AAA vs. Chubb: Which Company is the Best Fit for You?

Looking for car insurance and wondering if AAA or Chubb is the right company for you? If so, you're probably wondering which carrier has the most affordable rates or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next car insurance policy.
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Quick Facts

  • Looking at the national averages for insurance, Chubb offers slightly cheaper premiums than AAA
  • AAA has more affordable prices for policyholders who haven't received any speeding tickets or been in an accident in the last few years
  • Chubb offers more affordable premiums for policyholders who drive fewer than 12,000 miles each year

AAA vs. Chubb: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to AAA or Chubb for your next policy, but which company will save you the most?

AAA Chubb

As you can see, Chubb is about $23 per month less expensive than AAA when looking at the national average rates for car insurance.

Even so, Chubb may not be the lowest or best option for every driver out there. Insurance companies use a variety of complex algorithms to calculate rates, so depending on where you live or how clean your driving record is (among multiple other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average rates from both AAA and Chubb by a variety of different rate factors, so read on to find out which company is the best for you.

AAA or Chubb: Average Car Insurance Rates by State

State AAA Chubb

AAA and Chubb only compete against each other in three states, with AAA offering more affordable prices to the average driver in all of them. Wisconsin has the most noticable difference, where AAA premiums are over 70% less expensive than auto insurance rates at Chubb.

But there's more to calculating car insurance premiums than just the state you live in. Read on to learn more.

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Which is the Best Company For Young Drivers?

AAA Chubb
18-year-old drivers$689$633
25-year-old drivers$276$288

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers. It's generally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Chubb for their insurance pay more than $55 less than those who use AAA.

However, both carriers will offer you dramatically lower premiums once you turn 25. For example, average prices for AAA policyholders reduce over $400 and Chubb's premiums drop nearly $350 over that time.

Which is the Best Company for Retired Drivers?

AAA Chubb
65+-year-old drivers$238$187

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever see.

But who has the best rates for retired drivers between AAA and Chubb? Chubb gets the edge here, with average prices coming in at around $187 a month compared to AAA's $238.

Which is the Best Company for Married Drivers?

AAA Chubb

Did you know that auto insurance premiums are normally more expensive for single drivers than they are for married policyholders? That's because policies for married couples usually cover multiple cars, which several companies will offer you a discount for.

If you're in the market for insurance, Chubb tends to have the lowest average rates regardless of relationship status, with prices about $30 cheaper for those who are single and more than $10 less expensive for married drivers.

AAA vs. Chubb: Average Rates by Gender

AAA Chubb

You may not know, but men typically pay more for auto insurance than women do. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

Generally, men see premiums over 10% a month higher with AAA, while with Chubb, the difference is closer to 4% per month.

When it comes to the cheapest rates for each gender, Chubb comes out on top for both men and women, with average prices $35 less for men and $12 cheaper for women.

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AAA or Chubb: Compare State Minimum vs. Full Coverage Rates

AAA Chubb
State Minimum*$169$169
Full Coverage**$459$412

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

In this case, AAA offers the most affordable average premiums for state minimum liability limits, while Chubb has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $0 with AAA Insurance, while full coverage comes out to be around $45 more affordable with Chubb.

Is AAA or Chubb Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and accidents on your record, but which of these two carriers offers the cheapest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Chubb
Clean Record$213$223
1 Speeding Ticket$299$261

AAA policyholders can expect their premiums to go up an average of $86 a month if they get a ticket, while Chubb usually raises rates about $38 per month, on average.

If you have a clean record, AAA tends to offer the best prices at around 4% cheaper, while Chubb has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

AAA Chubb
Clean Record$213$223
1 At-Fault Accident$339$290

After an accident, drivers who have their auto insurance through AAA can expect to see about an $126 -- or around 37% -- increase in their car insurance rates. Drivers who use Chubb for their insurance will see a monthly bill about $67 (or 23%) more expensive after reporting an accident to their auto insurance carrier.

Overall, the less expensive premiums come from Chubb, with monthly prices averaging $290 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Chubb
Clean Record$213$223
1 DUI$403$389

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. AAA drivers usually see a 47% climb in their insurance premiums after a DUI charge, while Chubb will normally raise rates by around 43%.

