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

Quick Facts

• Looking at the national averages for car insurance, Arbella offers less expensive prices than Travelers
• Arbella has more affordable premiums for policyholders who haven't received any speeding tickets or been in a collision in the last few years
• Travelers may help you save more money -- they offer more discounts than Arbella Insurance

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might have narrowed it down to Arbella or Travelers as your top options, but which one will offer you cheaper prices?

Looking at the national average rates for both carriers, Travelers has average rates that are around 10% a month more expensive than those from Arbella.

That being said, that doesn't mean Arbella will necessarily be more affordable than Travelers for each driver. Insurance companies 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 variety of other factors, so rates will change quite a bit from person to person.

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

Arbella vs. Travelers: Average Car Insurance Rates by State

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

That being said, there are plenty of other factors that go into your auto insurance bill than just where you call home. Keep reading to find out more.

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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 an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Arbella for their insurance pay 1% less than those who use Travelers.

Even so, both carriers will lower premiums by the time drivers turn 25. For example, average rates for Arbella policyholders decrease almost 65% and Travelers's prices drop over 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance rates you'll ever find. After all, they've likely been driving for quite some time, which generally lowers their chances of collisions and other infractions that can raise prices.

When looking at Arbella and Travelers specifically, which company is best for retired drivers? Arbella gets the edge, with premiums for drivers 65 and older $38 cheaper than the national average for Travelers.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive insurance prices than single drivers. This usually boils down to married policyholders having several vehicles on their policy -- something several auto insurance companies will reward with discounts.

For single policyholders, the difference in average rates between these two carriers is not very significant, with Arbella premiums coming in at about 10% less than Travelers's. The advantage for married drivers is more obvious, where drivers who use Arbella save around $20 a month.

Arbella or Travelers: Average Rates by Gender

Men usually 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 rates.

Everyone gets the same monthly premiums regardless of gender with Arbella, and about $10 with Travelers.

Looking at the data for each carrier specifically, Arbella comes out as the cheapest option for both genders, with average prices 13% less for men and 7% cheaper for women.

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Arbella vs. Travelers: 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.

Auto insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Arbella has the 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 Travelers's $225.

Is Arbella or Travelers Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car 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 accidents and speeding tickets on your record, but which of these two companies offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Arbella for their insurance can generally expect their monthly bill to go up about 6% after getting a speeding ticket. Travelers policyholders can expect a bit more drastic of an increase of around 20%.

But Arbella tends to offer the best prices for drivers both with a ticket and with a clean record, offering prices that are $11 and $35 more affordable, respectively, compared to Travelers.

Which Company is Best for Drivers After an Accident?

Arbella drivers who get in an accident can expect to see their premiums increase by just under $35, while those who have insurance through Travelers will see about a $45 increase.

At the end of the day, Arbella offers the cheapest prices for drivers with an at-fault collision on their records, with average rates coming in at $151 compared to Travelers's $173.

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 auto insurance bill. Arbella drivers usually see a 43% climb in their car insurance premiums after a DUI charge, while Travelers will normally increase prices by around 38%.

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How does Credit Score Impact Arbella and Travelers Rates?

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

The reasoning car insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with cheaper prices.

So, which company offers the lowest rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Normally, if you have stellar credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will normally save Travelers customers about 15%. On the other hand, because Arbella 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?

Having bad credit can cost you with Travelers. For drivers with less-than-stellar credit, at Travelers, you may pay around $60 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, because Arbella doesn't have data available for credit scores, they may have better rates for drivers with bad credit over Travelers.

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Is Arbella or Travelers 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 insurance cost. Usually, the more milage you put on your car, the more you can expect to pay for coverage.

For both remote workers and those taking short commutes, Arbella offers less expensive prices than Travelers. Travelers average premiums for drivers with 6,000 annual miles come in about $22 more expensive than Arbella. Those who drive 12,000 miles annually can expect to pay around $12 more with Travelers over Arbella.

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

Where you live can play a considerable role in how much you pay for auto insurance. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Arbella boasts the most affordable average premiums in rural and urban areas, while Travelers wins in suburban areas.

Those in rural areas can expect to save about 29% with Arbella compared to Travelers. People who live in suburban areas pay around 5% less with Travelers compared to Arbella. For drivers in urban ZIP codes, Arbella Insurance's average rates are about 9% less than Travelers.

Arbella vs. Travelers 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, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every company 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 Travelers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Travelers blows Arbella away when it comes to the sheer amount of discounts available, offering 25 different discounts to Arbella's 18.

Both carriers offer several of the same discounts -- like continuous insurance discounts, discounts for getting driver training, discounts for being a good driver, and hybrid vehicle discounts -- but Travelers also offers discounts for ABS, advance quote, alternative fuel, and more.

On the other hand, Arbella has a few proprietary discounts of their own for things like annual mileage discounts, marketing partner discounts, military discounts, and more.

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Final Thoughts: Is Arbella or Travelers Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, is Arbella or Travelers the right carrier for you and your specific needs?

Arbella might be best for you if....

• You've received a ticket for speeding recently and don't want to see your rates climb.
• You live in a rural area.
• You and your spouse are buying car insurance together.

Travelers might be best for you if...

• Your driving record includes a DUI charge.
• You have above-average credit.
• Your neighborhood is in the suburbs.

Hopefully, this guide has ben a valuable resource as you compare Arbella and Travelers. We also hope we've given you the information you need to make the best decision when it comes to 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 a handful of companies, not just Arbella and Travelers. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

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Arbella vs. Travelers FAQs

Is Arbella or Travelers cheaper?

Arbella is the cheaper of the two companies when looking at national average prices, with policies averaging $150 per month with Arbella and $167 for Travelers. However, that doesn't mean Arbella will be the lowest company for every policyholder, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Arbella or Travelers?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for each policyholder -- it all depends on the makeup of your unique car insurance profile. For example, Travelers is less expensive for drivers who have less-than-stellar credit scores, while Arbella offers more affordable premiums for policyholders with an at-fault collision on their record.

Why do Arbella and Travelers offer me different rates?

Insurance carriers use a lot of different variables when calculating the rates they charge. Factors like age, gender, your driving record, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Arbella and Travelers calculate prices differently, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a range of different companies.

How do I know if Arbella or Travelers 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, 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 best rate. And maybe you'll find that the best company for you isn't Arbella or Travelers at all, but another you hadn't even thought of!

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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.