ACE Auto Insurance Review (2021)

Ace auto insurance is available in the United States, Canada, and South America. In 2016, the company acquired Chubb Insurance, adopting the Chubb name. Chubb Insurance Group has an A++ (Superior) rating with AM Best.

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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...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 9, 2022

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Company Details
Address: 1133 Avenue of the Americas
City: New York
State: NY
ZIP Code: 10036
Phone Number: 212-827-4400
Year Founded: 1985
Company Rating 1 (3 reviews)

Things to remember...

  • Ace Group’s parent company is Swiss-based
  • Ace Group provides insurance for individuals, consumers, and businesses
  • The company was originally founded in 1985 to provide hard-to-find excess liability insurance for corporate managers and officers.

In 2016, Ace Insurance Agency Inc. bought the Chubb Corporation in a $29.5 billion purchase. Ace then adopted the Chubb name and the company now does all its business as Chubb Insurance.

We’ll refer to the company in this review, however, under both names to avoid any confusion.

Ace Insurance, now Chubb, is an international provider of multiple types of insurance solutions and reinsurance products to the following groups:

  • Individual consumers
  • Businesses
  • Financial institutions

The company also provides several other business-related services to companies in a variety of sectors.

In this Ace/Chubb auto insurance review, we’ll give you all the information you need to decide whether an auto insurance policy with Ace Insurance is right for you.

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How Are Ace Auto Insurance Rates?

While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important. You can look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy. The table shows average annual rates based on coverage levels.

Average Auto Insurance Rates by Coverage
Coverage TypesAverage Annual Auto Insurance Rates Average Monthly Auto Insurance Rates
Comprehensive coverage$150.36$12.53
Collision coverage$299.73$24.97
Liability coverage$516.39$43.03
Total Full Coverage Cost $954.99$79.58
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These are just guidelines. Actual rates will depend on a variety of factors such as age, driving history, and ZIP code.

What is Ace’s availability by state?

Because of the nature of Ace’s business, they don’t use local agents in the same sense that a company like Allstate or State Farm would.

Instead, all their insurance and financial products are handled through either a regional or local office by employees hired directly by the company, now known as Chubb Limited.

Ace Insurance operates in North America, South America, and the Asia-Pacific region. The company also has regional offices in Tokyo, London, Singapore, and Santiago as well as in Turkey, Hungary, and South Africa.

Their U.S. headquarters is located in New York, NY. The table below shows the contact information for Ace’s regional agents located throughout the United States.

Contact Information for U.S. Ace Auto Insurance Agencies
Name of AgencyAddressPhone NumberEmailWebsite Address
Baldwin Krystyn Sherman Partners, LLC4010 Boy Scout Blvd. #200
Tampa, FL 33607
855-656-0583[email protected]
BCU Risk Advisors250 W. Monroe St. #2525
Chicago, IL 60606
888-975-0493[email protected]
Fred C. Church Inc.89 Main Street Unit 201
Andover, MA 01810
855-651-3406[email protected]
Hiram Cohen & Son Inc. 486 Will Ave.
Williston Park, NY 11596
855-361-9589[email protected]
Kibble & Prentice Holding Comp. DBA USI Northwest601 Union Street #1000
Seattle, WA 98101
855-615-0598[email protected]
Lockton Companies LLC 16633 Ventura Blvd. #1300
Encino, CA 91436
833-981-1601[email protected]
Marsh & McLennan Agency LLC (Celedinas)1111 Brickell Ave. Ste. 115
Miami, FL 33131
855-407-5738[email protected]
Marsha Wortham, Agent2929 Allen Parkway #2500
Houston, TX 77019
855-814-2909[email protected]
Mason & Carter, Inc. 20 South Street
Baltimore, MD 21202
866-811-4138[email protected]
Paul T. Price & Son Inc. 580 N. Western Ave.
Lake Forest, IL 11596
844-926-1930[email protected]
Personal Risk Management Solutions, LLC335 Madison Ave. 22nd Floor
New York, NY 10017
844-407-8148[email protected]
Pritchard & Jerden, Inc.950 E. Paces Ferry Road. 2000
Atlanta, GA 30326
855-401-8179[email protected]
Rick Baker & Associates5360 Araphoe Ave. Ste. D
Boulder, CO 80303
888-392-0974[email protected]
Shepard Insurance Group Inc.170 E. Putnam Ave. #203
Old Greenwich, CT 06780
877-597-8858[email protected]
Swingle, Collins, & Associates13760 Noel Rd. Ste. 600 Dallas, TX 75240855-918-3194[email protected]
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Ace Insurance continues to expand internationally through a series of acquisitions and is now active on four continents.

