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

You've probably seen ads offering big savings on car insurance, but are Arbella or GEICO right for you? Which carrier offers the cheapest rates, or the most discounts? Read on to see how Arbella and GEICO compare, and to find out which company is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • In general, Arbella offers less expensive prices than GEICO
  • Arbella tends to be a much more affordable option for policyholders whose driving record contains an at-fault collision
  • GEICO has cheaper premiums for policyholders who haven't received any speeding tickets or been in a collision in the last few years

Arbella or GEICO: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Arbella or GEICO as your top options, but which carrier will offer you less expensive rates?

Arbella GEICO

Looking at the national average rates for both carriers, Arbella is around $35 a month cheaper than GEICO.

But that doesn't necessarily mean Arbella will be the more affordable option for every driver. Insurance companies vary their prices depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and a ton of other factors, so premiums will vary quite a bit from person to person.

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

Arbella vs. GEICO: Average Car Insurance Rates by State

State Arbella GEICO

Arbella and GEICO only compete against each other in Massachusetts, where GEICO offers the cheaper average prices. GEICO drivers tend to pay about $36 per month less on average compared to drivers who use Arbella for their car insurance.

That being said, there are plenty of other factors that go into your insurance bill than just where you live. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Arbella GEICO
18-year-old drivers$351$369
25-year-old drivers$128$163

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers out there on the road. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Arbella save almost 5% a month compared to those who use GEICO.

Even so, both carriers will drop rates by the time drivers turn 25. GEICO offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Arbella still has the most affordable prices at $128 monthly.

Which is the Best Company for Retired Drivers?

Arbella GEICO
65+-year-old drivers$94$148

Once you approach retirement age, you'll normally enjoy the lowest insurance premiums you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

So, which company offers the best premiums to retired drivers? Arbella gets the edge here, with average rates coming in at about $94 per month compared to GEICO's $148.

Which is the Best Company for Married Drivers?

Arbella GEICO

Single policyholders tend to get offered slightly more expensive car insurance prices than married policyholders. That's generally because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average rates between these two companies is significant, with Arbella premiums coming in at around 15% less than GEICO's. The advantage for married couples with Arbella is also obvious, where drivers save about $40 per month.

Arbella or GEICO: Average Rates by Gender

Arbella GEICO

Because women are less likely to get speeding tickets and get into accidents, they run a lower risk of filing a claim with insurance. So, women tend to get cheaper rates than men.

With Arbella, both genders end up paying the same monthly price, but with GEICO, the difference is closer to $8 a month.

When it comes to the cheapest prices for each gender, Arbella comes out as the most affordable option for both genders, with average rates $39 less for men and $31 cheaper for women.

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Arbella vs. GEICO: Compare State Minimum vs. Full Coverage Rates

Arbella GEICO
State Minimum*$83$101
Full Coverage**$216$269

*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.

For most people, insurance can be pretty complicated. There are multiple different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

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

Looking specifically at state minimum liability limits, Arbella has the edge, with average monthly premiums coming in at $83. If you want a full coverage policy with the same state minimum limits, Arbella again has the edge, with policies averaging around $216 per month to GEICO's $269.

Is Arbella or GEICO Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

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

Which Company is Best for Drivers with Speeding Tickets?

Arbella GEICO
Clean Record$117$115
1 Speeding Ticket$125$150

Policyholders who use Arbella for their car insurance can typically expect their monthly bill to go up about 6% after getting a speeding ticket. GEICO policyholders can expect a bit more drastic of an increase of around 23%.

If you have gotten a ticket, Arbella tends to offer the best premiums at about 17% less expensive, while GEICO has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Arbella GEICO
Clean Record$117$115
1 At-Fault Accident$151$200

After an accident, drivers who have their insurance through Arbella can expect to see around an $34 -- or about 23% -- rise in their auto insurance prices. Drivers who use GEICO for their insurance will see a monthly bill around $85 (or 43%) more expensive after reporting an accident to their auto insurance carrier.

At the end of the day, the cheaper premiums come from Arbella, with average rates coming in at $151 compared to GEICO's $200.

Which Company is Best for Drivers with a DUI?

