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

You've probably seen ads offering big savings on car insurance, but are Arbella or Safety right for you? Which carrier offers the cheapest premiums, or the most discounts? Read on to see how Arbella and Safety 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

  • Looking at the national averages for insurance, Arbella offers significantly more affordable prices than Safety
  • Arbella has less expensive rates for policyholders who don't have any speeding tickets, DUIs, or at-fault collisions on their record
  • Safety tends to be a much cheaper option for drivers who have below-average credit

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might have narrowed your search down to Arbella or Safety as your top options, but between the two, which carrier has more affordable prices for auto insurance?

Arbella Safety

Looking at nationwide averages, Safety has average rates that are around 30% a month more expensive than those from Arbella.

However, that doesn't mean Arbella will necessarily be cheaper than Safety for every driver. Insurance carriers use tons of complex algorithms to determine rates, so depending on how good your credit score is or where you live (among multiple other factors), you could see wildly different premiums from the ones above.

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

Arbella vs. Safety: Average Car Insurance Rates by State

State Arbella Safety

Arbella and Safety only compete against each other in Massachusetts, where Arbella offers the cheaper average premiums. Arbella drivers tend to pay about $194 per month less on average compared to drivers who use Safety for their car insurance.

That being said, there's a lot more that goes into your insurance payment than just your home state. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Arbella Safety
18-year-old drivers$351$421
25-year-old drivers$128$209

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

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of 15% less a month by choosing Arbella over Safety.

But with both companies, you'll see your premiums drop significantly once you turn 25. For example, average prices for Arbella policyholders reduce almost 65% and Safety's rates decrease over 50% over that time.

Which is the Best Company for Retired Drivers?

Arbella Safety
65+-year-old drivers$94$164

Drivers around retirement age usually enjoy some of the most affordable car insurance premiums out there. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can raise rates.

So, which company offers the best prices to retired drivers? Arbella gets the edge, with rates for drivers 65 and older $70 less expensive than the national average for Safety.

Which is the Best Company for Married Drivers?

Arbella Safety

Married drivers tend to get slightly cheaper auto insurance prices than single drivers. That's normally because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with Arbella rates coming in at a quarter less than Safety's. The advantage is also clear for married couples - Arbella offers the lowest average premiums.

Arbella or Safety: Average Rates by Gender

Arbella Safety

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to insurance men will typically end up paying a little more.

Men and women get the same monthly prices with Arbella, but with Safety, the difference is closer to 5% per month.

Looking at overall affordability, Arbella offers the cheapest average premiums for both men and women. On average, women save about $62 a month and men save about $73 with Arbella compared to the average Safety policyholder.

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

Arbella Safety
State Minimum*$83$122
Full Coverage**$216$313

*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. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

Even so, most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum 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 around $216 per month to Safety's $313.

Is Arbella or Safety 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Arbella Safety
Clean Record$117$129
1 Speeding Ticket$125$190

Policyholders who use Arbella for their car insurance can usually expect their monthly bill to go up about 6% after getting a speeding ticket. Safety policyholders can expect a bit more drastic of an increase of around 32%.

But Arbella tends to offer the best prices for drivers both with a ticket and with a clean record, offering premiums that are $12 and $65 less expensive, respectively, compared to Safety Insurance.

Which Company is Best for Drivers After an Accident?

Arbella Safety
Clean Record$117$129
1 At-Fault Accident$151$226

Arbella drivers who get in a collision can expect to see their rates rise by just under 25%, while those who have insurance through Safety will see about a 45% increase.

At the end of the day, Arbella offers the most affordable prices for drivers with an at-fault collision on their records, with average premiums coming in at $151 compared to Safety Insurance's $226.

Which Company is Best for Drivers with a DUI?

Arbella Safety
Clean Record$117$129
1 DUI$206$324

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. For example, Safety increases average rates by nearly $200 a month -- that's more than a 60% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Arbella tends to be more affordable for the average driver, with monthly premiums coming in at around $206 to Safety's $324.