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What Auto Insurance Coverages Are Offered?

One thing you’ll need to ask yourself before purchasing your auto insurance policy is, “How much insurance coverage do I need?

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by the auto insurance laws in your state of residence.

If you decide that you need more than the minimum coverage required by the state, there are several different options available to you as additional coverage.

The table below shows some of the different types of policies and coverage available to you, along with what they do.

Types of Auto Insurance Coverage
Auto Coverage TypePurpose of Coverage
Bodily injury liabilityPart of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident
CollisionCovers damage to your car after an automobile accident
ComprehensiveCovers damage to your car that happens when you're not driving
Personal injury protectionCovers medical expenses for you or your passengers after an automobile accident
Property damage liabilityThe other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident
Uninsured/underinsured motoristCovers the costs if you're in an automobile accident caused by a driver with little or no car insurance
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Always check with your insurance company to see what add-ons, endorsements, and riders are available to you, and make sure to take into account price and need when adding these things to your insurance policy.

What are Ace’s bundling options?

Many auto insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company.

For example, you can purchase your auto insurance policy as well as your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from 5 percent to 25 percent if you choose to bundle.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, but in this case, you’re buying auto insurance for multiple vehicles. Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.

What are discounts offered by Ace?

Generally, your auto insurance discount options through the company depend on what each provider has to offer, but many discounts are standard throughout the industry.

The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.

Standard Auto Insurance Discounts Offered by Major Companies
Discounts OfferedAverage Percentage
of Savings
Auto Insurance Companies Offering
Low mileage/Low usage discountUp to 20%State Farm, Allstate, Travelers, Nationwide, Progressive
Defensive driving discount10%–15%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers
Safe driver discount10%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Military and federal employee discount8%–15%GEICO, Esurance, USAA
Good student discount5%–25%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Senior/Mature driver discount 5%–10%GEICO, Allstate, Liberty Mutual
Homeowner discount3% State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers
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As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for as they can save you a lot of money on your auto insurance. The same is true, of course, when it comes to Chubb Limited.


What programs are available from Ace?

Among the insurance products that ACE offers to individual consumers is auto insurance. They provide standard policies that cover state minimum requirements for bodily injury, property damage, and uninsured/underinsured drivers.

Watch the video below to get an idea of what to expect from an auto insurance policy with Ace Insurance.

Policies can be written to include collision, theft and fire, vandalism, and third-party medical and property. Additional types of auto insurance options include coverage for tourism and travel, trip interruption, and towing.

Ace provides insurance for other vehicles such as boats, yachts, and even private planes.

Antiques, fine art, collectibles, and jewelry are other items that Ace Insurance will cover.

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How Easy Is Canceling Your Ace Auto Insurance Policy?

What should you do if you need to cancel your policy?

You can watch the video below to get an idea of what to expect should you need to cancel your auto insurance policy.

Keep reading to learn more.

Is there a refund?

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, you should always check with your insurance agent to see what factors apply to you.

How do you cancel?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid in.

When can I cancel?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy.

Once you’ve canceled your policy, any excess premiums will be refunded to you promptly.

How Do You Make an Ace Auto Insurance Claim?

What should you do if you need to file an auto insurance claim?

Watch the video below to get an idea of what you can expect during the claims process.

Ace auto insurance claims can be filed by using any of the following options:

  • File a claim online through their client portal by using your Ace insurance login information
  • File a claim by phone: 1 (800) 252-4670
  • File a claim by fax: 1 (800) 300-2538
  • File a claim through your local agent

If you choose to file a claim through the client portal on the company website, simply click on “Claims” from the website’s main page.

