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

Quick Facts

• In general, Arbella offers less expensive premiums than Progressive
• Arbella has cheaper prices for policyholders who live in urban areas
• Progressive tends to be a much more affordable option for drivers who have below-average credit

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Arbella or Progressive for your next policy, but between the two, which company has cheaper rates for car insurance?

Looking at nationwide averages, Progressive is around $30 more a month than Arbella.

But Arbella may not be the most affordable or best option for each driver out there. Auto insurance carriers vary their premiums depending on things like how good your credit score is, how old you are, where you live, how clean your driving record is, and a ton of other factors, so prices will change quite a bit from person to person.

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

Arbella vs. Progressive: Average Car Insurance Rates by State

Arbella and Progressive 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 car insurance.

There's a lot more that goes into your insurance bill than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. Typically, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Arbella for their auto insurance pay 20% less than those who use Progressive.

That being said, both companies will offer you dramatically lower premiums once you turn 25. For example, average prices for Arbella policyholders decrease about $200 and Progressive's rates lower over $300 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest 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 rates.

So, which company offers the best prices to retired drivers? Arbella gets the edge here, with average rates coming in at around $94 per month compared to Progressive's $131.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly more affordable auto insurance prices than those who are single. That's usually because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two carriers is significant, with Arbella rates coming in at a quarter less than Progressive's. It's not quite so glaring for married drivers, where drivers who use Arbella save almost 10% a month.

Arbella or Progressive: Average Rates by Gender

Because women are less likely to get speeding tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to charge women less than men.

Women and men end up paying same monthly premiums with Arbella, and about $5 less with Progressive.

Looking at overall affordability, Arbella comes out on top for both men and women, with average prices $33 less for men and $28 cheaper for women.

Arbella vs. Progressive: 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.

For most people, insurance isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

Even so, most 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 collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum limits for liability insurance, Arbella has the significant 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 Progressive's $250.

Is Arbella or Progressive Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault accidents and speeding tickets lead to higher rates, but which carrier -- Arbella or Progressive -- has the lowest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Arbella for their insurance can typically expect their monthly bill to go up about 6% after getting a speeding ticket. Progressive policyholders can expect a bit more drastic of an increase of around 17%.

However, Arbella is normally the less expensive option for drivers both with clean records and with a ticket. With Arbella Insurance, drivers with a clean record can save about $32 a month and drivers with a speeding ticket can save around $55 per month.

Which Company is Best for Drivers After an Accident?

Arbella drivers who get in an accident can expect to see their rates increase by just under $35, while those who have insurance through Progressive will see about a $65 increase.

At the end of the day, drivers who use Arbella end up with the cheaper prices after an accident, with average premiums coming in at $151 compared to Progressive's $214.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Arbella drivers usually see a 43% raise in their car insurance prices after a DUI charge, while Progressive will usually climb rates by around 16%.

How does Credit Score Impact Arbella and Progressive Rates?

Did you know many insurance companies take into account your credit score when determining premiums? This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it might come into play for several policyholders.

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

So, which company offers the cheapest premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have fantastic credit. With Progressive, improving your score from "good" to "excellent" will usually save you about 15%. 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 prices.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Progressive. For drivers with less-than-stellar credit, at Progressive, you may pay around 25% 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. On the other hand, Arbella doesn't have data available for credit scores, which means drivers with bad credit may find better rates with Arbella over Progressive.

Is Arbella or Progressive 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 how much auto insurance companies will charge for coverage. Typically, the more milage you put on your vehicle each year, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Progressive charges. However, there's a small difference in monthly rates for Arbella, with policyholders who drive the least paying about $15 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Arbella is the cheaper carrier.

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

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a large impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more cars on the roads where they live.

Arbella tends to offer the cheapest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Arbella Insurance's average rates are around 10% less than Progressive. People who live in suburban areas pay about 6% less with Arbella compared to Progressive. Those in rural areas can expect to save around 38% with Arbella compared to Progressive.

Arbella vs. Progressive Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

The hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Arbella and Progressive so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Progressive blows Arbella away when it comes to the sheer amount of discounts available, offering 16 more discounts than Arbella.

Both carriers offer quite a few of the same discounts -- like continuous insurance discounts, discounts for being a good driver, discounts for being a good student, and military discounts -- but Progressive also offers discounts for ABS, advance quote, advanced safety feature, and more.

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

Final Thoughts: Is Arbella or Progressive Best for You?

So, you've seen how different variables can affect your car insurance premiums. We've shown you all the discounts each company offers, too. But, at the end of the day, is Arbella or Progressive the right one for you and your specific needs?

Arbella might be best for you if....

• You have an at-fault collision on your record.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing auto insurance for a teenager.

Progressive might be best for you if...

• Your driving record includes a DUI charge.
• You already have a great credit score.
• You care about discounts (Progressive offers the most).

Hopefully, this guide helps you get a better idea of the difference between Arbella and Progressive and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Arbella and Progressive. 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 carriers in your area, all in just a few minutes.

Arbella vs. Progressive FAQs

Is Arbella or Progressive cheaper?

Arbella is the more affordable of the two companies when looking at national average prices, with policies averaging $150 per month with Arbella and $180 for Progressive. Even so, that doesn't mean Arbella will be the most affordable carrier for each driver, since there are a range of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Arbella or Progressive?

Sadly, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Progressive is less expensive for drivers who have less-than-stellar credit scores, while Arbella offers cheaper rates for policyholders with an at-fault accident on their record.

Why do Arbella and Progressive offer me different rates?

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

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

The only way to find the auto insurance company that's right for you is by getting quotes from several carriers 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 information once and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best carrier for you isn't Arbella or Progressive 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.