Chubb Auto Insurance Review 2022

Chubb auto insurance is more expensive than many other providers, but coverage and customer service with the company are exceptional.

UPDATED: Oct 18, 2022Fact Checked

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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...

Full Bio →

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 Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Oct 18, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Oct 18, 2022

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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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: Oct 18, 2022Fact Checked
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Chubb Insurance Company

Average annual rate for good drivers:

$0

A.M. Best rating:

A++

Complaint level:

Low

Pros

  • Ample coverage for customers
  • Few complaints for a company of its size
  • Adequate coverage for high-end vehicles
  • Excellent customer service

Cons

  • No option for cheap coverage
  • Not conducive to people looking for affordable rates

The Bottom Line

Chubb offers top-of-the-line auto insurance coverage to high-end clients. So if you have a nice car and want to ensure it’s covered — even for up to $10 million in liability coverage and uninsured or underinsured motorist insurance — Chubb may be the insurance company for you.

Unfortunately, Chubb car insurance rates are significantly more expensive than coverage with most other insurance companies. Therefore, anyone concerned with their car insurance rates should consider other companies that offer more affordable coverage.

Chubb has excellent ratings and reviews, and many policyholders state the company’s customer service is exceptional. So if you’re looking for great service and one-of-a-kind options for car insurance coverage, Chubb could be a great option.

If you have an expensive car and value customer service and one-of-a-kind coverage options, you may want to consider Chubb Insurance when you look for your next car insurance provider.

Chubb auto insurance is geared toward a high-end clientele with enough money to pay for significant coverage and care. With Chubb, you will likely pay more than you would with other insurers, but you’re more likely to get the services you want and need. 

You may be searching for cheap auto insurance rates online. If you are, you should not consider Chubb. The company is not concerned with offering cheap rates or state-required coverage that only costs the bare minimum. 

Instead, Chubb provides an excellent level of customer service and generous perks and advantages to every policyholder. But car insurance rates with Chubb can be significantly more expensive than they are with other companies. 

Before you decide on your next auto insurance provider, compare coverage options and prices with other companies in your area. If you decide you’re willing and able to pay more money for better service and coverage, you may want to choose Chubb for your car insurance.

Is Chubb Group of Insurance Companies a Good Choice?

Chubb has favorable reviews from major evaluating companies in the U.S. The company garners an A++ (Superior) financial strength rating with A.M. Best. Additionally, the company has an A+ rating with the Better Business Bureau (BBB)

While there are no Chubb reviews or ratings with J.D. Power, Chubb does have fewer than the average number of complaints for a company of its size, according to the National Association of Insurance Commissioners (NAIC). 

With NAIC, the baseline for customer complaints is 1.0. The rating for Chubb Insurance, however, is 0.35. This indicates that customers are generally happy with the products and customer service they receive from Chubb. You can do more research online to learn what customers have to say about Chubb’s coverage and customer service. 

If you’re considering Chubb, you should still shop around to compare quotes and see which insurance providers might work best for you. There’s no sense in paying more for coverage if you don’t have to. 

What is Chubb Insurance?

Chubb is a high-end insurance company that offers high-end products to its customers. Chubb insurance is more expensive than insurance with many other providers, but Chubb offers one-of-a-kind coverage and customer service to its clients.

Chubb has several options for add-on coverage that helps keep policyholders comfortable. For example, the company offers car insurance coverage that helps customers stay in a nice car even when theirs is in the shop. In addition, they can rent a car that is similar to their make and model so they can stay accustomed to the finer things in life. 

Chubb has a reputation for excellent customer service. The company is well-known for covering high-value cars and offering peace of mind to high-end individuals who don’t mind spending extra money for additional creature comforts.

With premium prices and exceptional service, Chubb has made a name for itself with its car insurance policies and other insurance options. However, Chubb Insurance is not the way to go if you’re looking for cheap rates. Instead, you should find and compare quotes from insurance companies in your area that offer reasonable prices on products. 

What makes Chubb’s customer service so exceptional?

While Chubb is known for offering high-end coverage to its wealthy policyholders, the company does not have the number of complaints you might expect from a mainstream insurance provider. Instead, most customers are very happy with Chubb, even though they pay higher-than-average insurance rates.

So what’s the big deal about Chubb’s customer service? And why is the company so popular among its high-end clientele?