If you have a DUI on your record and are looking for more affordable prices, Chubb tends to be the much more affordable option with average rates of $389 monthly compared to $403 from AAA.

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How does Credit Score Impact AAA and Chubb Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly auto insurance prices. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for quite a few policyholders.

The reasoning car insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will typically be forced to pay more.

Looking at AAA and Chubb specifically, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

AAA Chubb
Excellent Credit Score$185$164
Good Credit Score$247$197

If you have a great credit score, you'll usually find a better deal with Chubb. Drivers with "excellent" credit can save over 10% compared to AAA, and those with "good" scores can also expect to see savings -- about $50 or 20% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

AAA Chubb
Fair Credit Score$304$229
Poor Credit Score$539$566

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay around $75 less with Chubb than AAA, but those whose credit is considered "poor" have it flipped -- saving about $27 a month with AAA.

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Is AAA or Chubb Better for Drivers who Work from Home or Have Short Commutes?

AAA Chubb
6,000 Annual Miles$307$286
12,000 Annual Miles$320$296

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance companies will charge for coverage. Generally, the more miles you drive, the more you can expect to pay for coverage.

Chubb tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Chubb's average prices for drivers with 6,000 annual miles come in 7% more affordable than AAA. Those who drive 12,000 miles yearly can expect to pay just under 10% less with Chubb over AAA.

AAA vs. Chubb: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a pretty big impact on your monthly car insurance bill. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer vehicles on the road in those areas, which decreases the chances of an accident.

AAA Chubb
Urban Areas$384$360
Suburban Areas$301$260
Rural Areas$256$252

When comparing these two carriers side-by-side, Chubb generally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest prices from both companies, but Chubb comes out on top with average premiums around $252 per month. Chubb also has cheaper average prices for drivers in urban and suburban ZIP codes -- a 6% and 14% per month respective difference when compared to AAA policyholders in similar areas.

AAA vs. Chubb Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

In the table below, we've taken a look at all of the different discounts AAA and Chubb offer their customers so that you can see which carrier can save you the most money each month.

AAA Chubb
AAA Discount 
ABS Discount 
Academic Discount 
Advance Quote Discount 
Anti-Theft Discount
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount
Driver-Vehicle Combination Discount 
DriveSharp Discount 
DRL Discount 
EFT Discount 
Employee Discount 
Garage Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Hybrid Vehicle Discount 

AAA knocks Chubb out of the park when it comes to the sheer number of discounts available, offering 33 different discounts to Chubb's 15.

Both carriers offer many of the same discounts -- like anti-theft discounts, distant student discounts, discounts for being a good student, and passive restraint discounts -- but AAA also offers AAA discounts, academic discounts, advance quote discounts, and more that Chubb does not.

On the flip side, Chubb has a couple unique discounts of its own -- ABS discounts, driver-vehicle combination discounts, DRL discounts, and more.

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Final Thoughts: Is AAA or Chubb Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. But, at the end of the day, which carrier is the best company for you, your vehicle, and your wallet?

Chubb might be best for you if....

  • You're single and purchasing insurance by yourself.
  • You're looking for more protection with "full coverage" auto insurance.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.

AAA might be best for you if...

  • You have a clean record.
  • You're looking for discounts -- Aaa has the most.
  • You want basic insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between AAA and Chubb. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from multiple carriers, not just AAA and Chubb. Luckily, does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

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AAA vs. Chubb FAQs

Is AAA or Chubb cheaper?

Looking just at the national average rates, Chubb is the more affordable of the two carriers, offering average rates of $291 a month compared to $314 for AAA. But Chubb won't necessarily be the cheapest company for each driver, since there are a bunch of different factors that come into play when it comes to your car insurance payment.

Who is better, AAA or Chubb?

Unfortunately, the answer truly is "it depends.". Neither carrier is "better" for every driver -- it all depends on what your unique auto insurance profile looks like. For example, Chubb offers cheaper prices for drivers with an at-fault collision on their record, while AAA is less expensive for drivers who have less-than-stellar credit scores.

Why do AAA and Chubb offer me different rates?

Insurance companies take a look at lots of different variables when calculating the premiums they charge policyholders. Things like where you call home, age, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Chubb use different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different carriers.

How do I know if AAA or Chubb is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be AAA or Chubb at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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