You can also file by calling the Ace auto insurance phone number at 1 (800) 252-4670.

Keep reading to learn more about Ace Insurance.

How Are The Company’s Auto Insurance Ratings?

In 2010, ACE Ltd. posted assets of more than $83 billion and gross premium revenues near $20 billion. Moody’s, A.M. Best, Fitch, and the Standard & Poor’s rating systems all gave both ACE Ltd. and ACE group high marks for both financial strength and future stability.

Reviews for Ace Limited auto insurance, or Chubb Auto Insurance Reviews, can be found on the Better Business Bureau’s (BBB) website by searching for Chubb insurance reviews on the BBB website.

Chubb business insurance reviews can also be found on the company website. Mexican auto insurance reviews for Chubb Insurance are also available online.

As we mentioned earlier, ACE Insurance acquired Chubb Insurance in 2016 and after the acquisition, the company began anew under the name Chubb Insurance. You can visit their website for information on how to get a Chubb auto insurance quote.

You can watch the video below to get an idea of the new vision for the company after the acquisition.

The company continues to perform well under the new name, receiving an A** (superior) rating from AM Best. This is despite a 2004 lawsuit that accused the company of questionable business practices. Ace settled the suit for $80 million.

The fact that ACE Group receives such high praise for its customer service despite its past legal problems indicates that they must be doing something correctly.

If you’re interested in Ace Insurance careers, you can check online. You can find more information about job opportunities by visiting the corporate website and clicking on the “Careers” link.

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What Is The Bottom Line?

Now that you know everything you need to know about Ace auto insurance, we hope that you’ll feel more confident in purchasing your policy.

Which part of this guide was the most helpful for you?

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Do You Have More Questions About Ace Auto Insurance?

In this section, we answer some of the most commonly asked questions about Ace auto insurance. Some of the answers may have been covered in part or in full in the guide above.

#1 – Does Ace Insurance offer SR-22 insurance?

If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver.

Normally, high-risk drivers are required to purchase SR-22 insurance, which isn’t available through all companies, so it may take some looking around to find coverage.

Ace Insurance does provide SR-22 insurance, but it can be expensive. The filing fee to get SR-22 insurance is only $15-$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is steep.

Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.

#2 – What kinds of questions should I be prepared for when purchasing my auto insurance policy?

When you apply for an auto insurance policy, you’ll be asked a series of demographic questions such as your name, age, and sex. You’ll also be asked a variety of other questions aimed at assessing your risk as a driver.

Some of the things the insurance company will want to know about are your driving record, the type of vehicle you’re insuring, and whether you’ve had any tickets or accidents in the past. Once this information is collected, the insurance company uses this data to assess your risk as a driver and determine your policy rates.

This is known as the underwriting process. By using this method of risk evaluation, auto insurance companies can reduce their chances of losing money on issued policies. They’ll examine your risk factors and decide if they want to insure you, and if so, at what rate.

#3 – Are there benefits to using an agent to purchase auto insurance?

While it’s possible to buy your auto insurance policy directly instead of through an agent, there are some possible downsides to doing so.

First of all, if you choose to go with a local agent, you’ll get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, it’s possible that you may speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the large budget that these companies use for direct marketing. This can even out the playing field when it comes to price, meaning that a local agent can often offer you the same prices you’d see when buying directly from a large insurance company.

#4 – How does adding drivers to my auto insurance policy affect my rates?

Adding another driver to your auto insurance policy means that your car will be spending more time on the road since a second person will be driving it. That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk as well.

For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced, and auto insurance companies see them as high-risk.

There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household. Always check with your auto insurance provider to see who you can add to make sure that whoever is driving your vehicle is covered on the policy.

#5 – Why would my provider cancel my auto insurance policy?

Your auto insurance provider may cancel your policy if you do any of the following:

  • Get your driver’s license suspended or revoked
  • Lie during the application process
  • Fail to pay your auto insurance premium

Your auto insurance company may also choose not to renew your policy if they determine you to be a high-risk driver.

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