Chubb offers a vast array of services and coverage options that no other insurance company offers. With Chubb, clients can get VIP treatment 24/7, and most policyholders state that contacting customer service representatives is simple and quick.

 

Chubb Group of Insurance Companies Rates

You can expect auto insurance coverage with Chubb to be more expensive than with most other companies. This is because Chubb offers premium service but does so at a premium price. If you want to learn how much you would pay for a car insurance policy with Chubb, you can get a quote from the company.

The Chubb website states that it covers classic and collector cars and has a section where you can get a direct quote.

Your quote with Chubb will be determined by several different factors, such as:

  • The make and model of your car
  • Your age
  • Where you live
  • The amount of coverage you want
  • Your driving record
  • Your credit score

All insurance providers consider different factors when assessing a potential policyholder’s risk. Chubb is no different, but the company may give certain factors a different weight when compared to other insurance providers.

Chubb car insurance rates vary, but statistically, they will be fairly expensive when compared to companies like USAA auto insurance, GEICO auto insurance, and AAA.

Average Monthly Full Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Full Coverage Rates
Allstate$160
American Family$117
Farmers$139
Geico$80
Liberty Mutual$173
Nationwide$115
Progressive$105
State Farm$86
Travelers$99
Average$120
Get Your Rates Quote Now

Now compare those full coverage rates with liability insurance only.

Average Minimum Monthly Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Minimum Coverage Rates
Allstate$61
American Family$44
Farmers$53
Geico$31
Liberty Mutual$68
Nationwide$44
Progressive$39
State Farm$33
Travelers$37
Average$45
Get Your Rates Quote Now

Allstate often has the most expensive car insurance rates, but in many cases, Chubb is close to the same as Allstate in terms of cost. The one time that Chubb rates are not as expensive seems to be for teen drivers.

Chubb Rates Based on Age

In an assessment of cost for 18-year-old drivers, Chubb quotes were 22% more affordable than the average policy.

Average Annual Full Coverage Auto Insurance Rates for Teen Drivers
Insurance Company16-Year-Old Male With a Clean Record16-Year-Old Female With a Clean Record18-Year-Old Male with a Clean Record18-Year-Old Female with a Clean Record
Allstate$7,654$7,299$6,223$5,381
American Family$5,761$4,682$4,684$3,452
Farmers$8,901$9,330$7,238$6,879
GEICO$3,743$3,573$3,043$2,635
Liberty Mutual$9,339$8,592$7,593$6,335
Nationwide$5,714$4,926$4,646$3,632
Progressive$9,766$9,617$7,941$7,090
State Farm$4,191$3,730$3,408$2,750
Travelers$10,762$8,506$8,750$6,271
National Average$7,315$6,695$5,947$4,936
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Chubb rates for teenagers are more reasonable when compared to the national average than its rates in other categories.

Chubb Rates Based on Driving History

If you have accidents or incidents on your driving record, you can expect your rates to be higher than average.

Average Monthly Full Coverage Auto Insurance Rates for Drivers with an Accident
Insurance CompanyRates with an AccidentRates with a Clean Record
Allstate$225$160
American Family$176$117
Farmers$198$139
GEICO$132$80
Liberty Mutual$234$173
Nationwide$161$115
Progressive$186$105
State Farm$102$86
Travelers$139$99
Average$172$120
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Chubb rates are no exception. Take a look at the table below to see how rates after getting one traffic ticket to rates with a clean driving record. 

Average Monthly Full Coverage Auto Insurance Rates for Drivers with a Traffic Ticket
Insurance CompanyRates with a TicketRates with a Clean Record
Allstate$188$160
American Family$136$117
Farmers$173$139
GEICO$106$80
Liberty Mutual$212$173
Nationwide$137$115
Progressive$140$105
State Farm$96$86
Travelers$134$99
Average$147$120
Get Your Rates Quote Now

It will be no surprise that your rates will increase the most if you’re charged with a DUI. Take a look at the chart below for rates after a DUI.

Average Monthly Full Coverage Auto Insurance Rates for Drivers with a DUI
Insurance CompanyRates with a DUIRates with a Clean Record
Allstate$270$160
American Family$194$117
Farmers$192$139
GEICO$216$80
Liberty Mutual$313$173
Nationwide$234$115
Progressive$140$105
State Farm$112$86
Travelers$206$99
Average$209$120
Get Your Rates Quote Now

You can see where it pays to pay follow driving laws and keep a clean driving record.

Chubb Rates Based on Credit History

Your credit history can also impact your car insurance rates.

