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.

UPDATED: Nov 1, 2024Fact Checked

Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

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

Advertiser Disclosure

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.

UPDATED: Nov 1, 2024Fact Checked
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Chubb

Average Monthly Rate For Good Drivers

$44

A.M. Best Rating:

A++

Complaint Level:

Low

Pros

  • 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 Car Insurance Review

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 CriteriaChubb Car Insurance Review
Overall Score4.5
Business Reviews5
Claim Processing5
Company Reputation5
Coverage Availability5
Coverage Value4.5
Customer Satisfaction4.2
Digital Experience4.5
Discounts Available5
Insurance Cost4.1
Plan Personalization5
Policy Options3.8
Savings Potential4.4

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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.

Just the Basics

  • 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 & GenderMinimum CoverageFull 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

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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.

Chubb Car Insurance Review: Collision vs. Comprehensive def card

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 CompanyAge: 45 FemaleAge: 45 Male
Allstate: Chubb Car Insurance Review$162$160
American Family: Chubb Car Insurance Review$115$117
Chubb: Chubb Car Insurance Review$155$154
Farmers: Chubb Car Insurance Review$139$139
Geico: Chubb Car Insurance Review$80$80
Liberty Mutual: Chubb Car Insurance Review$171$174
Nationwide: Chubb Car Insurance Review$113$115
Progressive: Chubb Car Insurance Review$112$105
State Farm: Chubb Car Insurance Review$86$86
Travelers: Chubb Car Insurance Review$98$99
USAA: Chubb Car Insurance Review$59$59

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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 CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate: Chubb Car Insurance Review$160$188$225$270
American Family: Chubb Car Insurance Review$117$136$176$194
Chubb: Chubb Car Insurance Review$154$200$245$310
Farmers: Chubb Car Insurance Review$139$173$198$193
Geico: Chubb Car Insurance Review$80$106$132$216
Liberty Mutual: Chubb Car Insurance Review$174$212$234$313
Nationwide: Chubb Car Insurance Review$115$137$161$237
Progressive: Chubb Car Insurance Review$105$140$186$140
State Farm: Chubb Car Insurance Review$86$96$102$112
Travelers: Chubb Car Insurance Review$99$134$139$206
USAA: Chubb Car Insurance Review$59$67$78$108

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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 NameWhat it Covers
Agreed ValuePays agreed value if your car is totaled
CollisionPays for your vehicle damage from collisions
ComprehensiveProtects against non-collision events like theft or fire
Custom EquipmentInsures aftermarket parts and customizations
LiabilityCovers injury and property damage to others
Personal InjuryCovers medical expenses for you and passengers
Rental ReimbursementReimburses rental costs during vehicle repairs
Roadside AssistanceOffers towing and emergency services
Underinsured MotoristApplies when the other driver has insufficient insurance
Uninsured MotoristProvides protection from uninsured drivers

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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 NameSavings PotentialHow to Qualify
Multi-Vehicle20%Insure multiple vehicles
Bundling15%Combine auto and home insurance
Accident-Free10%Maintain a claim-free history
New Car Replacement10%Insure a new or recently purchased car
Safe Driver10%Maintain a clean driving record
Anti-Theft Device5%Install approved anti-theft devices
Defensive Driving5%Complete a certified driving course
Home Security System5%Install an approved security system
Paid-in-Full5%Pay the entire premium upfront
Paperless Billing3%Opt for digital statements

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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.

Diminished value claim
byu/meloncap78 inInsurance

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

AgencyChubb Car Insurance Review
J.D. Power TablePress LogoScore: 870/1,000
Above Avg. Satisfaction
Score: A++
Superior Financial Strength
Consumer Reports TablePress LogoScore: 82/100
Positive Customer Feedback
Score: 0.60
Fewer Complaints
A.M. BestScore: A++
Superior Financial Strength

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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.

Chubb car insurance review: chubb homepage

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.

 

Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

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.

Reviews
for Chubb Group Of Insurance Companies

3.99 (69 reviews)
1
August 8, 2021

Kapoor

Don’t go with Chubbs do yourself a favor

Very bad company I will suggest the entire world do yourself a favor don’t go with Chubbs they start with grate pricing they will bait you and then once they hit you they will slowly starting increases the prices
5
December 28, 2020

jsmith2005

High competence and good customer service

My experience has been very good. When ever I made a claim they put full effort into getting the money that I was entitled to.
5
May 1, 2020

bmak

Nice staff, boring stuff.

It was really nice, I did not have any problems during my visit. Not only that, the person that was guiding me, was really calm and supportive, though it was a tedious procces.
1
January 2, 2020

WorkingClassInsured

STAY AWAY

If I had the money I would sue this company in a bad faith lawsuit. No response from staff, no response from emails, and overall an ethical business practice. My vehicle was deemed a total loss when I was able to have it repaired at a reasonable cost my claim was denied I had to pay $1,600 out of pocket to have my car repaired. Completely shocked that this company has not been sued yet.
5
May 21, 2019

JobMan

Chubb is Great

Overall, couldn't be more pleased. Prompt professional service and remittance after a claim. They paid very quickly and were exteremly easy to work with.
1
April 23, 2019

Austin Akers

Chubb review

I was hit by a man insured with chubb insurance. They have the worst customer service I have ever come in contact with. I never get updated by the company what is going on with my claim. Nothing is clear with this company. I am three weeks in to this claim and my truck has not been touched.
5
September 26, 2018

Rijo

Great customer service

Enjoyed using the company as they satisfied all claims. However, premium became too expensive. Would have kept them if premiums were less.
5
July 19, 2018

Insurance10177342

They do a good job

They are professional and good. I am now dealing with a cracked windshield and it immediately was taken care of.
5
June 24, 2018

dancinkarefree

Great !

Great company! When I have had to file review, they are always prompt and generous with their reimbursement
5
April 17, 2018

willygrams

Great review

The experience, while arduous and difficult, was made a lot easier by their helpful staff and friendly customer service.
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<h3>Chubb Car Insurance Monthly Rates by Driving Record</h3>
<h3>Chubb Car Insurance Monthly Rates by Driving Record</h3>