently have a mobile app.
Arbella Mobile App
Arbella uses Wheel Focused™

Direct Auto & Arbella Contact Info

Direct Auto Contact Info
Address1128 Murfreesboro Road, Nashville, TN
Phone1-877-463-4732
Websitehttps://www.directauto.com/
Facebookhttp://www.facebook.com/directautoIns
Twitterhttps://twitter.com/directautoins
Youtubehttps://www.youtube.com/user/DirectAutoIns
Instagramhttps://www.instagram.com/directautoins/

Arbella Contact Info
Address1100 Crown Colony Drive, P.O. Box 699103, Quincy, MA 02269-9103
Phone1-800-ARBELLA
Websitehttps://www.arbella.com/
Facebookhttps://www.facebook.com/arbellainsurance/
Youtubehttps://www.youtube.com/user/ArbellaInsurance
Twitterhttps://twitter.com/ArbellaIns
Linkedinhttps://www.linkedin.com/company/arbella-insurance-group/

Methodology
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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