Arbella GEICO
Clean Record$117$115
1 DUI$206$275

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than a collision or speeding ticket. GEICO drivers usually see a 58% climb in their insurance prices after a DUI charge, while Arbella will normally raise rates by about 43%.

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How does Credit Score Impact Arbella and GEICO Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it will come into play for quite a few drivers.

Car insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable prices.

Looking specifically at Arbella and GEICO, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Arbella GEICO
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

If you have fantastic credit, GEICO will typically reward you. Improving your "good" credit score to an "excellent" one will usually save GEICO customers around 20%. On the other hand, because Arbella doesn't have data available for credit scores, they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Arbella GEICO
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

Having bad credit can cost you with GEICO. For drivers with less-than-stellar credit, at GEICO, you may pay about 20% a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. Arbella, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit may find better rates with Arbella over GEICO.

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

Arbella GEICO
6,000 Annual Miles$142$181
12,000 Annual Miles$157$189

How much you drive can have a considerable impact on your monthly auto insurance cost. Generally, the more milage you drive, the more you can expect to pay for coverage.

Arbella tends to be the cheaper option for both remote workers and those taking short commutes. Arbella's average prices for drivers with 6,000 annual miles come in more than 20% more affordable than GEICO. Those who drive 12,000 miles annually can expect to pay over 15% less with Arbella over GEICO.

Arbella or GEICO: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a pretty big impact on your monthly insurance payment. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Arbella GEICO
Urban Areas$186$211
Suburban Areas$168$185
Rural Areas$96$159

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

In urban areas, Arbella's average prices are around $186 per month compared to GEICO's $211. People in suburban areas pay a monthly rate of about $168 with Arbella compared to $185 with GEICO. If you live in a rural area, you can expect to pay around $96 a month with Arbella and $159 with GEICO.

Arbella vs. GEICO Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts Arbella and GEICO offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Arbella GEICO
ABS Discount 
Annual Mileage Discount 
Anti-Theft Discount
Commercial Drivers License Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Deployed Driver Discount 
Distant Student Discount
Driver Training Discount
DRL Discount 
EFT Discount 
Employee Discount 
Full Coverage Discount 
Good Driving Discount
Good Student Discount
Group Discount
Hybrid Vehicle Discount 
Marketing Partner Discount 
Mature Driver Discount

GEICO blows Arbella away when it comes to the sheer amount of discounts available, offering 28 different discounts to Arbella's 18.

There are a couple discounts both companies offer, but GEICO also offers discounts for ABS, commercial drivers license, COVID-19 relief, and more.

On the other hand, Arbella has a few proprietary discounts of their own for things like annual mileage discounts, continuous insurance discounts, hybrid vehicle discounts, and more.

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Final Thoughts: Is Arbella or GEICO Best for You?

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the right company for you and your specific profile and needs?

Arbella might be best for you if....

  • You've been pulled over for speeding recently.
  • You have a short commute.

GEICO might be best for you if...

  • You're thinking about moving to another state -- undefined only offers policies to residents.
  • Your credit score is high.
  • You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Arbella and GEICO. We also hope we've given you the information you need to make the best decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several companies, not just Arbella and GEICO. Luckily, makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

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Arbella vs. GEICO FAQs

Is Arbella or GEICO cheaper?

Arbella is the less expensive of the two companies when looking at national average rates, with policies averaging $150 a month with Arbella and $185 for GEICO. That being said, that doesn't mean Arbella will be the cheapest company for everyone, since there are lots of different factors that are considered when it comes to your car insurance bill.

Who is better, Arbella or GEICO?

Sadly, the real answer is "it depends.". No single carrier is necessarily "better" for every policyholder -- it all depends on what your unique insurance profile looks like. For example, GEICO is more affordable for drivers with excellent credit, while Arbella offers cheaper prices for drivers with a recent DUI.

Why do Arbella and GEICO offer me different rates?

Car insurance carriers use many different variables when determining the premiums they charge. Things such as age, your driving record, gender, where you park your car, and sometimes even things like your credit score can all come into play. Both Arbella and GEICO calculate prices using different factors, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best company for you isn't Arbella or GEICO at all, but another you hadn't even thought of!


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.

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