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

Quick Facts

• Looking at the national averages for car insurance, Arbella offers slightly less expensive rates than State Farm
• Arbella offers cheaper average prices for drivers who have received a ticket within the last few years
• State Farm offers more discounts than Arbella Insurance

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Arbella or State Farm as potential options, but between the two, which one will offer you more affordable rates?

Looking at the national average rates for both companies, Arbella is about $8 per month less expensive than State Farm.

However, Arbella may not be the cheapest or best option for each driver out there. Auto insurance carriers use a ton of complex algorithms to calculate premiums, so depending on how good your credit score is or where you live (among a multitude of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both Arbella and State Farm by a range of different rate factors, so read on to find out which carrier is the best for you.

Arbella or State Farm: Average Car Insurance Rates by State

Arbella and State Farm only compete against each other in Massachusetts, where State Farm offers the cheaper average rates. For Massachusetts residents, State Farm offers insurance for $66 a month on average. Arbella's average premiums come out to be over 70% more expensive, at $150 monthly.

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

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. Normally, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Arbella for their insurance pay $2 less than those who use State Farm.

Even so, both companies will reduce prices once you turn 25. For example, average rates for Arbella policyholders lower nearly 65% and State Farm's prices decrease almost 60% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable car insurance premiums you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

But who has the best premiums for retired drivers between Arbella and State Farm? Arbella gets the edge, with prices for drivers 65 and older $17 more affordable than the national average for State Farm.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more expensive for single drivers than they are for married couples? That's because policies for married drivers typically cover several cars, which many carriers will offer you a discount for.

If you're in the market for auto insurance, Arbella tends to have the lowest average premiums regardless of if you're married or single, with prices around 4% cheaper for those who are single and about 6% more affordable for married policyholders.

Arbella vs. State Farm: Average Rates by Gender

Men generally pay more for car insurance than women. This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher prices.

Women and men end up paying same monthly rates with Arbella, and around $12 less with State Farm.

Looking at overall affordability, Arbella offers the most affordable average premiums for both men and women. On average, male drivers save about $14 a month and women save about $2 with Arbella compared to the average State Farm policyholder.

Arbella or State Farm: 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 limits and terms that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, Arbella normally offers less expensive rates of $83 compared to State Farm's $99. When it comes to full coverage policies with similar limits, Arbella again has the edge, with policies around $0 per month cheaper than State Farm, on average.

Is Arbella or State Farm Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies 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 tickets and at-fault accidents lead to higher rates, but which company -- Arbella or State Farm -- has the lowest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Arbella policyholders can expect their prices to go up an average of $8 a month if they get a ticket, while State Farm usually raises premiums about $21 per month, on average.

But Arbella has less expensive rates for drivers in both categories, offering prices that are $17 and $30 more affordable, respectively, compared to State Farm.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Arbella can expect to see around an $34 -- or about 23% -- increase in their insurance premiums. Drivers who use State Farm for their car insurance will see a monthly bill around $29 (or 18%) more expensive after reporting an accident to their insurance carrier.

Overall, Arbella offers the cheapest rates for drivers with an at-fault accident on their records, with monthly prices averaging $151 compared to State Farm's $163.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. Arbella drivers usually see a 43% raise in their insurance rates after a DUI charge, while State Farm will normally climb prices by about 25%.

How does Credit Score Impact Arbella and State Farm Rates?

Did you know that many auto insurance carriers take your credit score into account when calculating premiums? This isn't always the case (for example, California and Hawaii are two states that ban the practice entirely), but it does affect several drivers out there.

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.

So, which company offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have excellent credit. Jumping from a "good" credit score to an "excellent" one will typically save State Farm customers 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 rates with State Farm. For drivers with less-than-stellar credit, at State Farm, you may pay about $150 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 Arbella doesn't have data available for credit scores, they may have better prices for drivers with bad credit over State Farm.

Is Arbella or State Farm 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 insurance carriers will charge for coverage. Generally, those who drive less will end up with cheaper rates since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Arbella offers more affordable premiums than State Farm. Arbella's average prices for drivers with 6,000 annual miles come in around 6% less expensive than State Farm. Those who drive 12,000 miles each year can expect to pay about 4% less with Arbella over State Farm.

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

Where you live can play a pretty big role in how much you pay for car insurance. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

When comparing these two companies side-by-side, State Farm tends to offer the cheapest option for drivers in urban and suburban areas, while Arbella wins in rural areas.

If you live in a rural area, you can expect to save around 24% with Arbella compared to State Farm. Drivers in suburban ZIP codes pay about 4% less with State Farm compared to Arbella. In urban areas, State Farm's average premiums are around 1% less than Arbella Insurance.

Arbella vs. State Farm Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

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

In the table below, we've compared all of the different discounts offered by Arbella and State Farm so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, State Farm comes out ahead with 23 discounts to Arbella's 18.

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, discounts for being a good driver, and military discounts. State Farm also offers ABS discounts, defensive driver discounts, drive safe & save 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 Arbella or State Farm Best for You?

So, we've broken down the average prices for many of the factors car insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Arbella or State Farm the right carrier for you and your specific driver profile?

Arbella might be best for you if....

• You've been pulled over for speeding recently.
• You're looking for more protection with "full coverage" auto insurance.
• You have a short drive to work everyday.

State Farm might be best for you if...

• You already have plans to move to another state -- undefined is only available in.
• You have above-average credit.
• Your neighborhood is in a city.

We hope this guide has ben a valuable resource as you compare Arbella and State Farm and that it aids in making a more informed decision about your 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 companies, not just Arbella and State Farm. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Arbella vs. State Farm FAQs

Is Arbella or State Farm cheaper?

Looking just at the national average rates, Arbella is the cheaper of the two companies, offering average rates of $150 per month compared to $158 for State Farm. That being said, Arbella won't necessarily be the lowest company for every driver, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Arbella or State Farm?

Sadly, the answer truly is "it depends.". No one carrier is necessarily "better" for each driver -- it all depends on what your unique auto insurance profile looks like. For example, Arbella offers more affordable prices for policyholders with an at-fault accident on their record, while State Farm is less expensive for drivers who have less-than-stellar credit scores.

Why do Arbella and State Farm offer me different rates?

Car insurance carriers take a look at a lot of different factors when determining the premiums they charge drivers. Variables such as gender, age, where your home is, your driving record, and sometimes even things like your credit score can all be used. Both Arbella and State Farm calculate rates differently, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best company for you might not be Arbella or State Farm 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.