Chubb Car Insurance Review for 2024 [See Rates & Discounts Here]
Our Chubb car insurance review highlights its extensive add-on coverages, making it a top choice for those seeking comprehensive protection. However, its rates can be higher than expected, particularly for younger drivers and those with driving infractions. Chubb's minimum rates start at $44/mo.
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Nov 1, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Chubb
Average Monthly Rate For Good Drivers
$44A.M. Best Rating:
A++Complaint Level:
LowPros
- High customer service ratings
- Specialty add-on coverages
- Discount saving opportunities
Cons
- Expensive car insurance rates
- Long agent wait times
This Chubb car insurance review found the company boasts many benefits, particularly its extensive add-on coverages that protect customized equipment and comprehensive roadside assistance. However, Chubb auto insurance rates can be higher than expected for those buying car insurance, particularly for teenage drivers and those with DUIs.
Chubb’s strengths include strong customer satisfaction ratings and various discounts, making it appealing for drivers who value reliable claims handling.
Chubb suits drivers looking for robust coverage options, but it may not be the best fit for budget-conscious drivers.
Chubb Car Insurance Rating
Rating Criteria | |
---|---|
Overall Score | 4.5 |
Business Reviews | 5 |
Claim Processing | 5 |
Company Reputation | 5 |
Coverage Availability | 5 |
Coverage Value | 4.5 |
Customer Satisfaction | 4.2 |
Digital Experience | 4.5 |
Discounts Available | 5 |
Insurance Cost | 4.1 |
Plan Personalization | 5 |
Policy Options | 3.8 |
Savings Potential | 4.4 |
While customers with perfect driving records may find Chubb overage affordable, drivers with infractions should compare multiple quotes. Find affordable auto insurance today by entering your ZIP in our free car insurance quote tool.
- Chubb car insurance offers extensive add-on coverages to customers
- Despite strong customer satisfaction, Chubb’s insurance rates are high
- Chubb provides various discounts that can help reduce premiums
Chubb Car Insurance Rates
Chubb auto insurance rates are pricier than customers may expect, especially for teenage drivers purchasing a Chubb policy (Read More: Perks of Staying on Your Parent’s Policy).
Chubb Car Insurance Monthly Rates by Age, Gender, & Coverage Level
Age & Gender | Minimum Coverage | Full Coverage |
---|---|---|
Age: 16 Female | $234 | $698 |
Age: 16 Male | $260 | $745 |
Age: 18 Female | $195 | $611 |
Age: 18 Male | $220 | $665 |
Age: 25 Female | $100 | $305 |
Age: 25 Male | $110 | $325 |
Age: 30 Female | $85 | $285 |
Age: 30 Male | $90 | $295 |
Age: 45 Female | $45 | $155 |
Age: 45 Male | $44 | $154 |
Age: 60 Female | $40 | $140 |
Age: 60 Male | $42 | $145 |
Age: 65 Female | $38 | $135 |
Age: 65 Male | $39 | $138 |
While rates are cheaper for minimum coverage policies, customers should be aware that these policies don’t include comprehensive and collision insurance, which are two vital coverages for financial protection.
However, full coverage will be cheapest for customers with perfect driving records, as customers with infractions will see very high Chubb insurance rates for full coverage.
One DUI will raise rates the most out of all the infractions, with subsequent DUIs raising rates even more for drivers.
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Chubb Car Insurance Rates vs. the Competition
Now that you know Chubb’s base insurance rates, it’s time to see how they compare to other companies’ auto insurance rates.
Chubb Car Insurance Monthly Rates vs. Top Competitors by Age & Gender
Insurance Company | Age: 45 Female | Age: 45 Male |
---|---|---|
$162 | $160 | |
$115 | $117 | |
$155 | $154 | |
$139 | $139 | |
$80 | $80 | |
$171 | $174 | |
$113 | $115 | |
$112 | $105 | |
$86 | $86 | |
$98 | $99 | |
$59 | $59 |
Allstate and Liberty Mutual are slightly more expensive than Chubb for auto insurance based on age and gender, so Chubb isn’t the most expensive company. You can learn more about these two companies in our Allstate car insurance review and Liberty Mutual car insurance review.
Because driving records also have a big impact on auto insurance rates at companies, see how Chubb’s rates compare based on driving infractions below.
Chubb Car Insurance Monthly Rates by Provider & Driving Record
Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
---|---|---|---|---|
$160 | $188 | $225 | $270 | |
$117 | $136 | $176 | $194 | |
$154 | $200 | $245 | $310 | |
$139 | $173 | $198 | $193 | |
$80 | $106 | $132 | $216 | |
$174 | $212 | $234 | $313 | |
$115 | $137 | $161 | $237 | |
$105 | $140 | $186 | $140 | |
$86 | $96 | $102 | $112 | |
$99 | $134 | $139 | $206 | |
$59 | $67 | $78 | $108 |
Chubb is the second most expensive company for DUI drivers, so drivers with a DUI on their record may want to shop around to find lower rates.
Chubb Car Insurance Coverage
One of the perks of buying car insurance from Chubb is the variety of coverage options customers have to choose among.
Chubb Car Insurance Coverage Options
Coverage Name | What it Covers |
---|---|
Agreed Value | Pays agreed value if your car is totaled |
Collision | Pays for your vehicle damage from collisions |
Comprehensive | Protects against non-collision events like theft or fire |
Custom Equipment | Insures aftermarket parts and customizations |
Liability | Covers injury and property damage to others |
Personal Injury | Covers medical expenses for you and passengers |
Rental Reimbursement | Reimburses rental costs during vehicle repairs |
Roadside Assistance | Offers towing and emergency services |
Underinsured Motorist | Applies when the other driver has insufficient insurance |
Uninsured Motorist | Provides protection from uninsured drivers |
Chubb customers can choose from multiple add-ons that protect customized equipment, pay the full value of the car, or provide roadside assistance (Learn More: The Perks and Pitfalls of Car Insurance Add-Ons).