Average Annual Auto Insurance Rates by Credit Rating
Insurance CompanyRates with Poor CreditRates with Fair CreditRates with Good Credit
American Family$2,432$1,635$1,386
Farmers$3,233$1,926$1,674
GEICO$1,781$1,197$984
Liberty Mutual$4,256$2,712$2,120
Nationwide$1,988$1,595$1,445
Progressive$2,471$1,655$1,310
State Farm$2,398$1,411$1,091
Travelers$2,323$1,534$1,287
Allstate$3,551$2,362$1,993
Average$2,715$1,781$1,477
Get Your Rates Quote Now

Like other companies, Chubb’s rates for people with poor credit are more expensive than those with a good credit history. 

Chubb is not the company you want if you intend to find cheap car insurance for your vehicle. But if you are looking for outstanding service and over-the-top coverage to keep you and your vehicle safe no matter what, Chubb may be a great company for you.

You can get a Chubb car insurance quote from the company website to see how much you would pay. Still, comparing any car insurance quote you receive with a quote from multiple providers is a good idea. There’s no reason you should overpay for coverage. Comparing car insurance quotes will help you determine which company is best for you and your family. 

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Chubb Group of Insurance Companies Discounts Available

As you can imagine, Chubb is not all that focused on offering discounts on its car insurance coverage options. Still, the company does offer a few discounts to certain clients. 

If you’re interested in receiving a discount with Chubb, learn more about your options. You may need to speak with a company representative to ensure the discount is applied to your policy correctly. 

The car insurance discounts Chubb offers to its policyholders include:

  • Multi-car. If you cover more than one vehicle on your policy, you may be able to save money. Chubb offers a discount for adding multiple cars to your insurance policy.
  • Multi-policy. Purchasing more than one insurance policy is another way for you to save on coverage. If you need homeowners coverage, renters insurance, or another type of coverage Chubb offers, you may be able to save.
  • Good student. Depending on your age and where you live, you may be able to save money if you’re a good student. You have to keep a specific GPA and prove that you are in the top of your class. If you do, you can save around 15% on your coverage.
  • Anti-theft. Having certain anti-theft devices on your vehicle can help you save money if you have a full coverage policy that includes comprehensive. An alarm or other mechanism could help you save on your car insurance.
  • Anti-lock brakes. If you have anti-lock brakes on your vehicle, you could also save a little bit of money. Most companies allow you to save around 5% on your car insurance for this discount. 
  • Safety features. Safety features help many drivers avoid accidents. If your covered vehicle has certain safety features, you could save as much as 20% on your car insurance policy.
  • Defensive driving. You may need to take a class to receive the defensive driving discount. Most policyholders with Chubb who benefit from the defensive driving discount also have a few blemishes on their driving records. 

Not all discounts are available in all areas, but a discount can help you save a significant amount on your car insurance. If you believe you’re eligible, ask about discounts after you receive your initial quote to see how much you could save. 

Keep in mind that other insurance companies offer discounts as well. So, if you’re searching for a company that will offer competitive rates, you should find and compare companies that offer the discounts you’re eligible for. This could help you save even more on your car insurance premium. 

Chubb Group of Insurance Companies Coverage Options

As with most car insurance providers, Chubb offers the mandatory coverages that each state requires. In addition, the company offers bodily injury, property damage, personal injury protection (PIP), medical payments (MedPay), and uninsured or underinsured motorist coverage. 

Chubb also includes collision and comprehensive coverages so that people can purchase what many companies call a full coverage policy. This policy offers peace of mind, as you will be covered in virtually every scene in which you are injured or your car is damaged.

In addition to these coverage options, Chubb offers a variety of add-on coverages. Unfortunately, the company does not focus on cheap or affordable car insurance options. Because of this, most of the company’s policies are pricey. Still, many Chubb customers are satisfied with the company’s attention to detail.

