Auto Insurance Comparison
Quick verdict
Arbella comes out clearly ahead Root in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Arbella | Root | |
|---|---|---|
| Overall score | 3.95 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | Arbella Insurance is a Massachusetts-and-Connecticut regional that competes seriously in both states | Root is a digital-native carrier built around a test-drive model — you install the app, drive for ~3 weeks, and Root prices your policy based on actual driving behavior |
| Read full review | Arbella review → | Root review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Arbella | Root |
|---|---|---|
| Customer experience | 4.10 | 3.50 |
| Coverage breadth | 4.00 | 3.50 |
| Affordability | 3.80 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Arbella
Full review →Pros
- Strong Massachusetts and Connecticut market presence
- Mutual structure with policyholder-aligned incentives
- Independent agent distribution — agents shop multiple carriers
- Solid customer satisfaction reputation in operating states
Cons
- Only available in Massachusetts and Connecticut
- No online quoting or direct-to-consumer purchase
- Mid-market pricing in a competitive Northeast market
Root
Full review →Pros
- Low-mileage drivers
- Drivers who do everything to keep themselves safe on the road
- Prospective customers want to save on renters and vehicle insurance.
Cons
- high-risk drivers in the high-risk categories.
- Insurance agents who prioritize work
- drivers who seek a comprehensive insurance plan
Coverage at a glance
What each carrier offers in standard policies.
Arbella
Root
The bottom line
Arbella
Arbella is a solid pick if you're in MA or CT and use an independent agent. Outside those states, it's not relevant.
Read the full Arbella reviewRoot
Root is worth trying if you're a genuinely safe driver who's comfortable with a 3-week test and digital-only service. If you need immediate coverage or prefer human agents, look elsewhere.
Read the full Root reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.