Chubb Car Insurance Discounts
Because Chubb’s rates are higher, customers will want to take advantage of the car insurance discounts Chubb offers.
Chubb Car Insurance Discounts
Discount Name | Savings Potential | How to Qualify |
---|---|---|
Multi-Vehicle | 20% | Insure multiple vehicles |
Bundling | 15% | Combine auto and home insurance |
Accident-Free | 10% | Maintain a claim-free history |
New Car Replacement | 10% | Insure a new or recently purchased car |
Safe Driver | 10% | Maintain a clean driving record |
Anti-Theft Device | 5% | Install approved anti-theft devices |
Defensive Driving | 5% | Complete a certified driving course |
Home Security System | 5% | Install an approved security system |
Paid-in-Full | 5% | Pay the entire premium upfront |
Paperless Billing | 3% | Opt for digital statements |
You should able to lower your car insurance cost by applying at least a few of the many discounts Chubb has to offer.
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Chubb Customer Reviews
Chubb has positive feedback from both customers and drivers who filed claims against Chubb, with good reviews left on places like Reddit, as you can see in the Reddit review posted below.
Chubb pays out claims promptly according to feedback, and customers can contest claim settlements if need be, but that seems to be rare as Chubb’s claim satisfaction ratings are high (Read More: How to Negotiate a Settlement after a Car Accident). One of the few downsides noted in customer reviews is that it can sometimes take a while to contact an agent.
Chubb Business Ratings
Chubb also has excellent business insurance ratings from major rating sites A.M. Best, J.D. Power, and more.
Chubb Car Insurance Business Ratings & Consumer Reviews
Agency | |
---|---|
Score: 870/1,000 Above Avg. Satisfaction |
|
Score: A++ Superior Financial Strength |
|
Score: 82/100 Positive Customer Feedback |
|
Score: 0.60 Fewer Complaints |
|
Score: A++ Superior Financial Strength |
High ratings from J.D. Power show most customers are satisfied with the experience of filing a car insurance claim after an accident at Chubb, and there is also a low number of customer complaints recorded by NAIC.
Chubb also has the highest rating possible from A.M. Best, meaning it is extremely financially stable.
Chubb Pros and Cons
Customers and businesses recommend Chubb car insurance in most cases, as it comes with the following pros for customers:
- Add-On Coverages: Chubb has several different types of car insurance coverage to suit every customer’s needs.
- Discount Options: Chubb auto insurance discounts can help reduce customer costs on car insurance policies.
- Claim Filing: Chubb has high customer satisfaction ratings for claims handling.
Of course, Chubb isn’t perfect. The main downsides that may make customers think twice before purchasing a policy are:
- High Costs: Chubb is one of the most expensive companies on the market for car insurance coverage.
- Agent Contacts: Some customers have noted longer wait times to speak directly to an agent.
The main deterrent of Chubb is its high rates when customers get Chubb car insurance quotes, as well as the wait time to speak directly to an agent over the phone.
However, customers who can afford Chubb vehicle insurance will find it well-rated in all other aspects.
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What to Consider Before Choosing Chubb as Your Car Insurance Company
As you’ve discovered in our review of Chubb car insurance, Chubb is not one of the cheapest car insurance companies. However, the company’s extensive add-on coverages are a major pro.
Chubb stands out for its strong customer satisfaction ratings, with J.D. Power indicating high claims handling satisfaction.Brandon Frady Licensed Insurance Producer
Ultimately, Chubb is best suited for drivers seeking robust coverage options, though those on a budget may need to explore other options. To find the best policy for your needs, use our free quote tool to compare multiple car insurance companies online and take advantage of available discounts.
Frequently Asked Questions
Is Chubb insurance legit?
Yes, Chubb vehicle insurance is a legitimate company.
Is Chubb a reliable insurance company?
Yes, Chubb insurance has high ratings from businesses and customers for customer service and claims satisfaction.
Is Chubb insurance more expensive?
Yes, Chubb is an expensive auto insurance company, and customers will have even higher rates if they have poor driving records (Learn More: Things You Do That Can Raise Your Premiums). If you need to find a different company with more affordable rates, compare rates today with our free tool.
How long does Chubb insurance take to pay out?
It depends on the complexity of your claim, but it should be within a week or two.
Who is Chubb owned by?
ACE Limited.
What is Chubb insurance known for?
Chubb is known for insuring higher-end cars and great claims services (Read More: Best Car Insurance by Vehicle).
Can I pay Chubb with a credit card?
Yes, you can pay for your Chubb vehicle insurance with a credit card.
How do I check my Chubb insurance policy?
You can check on your Chubb car insurance policy online at Chubb’s website or use Chubb’s app.
How do I cancel Chubb?
You can fill out a cancellation request online from your account or contact Chubb’s customer service number. Make sure to purchase new insurance before canceling, as all drivers need auto insurance (Learn More: Why do you need car insurance?).
What is Chubb insurance A.M. Best rating?
Chubb has an A++ rating from A.M. Best.
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
Kapoor
Don’t go with Chubbs do yourself a favor
jsmith2005
High competence and good customer service
bmak
Nice staff, boring stuff.
WorkingClassInsured
STAY AWAY
JobMan
Chubb is Great
Austin Akers
Chubb review
Rijo
Great customer service
Insurance10177342
They do a good job
dancinkarefree
Great !
willygrams
Great review