Arbella Insurance: Overview

Arbella is a small insurance carrier offering coverage in Massachusetts and Connecticut.

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About Arbella

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.

Arbella offers personal and business insurance in Massachusetts and Connecticut and it offers business insurance in Rhode Island and New Hampshire.

Arbella Facts & Ratings

Year Founded1988
Financial StrengthExcellent
JD Power RankingBelow Average
NAIC Complaint Ratio0.11

Arbella Mobile App Rating

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.

Pros & Cons of Arbella

  • Arbella has an excellent record of very few complaints from consumers.
  • Arbella only offers insurance to Massachusetts and Connecticut residents.

Common Questions about Arbella

What states does Arbella Insurance write in?

Arbella writes insurance in Massachusetts and Connecticut.

Who owns Arbella Insurance?

Arbella is a mutual company owned by its policyholders.

What is the Arbella rental car policy?

Depending on the coverage you selected on your auto insurance policy with Arbella, you are covered for a rental car, up to limits, if your car is being repaired after an accident. If the car is declared a total loss, you will be covered for car rental up to limits as well.

What coverage does Arbella have for drivers?

  • Bodily Injury Liability.
  • Property Damage Liability.
  • Comprehensive Coverage.
  • Collision Coverage.
  • Personal Injury Protection.
  • Uninsured Motor Vehicle.
  • Underinsured Motor Vehicle.
  • New Car Replacement.
  • Roadside Assistance/Towing and Labor Coverage.
  • Rental Car Coverage.
  • Disappearing Deductible Reward Plus.
  • Loan/Lease Gap Endorsement.
  • Accident Forgiveness.
  • Pet Protection.
  • Customer Care Package.
  • Personal Property Package.
  • Snowplow Endorsement.
  • Original Equipment Manufacturer Parts (OEM).

How to save on Arbella auto insurance:

There are many ways to save on Arbella auto insurance, which offers a long list of discounts (see above). The wisest thing you can do to save on auto insurance is to comparison shop several carriers at once.

Is Arbella Gap Insurance coverage worth it?

If you experience a total loss with a car and owe more on the car than what it is worth, gap coverage will pay you out the difference so you can pay off the car that was totaled. Otherwise, you’ll have to pay it off on your own.

How much can I save by switching to Arbella?

It depends on what you’re paying now and if you buy more protection than auto insurance alone. According to the insurer, you can save 20% or more if you bundle your car and home insurance with Arbella.

What is the Customer Care Package by Arbella?

Customer Care Package by Arbella costs nothing with a qualifying car insurance policy. It offers new vehicle replacement coverage, enhanced substitute transportation coverage, enhanced towing and labor and more.

Does Arbella have accident forgiveness?

Yes, Arbella offers an accident forgiveness endorsement. This coverage waives the customer’s surcharge points for the first qualifying surchargeable accident. It only costs $45 a year, per policy. You’ll also save on renewal every year for six years if you qualify.

How does Arbella Disappearing Deductible Rewards Plus work?

Arbella offers a disappearing deductible reward for good driving, giving you credit so the next time you’re in an accident, your deductible will be very low or nonexistent.

What is MyHomeWorks™ by Arbella?

MyHomeWorks™ by Arbella is a home management tool for homeowners who want to create an inventory of their home’s contents, calculate energy score and save money.

What is Arbella’s Home Cyber Protection coverage?

This coverage can be added to homeowners, condominium and renters policies to protect you against cyberattacks to devices like personal computers, mobile devices, and smart home technology.

Does Arbella have good home insurance?

Arbella has superior home insurance coverage and a responsive claims department.

How much can you save by insuring home and auto to Arbella?

You can save as much as 20% or more if you bundle your home and auto with Arbella.

What coverage does Arbella offer to renters?

Renters insurance from Arbella covers the contents in your rented unit or home. You’ll also get coverage for hotel and restaurant costs if your home becomes unusable in the event of a covered loss. You’ll also be covered for medical expenses for injuries to others in your home or injuries caused by you or your pet. If you bundle your renter's insurance with your auto insurance (Carparment policy), you get a discount.

Arbella Insurance Products

Auto InsuranceHome Insurance
Umbrella Liability InsuranceHome and Auto Insurance
Business InsuranceCarpartment Insurance (Auto + Renters)
Motorcycle Insurance

Arbella Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Personal Injury Protection

This type of protection will cover you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.

Uninsured Motor Vehicle

This coverage pays for medical expenses if you’re injured in an accident caused by someone who doesn’t have liability insurance.

Roadside Assistance & Towing

This coverage helps you get back and driving if you have a roadside breakdown.

Rental Car Coverage

If you rent a car while yours is in the shop, you are eligible for $50 a day up to 30 days, if the damage to the car was a covered loss.

Disappearing Deductible Reward Plus

This package offers a way to reduce your collision deductible by earning rewards for at-fault accident-free years, coverage for accidental airbag discharge and rental vehicle loss of income.

Loan/Lease Gap Endorsement

If you have a total loss, gap insurance covers the difference between your vehicle’s actual cash value and how much you still owe on the car.

Accident Forgiveness

This endorsement waives surcharge points you usually get after an accident.

Pet Protection

This endorsement provides up to $500 in veterinary fees if your cat or dog is injured during an accident.

Customer Care Package

This package is available at no charge and offers coverage enhancements like-new vehicle replacement coverage, enhanced substitute transportation coverage, enhanced towing and labor and more.

Personal Property Package

This endorsement provides coverage for personal belongings in your car during an accident.

Snowplow Endorsement

This coverage has a $200 deductible for loss to a snowplow installed in or upon an insured vehicle.

Original Equipment Manufacturer Parts (OEM)

This endorsement covers damaged property in a covered claim and replaces damaged parts with original manufacturer parts when available.


Good Student Discount Deployment/Active Military Duty Discount
Premium in Full DiscountAccount Credit Discount
Energy-Saving Hybrids or Electrics DiscountMulti-vehicle Discount
Auto Loyalty DiscountAnti-theft Devices Discount
Annual Mileage DiscountStudent Away at College Discount
Driver Simulator Training DiscountAdvanced Driver Training Discount
Motorcycle Training DiscountExperienced Motorcycle Operator Discount
Auto Rewards Discount Renew and Save Discount
New Home CreditMAHA Workshops Savings Discount
Protective Devices DiscountRental Property Account Credit
New Business DiscountResidence Safety Package
Multi-car Family DiscountMulti-car Individual/Spouse Discount
Mass Save Discount

Arbella Insurance Group Auto Insurance Rates by State


Arbella Insurance Group Auto Insurance Rates by Vehicle

Number of Vehicles Avg Monthly Rate

Arbella Insurance Group Auto Insurance Rates by Homeownership

Own/Rent Avg Monthly Rate

Arbella Contact Info

Address1100 Crown Colony Drive, P.O. Box 699103, Quincy, MA 02269-9103


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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