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

Quick Facts

• Based on national averages for insurance, Arbella offers significantly less expensive rates than Hanover
• Arbella offers cheaper average premiums for policyholders who drive fewer than 6,000 miles annually
• Hanover may help you save more money -- they offer more discounts than Arbella Insurance

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

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

You've maybe even narrowed it down to Arbella or Hanover as potential options, but which one will offer you more affordable prices?

Looking at the national average rates for both carriers, Hanover has average rates that are around 80% a month more expensive than those from Arbella.

That being said, that doesn't necessarily mean Arbella will be the less expensive option for every single driver. Car insurance companies vary their premiums depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and a variety of other factors. So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

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

Arbella vs. Hanover: Average Car Insurance Rates by State

Arbella and Hanover only compete against each other in Massachusetts, where Arbella offers the cheaper average premiums. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their insurance.

That being said, there are plenty of other factors that go into your auto insurance cost than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. 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 insurance. For example, 18-year-old drivers pay an average of over 80% less a month by choosing Arbella over Hanover.

Even so, with both carriers, you'll see your rates drop significantly by the time drivers turn 25. For example, average prices for Arbella policyholders reduce almost 65% and Hanover's rates decrease more than 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest car insurance premiums you can find. After all, they've likely been driving for quite some time, which generally reduces their chances of collisions and other infractions that can raise prices.

When looking at Arbella and Hanover specifically, which carrier is best for retired drivers? Arbella gets the edge, with premiums for drivers 65 and older $519 more affordable than the national average for Hanover.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive auto insurance rates than married policyholders. This usually boils down to married couples having multiple vehicles on their policy -- something many insurance companies will reward with discounts.

For single drivers, the difference in average premiums between these two carriers is significant, with Arbella rates coming in at about a quarter of Hanover's. The advantage is also clear for married drivers - Arbella offers the most affordable average prices.

Arbella or Hanover: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll usually end up paying more for auto insurance than women.

Women and men end up paying same monthly rates with Arbella, and around $60 cheaper with Hanover when compared to their male counterparts.

Looking at the data for each company specifically, Arbella comes out on top for both men and women, with average premiums 83% less for men and 82% cheaper for women.

Arbella vs. Hanover: 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.

It's no secret that car insurance can be pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Arbella has the significant edge, with average monthly prices 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 about $216 per month to Hanover's 1196.

Is Arbella or Hanover Better for Drivers with Spotty Records?

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

At-fault accidents and speeding tickets will most likely raise your premiums, but is Arbella or Hanover cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Arbella for their auto insurance can typically expect their monthly bill to go up around 6% after getting a speeding ticket. Hanover policyholders can expect a bit more drastic of an increase of about 26%.

But Arbella tends to offer the best prices for both drivers who have clean records and those with a recent ticket -- their rates are around 81% more affordable for drivers with clean records and 85% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault collision with Hanover climbing by around 35%. Arbella has a less extreme rise, but you can still expect to pay nearly 25% more than you were prior to your first accident.

At the end of the day, Arbella offers the lowest prices for drivers with an at-fault collision on their records, with average rates coming in at $151 compared to Hanover Insurance's $943.

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 speeding ticket when it comes to your car insurance bill. On average, Hanover will raise your premiums about 39% after a DUI, while Arbella's average prices increase by just under 45%.

But if you end up with a DUI charge and are looking for more affordable rates, Arbella tends to be less expensive for the average driver, with monthly premiums coming in at around $206 to Hanover's 1013.

How does Credit Score Impact Arbella and Hanover Rates?

Did you know many insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it might come into play for a lot of drivers.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking specifically at Hanover and Arbella, which company has the cheapest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have stellar credit, Hanover Insurance will generally reward you. Jumping from a "good" credit score to an "excellent" one will usually save Hanover Insurance customers about $300. undefined, on the other hand, 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?

If you have bad credit, it can cost you with Hanover Insurance. For drivers with less-than-stellar credit, at Hanover Insurance, you may pay around $500 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. Because undefined doesn't have data available for credit scores, they might have better prices for drivers with bad credit over Hanover Insurance.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. That's because the fewer miles you put on your vehicle, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Arbella tends to be the cheaper option. Arbella's average prices for drivers with 6,000 annual miles come in about 83% more affordable than Hanover. Those who drive 12,000 miles each year can expect to pay around 82% less with Arbella over Hanover.

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

Where your home is can have a large impact on your monthly auto insurance bill. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the roads where they live.

When comparing these two carriers side-by-side, Arbella generally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about 87% with Arbella compared to Hanover. People who live in suburban areas pay around 80% less with Arbella compared to Hanover. For drivers in urban ZIP codes, Arbella Insurance's average rates are about 81% less than Hanover Insurance.

Arbella vs. Hanover Discounts

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

But with what seems like a million different discounts out there, it can be challenging to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Arbella and Hanover so that you can see which one can save you the most money each month.

Overall, Hanover comes out ahead with 21 discounts to Arbella's 18.

Both companies offer a lot of the same discounts -- like anti-theft discounts, discounts for getting driver training, discounts for being a good driver, and mature driver discounts -- but Hanover also offers discounts for ABS, advance quote, defensive driver, and more.

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

Final Thoughts: Is Arbella or Hanover Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the right fit for you?

Arbella might be best for you if....

• You will be the only person on the car insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You have a short drive to work everyday.

Hanover might be best for you if...

• Your credit is less-than-stellar.
• Your credit score is high.
• You're looking for discounts -- Hanover has the most.

Hopefully, this guide helps you get a better idea of the difference between Arbella and Hanover. 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 car insurance -- comparing quotes from a handful of carriers, not just Arbella and Hanover. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Arbella vs. Hanover FAQs

Is Arbella or Hanover cheaper?

Arbella is the less expensive of the two carriers when looking at national average rates, with policies averaging $150 per month with Arbella and $853 for Hanover. However, that doesn't mean Arbella will be the lowest carrier for every policyholder, since there are lots of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Arbella or Hanover?

Unfortunately, the only answer we can give you is "it depends.". One company is not necessarily "better" for each policyholder -- it all depends on what your unique car insurance profile looks like. For example, Hanover is more affordable for drivers with excellent credit, while Arbella offers cheaper premiums for drivers with a recent DUI.

Why do Arbella and Hanover offer me different rates?

Auto insurance companies use several different variables when calculating the prices they charge. Factors such as your driving record, gender, age, where you live, and sometimes even things like your credit score can all come into play. Both Arbella and Hanover use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Arbella or Hanover at all, but another you hadn't even thought of!

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.