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

Quick Facts

• Based on national averages for insurance, Arbella offers cheaper premiums than Vermont Mutual
• Arbella offers more affordable rates for couples purchasing auto insurance together
• Vermont Mutual offers more affordable average prices for drivers who have an at-fault accident on their record

Arbella vs. Vermont Mutual: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to Arbella or Vermont Mutual as your top options, but between the two, which carrier will save you the most?

Looking at nationwide averages, Vermont Mutual is about $23 more per month than Arbella.

But Arbella may not be the most affordable or best option for each driver out there. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your credit score, or even your driving record (among other things), so rates could change drastically from person to person.

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

Arbella or Vermont Mutual: Average Car Insurance Rates by State

Arbella and Vermont Mutual only compete against each other in Massachusetts, where Arbella offers the cheaper average rates. For Massachusetts residents, Arbella offers car insurance for $150 per month on average. Vermont Mutual's average premiums come out to be over 40% more expensive, at $219 monthly.

There's a lot more that goes into your auto insurance payment than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers out there on the road. That's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, 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 Vermont Mutual for their insurance pay nearly $10 less than those who use Arbella.

That being said, with both carriers, you'll see your prices drop significantly by the time drivers turn 25. For example, average premiums for Arbella policyholders lower almost 65% and Vermont Mutual's prices decrease more than 50% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Arbella and Vermont Mutual specifically, which carrier is best for retired drivers? Arbella gets the edge, with prices for drivers 65 and older $37 less expensive than the national average for Vermont Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more expensive for those who are single than they are for married policyholders. That's because policies for married couples normally cover multiple cars, which lots of companies will offer you a discount for.

When it comes to relationship status, Arbella is the clear winner for single policyholders, with premiums around $23 a month more affordable than Vermont Mutual, on average. The advantage for married drivers with Arbella is also obvious, where drivers save over 15% per month.

Arbella vs. Vermont Mutual: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will usually end up paying a little more.

Women and men get the same monthly rates with Arbella, and nearly 10% less with Vermont Mutual when compared to their male counterparts.

Looking at the data for each company specifically, Arbella comes out as the lowest option for both genders, with average prices $30 less for men and $16 cheaper for women.

Arbella or Vermont Mutual: 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, auto insurance isn't the easiest topic to understand. There are a variety of different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

However, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which generally refers to having comprehensive and collision coverages alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Arbella normally offers slightly less expensive premiums of $83 compared to Vermont Mutual's $85. When it comes to full coverage policies with similar limits, Arbella again has the edge, with policies about $45 a month cheaper than Vermont Mutual, on average.

Is Arbella or Vermont Mutual Better for Drivers with Spotty Records?

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

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two companies offers the most affordable prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Arbella policyholders can expect their rates to go up an average of $8 per month if they get a ticket, while Vermont Mutual typically raises prices around $7 a month, on average.

If you have a clean record, Arbella tends to offer the best premiums at about 0% more affordable, while Vermont Mutual has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will increase prices pretty significantly if you get into an at-fault collision with Arbella raising by just under $35. Vermont Mutual has a less extreme increase, but you can still expect to pay over $25 more than you were prior to your first accident.

Overall, the less expensive premiums come from Vermont Mutual, with monthly rates averaging $144 compared to Arbella Insurance's $151.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than an accident or ticket. For example, Vermont Mutual increases average premiums by nearly $200 per month -- that's over a 60% increase.

If you have a DUI on your record and are looking for more affordable rates, Arbella tends to be the much cheaper option with average prices of $206 a month compared to $307 from Vermont Mutual.

How does Credit Score Impact Arbella and Vermont Mutual Rates?

In many cases, your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect many drivers out there.

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 Arbella and Vermont Mutual, which one has the cheapest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Generally, if you have great credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will normally save Vermont Mutual customers around $15. Arbella, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Vermont Mutual. If your credit score is in the "poor" range, at Vermont Mutual, you may pay about $150 more a month compared to those with "fair" scores (and even more 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 might find better rates with Arbella over Vermont Mutual.

Is Arbella or Vermont Mutual 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 prices. Typically, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of getting into a collision and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Vermont Mutual charges. However, there's a small difference in monthly prices for Arbella, with policyholders who drive 6,000 miles yearly paying around $15 less every month compared to those who drive 12,000 miles each year. Still, Arbella is the cheaper option for drivers in both categories.

Arbella vs. Vermont Mutual: 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 auto insurance, but the type of area you live in can have a large impact as well. Usually, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more vehicles on the roads in those areas.

Arbella boasts the cheapest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Arbella offers rates about $186 monthly compared to Vermont Mutual's $199. People who live in suburban ZIP codes can expect to pay around $168 per month for Arbella and $169 for Vermont Mutual. Lastly, those in rural areas tend to get the most affordable prices from both carriers, with average monthly premiums coming in at $96 and $152 for Arbella and Vermont Mutual respectively.

Arbella vs. Vermont Mutual Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

In the table below, we've broken down all of the different discounts offered by both Arbella and Vermont Mutual so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Arbella has the advantage when it comes to total number of discounts. Vermont Mutual offers a grand total of 14 discounts, while Arbella has 18.

Both companies offer lots of the same discounts -- like anti-theft discounts, discounts for getting driver training, discounts for being a good student, and multi-policy discounts -- but Arbella also offers continuous insurance discounts, good driving discounts, group discounts, and more that Vermont Mutual does not.

On the flip side, Vermont Mutual has a couple unique discounts of its own -- ABS discounts, advance quote discounts, and experienced operator discounts.

Final Thoughts: Is Arbella or Vermont Mutual Best for You?

So, we've broken down the average rates for many of the variables car insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, is Arbella or Vermont Mutual the right company for you and your specific profile and needs?

Arbella might be best for you if....

• You have a clean record.
• Your neighborhood is in the suburbs.
• You don't spend much time in your car.

Vermont Mutual might be best for you if...

• You have received a ticket within the last few years.
• You have less-than-stellar credit.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a good idea of the differences between Arbella and Vermont Mutual. We also hope we've given you the information you need to make the best 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 multiple companies, not just Arbella and Vermont Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Arbella vs. Vermont Mutual FAQs

Is Arbella or Vermont Mutual cheaper?

Looking just at the national average prices, Arbella is the less expensive of the two companies, offering average rates of $150 a month compared to $173 for Vermont Mutual. Even so, Arbella won't necessarily be the lowest carrier for every driver, since there are a bunch of different factors that come into play when it comes to your car insurance bill.

Who is better, Arbella or Vermont Mutual?

Unfortunately, the answer truly is "it depends.". No single company is "better" for each driver -- it all comes down to what your unique insurance profile looks like. For example, Arbella offers more affordable rates for drivers with a recent DUI, while Vermont Mutual is cheaper for drivers with excellent credit.

Why do Arbella and Vermont Mutual offer me different rates?

Auto insurance carriers take a look at quite a few different variables when calculating the premiums they charge policyholders. Factors such as where you park your car, gender, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Arbella and Vermont Mutual calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the car 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, Compare.com does all the hard work for you. 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 best rate. And who knows, the best carrier for you might not be Arbella or Vermont Mutual 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.