Allstate vs. Arbella: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Arbella offers significantly cheaper premiums than Allstate
• Allstate offers less expensive average prices for drivers who have less-than-stellar credit
• Arbella has more affordable premiums for residents of rural areas

Allstate vs. Arbella: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Allstate or Arbella as potential options, but which company will offer you less expensive prices?

As you can see, Allstate is about $49 more per month than Arbella when looking at the national average rates for auto insurance.

Even so, that doesn't necessarily mean Arbella will be the more affordable option for every single driver. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things), so rates will vary quite a bit from person to person.

So, if you want to find out which of Allstate or Arbella is really the best for you, keep reading to see average premiums for each company broken down by several different rate factors.

Allstate or Arbella: Average Car Insurance Rates by State

Allstate and Arbella only compete against each other in Massachusetts, where Arbella offers the cheaper average prices. For Massachusetts residents, Arbella offers car insurance for $150 monthly on average. Allstate's average rates come out to be over 40% more expensive, at $213 per month.

That being said, there are plenty of other factors that go into your auto insurance cost than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high insurance rates. Just look at the table above -- where 18-year-old drivers who have Arbella for their car insurance pay more than $95 less than those who use Allstate. It's worth noting that Allstate offers insurance in 47 different states compared to Arbella's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower rates once you turn 25. Arbella offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Allstate's average prices decrease nearly 65% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which usually lowers their chances of accidents and other infractions that can increase rates.

So, which carrier offers the best prices to retired drivers? Arbella gets the edge, with premiums for drivers 65 and older almost 40% cheaper than the national average for Allstate.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive car insurance prices than single drivers. That's because policies for married couples generally cover more than one car, which a lot of companies will offer you a discount for.

When it comes to relationship status, Arbella is the clear winner for single policyholders, with premiums around $56 a month more affordable than Allstate, on average. The advantage for married drivers with Arbella is also obvious, where drivers save over 25% per month.

Allstate vs. Arbella: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll normally end up paying more for insurance than women.

On average, men see rates nearly $10 a month higher with Allstate; everyone gets the same monthly prices regardless of gender with Arbella.

Looking at the data for each company specifically, Arbella comes out on top for both men and women. On average, male drivers save about $53 per month and women save about $44 with Arbella compared to the average Allstate policyholder.

Allstate or Arbella: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Arbella typically offers cheaper premiums of $83 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Arbella again has the edge, with policies around $75 a month less expensive than Allstate, on average.

Is Allstate or Arbella Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with at-fault collisions and tickets on your record, but which of these two companies offers the lowest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their rates to go up an average of $27 per month if they get a ticket, while Arbella normally raises premiums about $8 a month, on average.

However, Arbella is generally the cheaper option for both drivers who have clean records and those with a recent speeding ticket, offering rates that are $39 and $58 more affordable, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their prices rise by just under $75, while those who have insurance through Arbella will see around a $35 increase.

Overall, drivers who use Arbella end up with the cheaper prices after an accident, with monthly premiums averaging $151 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. On average, Arbella will increase your rates about 43% after a DUI, while Allstate's average premiums climb by over 30%.

Arbella has the overall most affordable prices for drivers with a DUI on their records at $206 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Arbella, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Arbella Rates?

Did you know that many insurance carriers take into account your credit score when calculating premiums? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for many policyholders.

The reasoning auto insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will usually be forced to pay more.

So, which carrier offers the lowest rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Usually, if you have stellar credit, you can expect to be rewarded. With Allstate, improving your score from "good" to "excellent" will normally save you around $25. On the other hand, Arbella doesn't have data available for credit scores, which means they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit usually means you'll also see higher prices with Allstate. If your credit score is in the "poor" range, at Allstate, you may pay about $70 more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because Arbella doesn't have data available for credit scores, they could have better rates for drivers with bad credit over Allstate.

Is Allstate or Arbella Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly premiums. Typically, the more miles you put on your vehicle, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Arbella offers cheaper rates than Allstate. Allstate's average prices for drivers with 6,000 annual miles come in $55 more expensive than Arbella. Those who drive 12,000 miles yearly can expect to pay just under $45 more with Allstate over Arbella.

Allstate vs. Arbella: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a sizable impact on your monthly car insurance bill. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, Arbella normally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest prices from both companies, but Arbella comes out on top with average premiums around $96 per month. Arbella also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a $36 and $31 a month respective difference when compared to Allstate drivers in similar areas.

Allstate vs. Arbella Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many car insurance discounts as you can.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Below, we've broken down all of the different discounts offered by both Allstate and Arbella so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Allstate knocks Arbella out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Arbella's 18.

There are a couple discounts both carriers offer, but Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Arbella does not.

On the flip side, Arbella has a couple unique discounts of its own -- continuous insurance discounts, group discounts, hybrid vehicle discounts, and more.

Final Thoughts: Is Allstate or Arbella Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts companies offer. But, at the end of the day, which company is the best one for you and your specific driver profile?

Arbella might be best for you if....

• You like the personalized touch of a small, local carrier.
• Your neighborhood is in a city.
• You have a short drive to work everyday.

Allstate might be best for you if...

• Your credit is below-average.
• You already have a great credit score.
• You care about discounts (Allstate offers the most).

We hope this guide has ben a valuable resource as you compare Allstate and Arbella and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Allstate and Arbella. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Allstate vs. Arbella FAQs

Is Allstate or Arbella cheaper?

Looking just at the national average prices, Arbella is the more affordable of the two carriers, offering average rates of $150 per month compared to $199 for Allstate. But Arbella won't necessarily be the cheapest company for everyone, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Arbella?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, Arbella offers cheaper premiums for drivers with a recent DUI, while Allstate is more affordable for drivers with excellent credit.

Why do Allstate and Arbella offer me different rates?

Auto insurance companies take a look at quite a few different factors when determining the prices they charge policyholders. Things like where your home is, age, gender, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Arbella calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Allstate or Arbella is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be Allstate or Arbella at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.