Additional Coverages Offered by Chubb Insurance

Some of the additional coverages Chubb offers include:

  • Rental reimbursement insurance. Most companies have an option for rental reimbursement coverage. Chubb goes above and beyond. The company reimburses up to $15,000 in rental car coverage if your car is in the shop.
  • Original equipment parts coverage. While many insurers will only replace what’s necessary and do so as cheaply as possible, Chubb offers to pay for the manufacturer’s parts. These parts cost more, which is why Chubb’s collision coverage costs more than the average policy.
  • Rental car coverage worldwide. Regardless of where you are, you can get worldwide coverage for rental cars. Chubb will cover a rental car with your insurance policy’s limits anywhere in the world.
  • Removal of personal information. If your car is totaled, Chubb goes out of the way to remove your personal information. The company deletes data like GPS locations, phone contacts, and more. 
  • Lifetime repair guarantee. Chubb certifies a lifetime of repairs as long as they are done in a Chubb-certified auto shop.
  • Lock and key replacement. You can get lockout services or a replacement key with your coverage without paying a deductible. 
  • Identity management coverage. If you suspect you’re a victim of identity theft or fraud, Chubb will help you. The company will connect you with a fraud specialist so you can learn exactly what needs to happen. The coverage helps you file police reports, develop a case file, and more. 

In addition to these coverage options, Chubb also offers add-ons that may only appeal to specific customers:

  • Ultra-high insurance limits. Chubb allows you to choose up to $10 million in liability coverage and uninsured or underinsured motorist insurance.
  • Agreed value coverage. Chubb will agree with you on what your car is worth and pay you that exact amount if your car is stolen or totaled. This coverage protects you from getting the market value price of your vehicle.

Chubb could be a great option if you have a nice, high-end vehicle and are concerned with protecting it. The company coverages offer extreme protection and peace of mind if you’re ever in an accident or your car is ever totaled.

Still, the coverage options with Chubb may be a bit much for most people. If you’re at all concerned with saving money, you should look into coverage with other companies to see how much you may be able to save. 

What other types of insurance does Chubb offer?

Along with auto insurance coverage, Chubb offers other types of insurance products. Depending on what you’re looking for, you may find that Chubb is a great fit for many of your insurance needs.

Some of Chubb’s other insurance options include:

  • Homeowners insurance. Cover your home and other structures on your property with Chubb’s homeowners insurance coverage.
  • Renters insurance. If you rent your home, ensure your belongings are protected with Chubb’s renters insurance coverage.
  • Condo insurance. If you own a condo, you may need specialty coverage. Chubb is ready to help with its condo insurance coverage.
  • Watercraft insurance. If you have a boat, jet ski, or other watercraft, you may want to consider Chubb’s one-of-a-kind watercraft insurance coverage.
  • Umbrella insurance. If you’re worried your coverage won’t cut it, you can purchase an umbrella insurance policy with Chubb for additional property damage lawsuits or for legal help if needed. 
  • Travel insurance. Anyone who travels may worry from time to time that their trip will be a bust and they’ll lose the money they invested. With Chubb’s travel insurance, your trips will be protected no matter what. 
  • Classic car insurance. Chubb covers classic and collector cars along with covering standard, everyday vehicles. If you own classic cars, you may want to see what Chubb offers in terms of its vintage car insurance coverage. 
  • Valuable articles insurance. Chubb will cover the valuable articles in your home or those tucked away in a secure location. 
  • Farm and ranch insurance. A lot can go wrong on a farm. If you own a farm, you may get peace of mind by pursuing Chubb’s farm and ranch insurance coverage.
  • Cyber insurance. With its cyber insurance, Chubb protects policyholders from identity theft and other cyberattacks. If you are attacked or anything is stolen, Chubb will reimburse you.
  • Natural disaster insurance. Depending on where you live, you may encounter natural disasters fairly frequently. Chubb offers coverage and peace of mind for anyone who needs natural disaster coverage for their belongings. 

If any of the insurance products above appeal to you, it’s worth the time it would take to contact a Chubb representative and learn more. Depending on what you are looking for, you may find that bundling your policies helps you save a significant amount on your overall premiums. 

Some of the insurance options above may not be things you need. Still, it’s a good idea to consider certain coverages, like cyber insurance, for added protection against loss. Additionally, Chubb’s multi-policy discount options could make additional insurance coverage feel like an even better idea in terms of financial investment. 

 

Frequently Asked Questions

Who owns Chubb?

Evan Greenberg is currently the CEO of the company. ACE Limited acquired Chubb in 2016.

Where can I buy Chubb insurance?

Chubb offers insurance in all 50 states in the U.S. You should be able to check with a local Chubb representative to see what’s available in your area.

How do I cancel my Chubb auto insurance policy?

The easiest way to cancel your policy is via email. You can send a completed copy of your Notice of Cancellation to the company by email or fax the document.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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...

Full Bio →

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 Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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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