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How does Credit Score Impact Arbella and Safety Rates?

Did you know many auto insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (for example, California and Massachusetts are two states that ban the practice entirely), but it does affect quite a few policyholders out there.

The reasoning car 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 rates, while those with poor credit will typically be forced to pay more.

Looking at Arbella and Safety specifically, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

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

Generally, if you have stellar credit, you can expect to be rewarded. With Safety Insurance, improving your score from "good" to "excellent" will normally save you about $10. Because undefined, doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

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

Having bad credit typically means you'll also see higher prices with Safety Insurance. For drivers with less-than-stellar credit, at Safety Insurance, you may pay around 30% per 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. undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit might find better rates with undefined over Safety Insurance.

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

Arbella Safety
6,000 Annual Miles$142$216
12,000 Annual Miles$157$219

The amount of time you spend behind the wheel of your car plays a big role in how much insurance carriers will charge for coverage. That's because the fewer miles you put on your car each year, 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 rates for drivers with 6,000 annual miles come in about $74 more affordable than Safety. Those who drive 12,000 miles yearly can expect to pay around $62 less with Arbella over Safety.

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

Where you park your vehicle can have a substantial impact on your monthly car insurance bill. 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 road where they live, which increases the chances of an accident.

Arbella Safety
Urban Areas$186$282
Suburban Areas$168$221
Rural Areas$96$148

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

Those in rural areas can expect to save about $52 with Arbella compared to Safety. People who live in suburban areas pay around $53 less with Arbella compared to Safety. For drivers in urban ZIP codes, Arbella Insurance's average prices are about $96 less than Safety Insurance.

Arbella vs. Safety Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

The difficult 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.

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

Arbella Safety
Advance Quote Discount 
Annual Mileage Discount
Anti-Theft Discount
Book Transfer Policy Discount 
Continuous Insurance Discount 
Distant Student Discount
Driver Training Discount
E-Signature Discount 
Employee Discount 
Good Driving Discount
Good Student Discount
Group Discount
Hybrid Vehicle Discount 
Marketing Partner Discount 
Mature Driver Discount
Military Discount 
Multi-Car Discount
Multi-Policy Discount
Online Quote Discount 
Paid In Full Discount 

You can find offers for anti-theft discounts, discounts for getting driver training, discounts for being a good driver, and mature driver discounts from both carriers.

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Final Thoughts: Is Arbella or Safety Best for You?

So, you've seen how different variables can affect your car insurance rates. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, is Arbella or Safety the best company for you, your vehicle, and your wallet?

Arbella might be best for you if....

  • You've received a ticket for speeding recently and don't want to see your premiums increase.
  • You're looking for the best rates on liability only coverage.
  • You have a short drive to work everyday.

Safety might be best for you if...

  • Your credit is below-average.
  • You already have a great credit score.

Hopefully, this guide has ben a valuable resource as you compare Arbella and Safety. We also hope we've given you the information you need to make the best decision about your auto 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 multiple companies, not just Arbella and Safety. Luckily, sites like do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

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Arbella vs. Safety FAQs

Is Arbella or Safety cheaper?

Arbella is the less expensive of the two companies when looking at national average premiums, with policies averaging $150 a month with Arbella and $217 for Safety. However, that doesn't mean Arbella will be the most affordable carrier for every policyholder, since there are a variety of different factors that are considered when it comes to your insurance cost.

Who is better, Arbella or Safety?

Unfortunately, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all boils down to your unique car insurance profile. For example, Safety is more affordable for drivers who have less-than-stellar credit scores, while Arbella offers less expensive prices for policyholders with an at-fault accident on their record.

Why do Arbella and Safety offer me different rates?

Auto insurance carriers use many different variables when calculating the premiums they charge. Things such as where you call home, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Arbella and Safety calculate prices differently, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the car insurance company 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 insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Arbella or Safety 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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