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

Quick Facts

• In general, Chubb offers slightly more affordable premiums than Acuity
• Acuity offers cheaper average rates for drivers with a DUI charge on their record
• Chubb has more affordable premiums for drivers who have an at-fault accident on their record

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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You might be considering Acuity or Chubb, but between the two, which carrier will save you the most?

As you can see, Chubb is about $22 per month less expensive than Acuity when looking at the national average rates for auto insurance.

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

Luckily, we've broken down average premiums from both Acuity and Chubb by multiple different rate factors, so read on to find out which company is the best for you.

Acuity or Chubb: Average Car Insurance Rates by State

Acuity and Chubb only compete against each other in one states, with Acuity offering cheaper rates to the average driver in all of them. Wisconsin has the most noticable difference, where Acuity prices are over 70% more affordable than car insurance rates at Chubb.

There's a lot more that goes into your insurance bill than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group on the road. That's usually 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 prices, teen drivers can still find ways to save money. As you can see above, teens who use Chubb save nearly $350 a month compared to those who use Acuity.

That being said, both carriers will decrease rates once you turn 25. For example, average prices for Acuity policyholders lower more than 75% and Chubb's premiums reduce almost 55% over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Acuity gets the slight edge here, with average rates coming in at around $183 per month compared to Chubb's $187. However, the difference is only about 5%, so other factors will likely come into play when determining which company has the lowest premiums for you.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper auto insurance rates than single drivers. That's typically because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Chubb is the clear winner for single policyholders, with prices around $65 per month less expensive than Acuity, on average. The advantage for married policyholders with Acuity is also obvious, where drivers save nearly 15% a month.

Acuity vs. Chubb: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get tickets. That means when it comes to car insurance men will generally end up paying a little more.

Normally, women see rates about 6% per month less with Acuity, and around 4% less with Chubb.

Looking at the data for each carrier specifically, Chubb comes out on top for both men and women. On average, male drivers save about $27 a month and women save about $19 with Chubb compared to the average Acuity policyholder.

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

*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.

It's no secret that auto insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Chubb normally offers slightly cheaper premiums of $169 compared to Acuity's $172. When it comes to full coverage policies with similar limits, Chubb again has the edge, with policies around $40 per month more affordable than Acuity, on average.

Is Acuity or Chubb Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Acuity policyholders can expect their premiums to go up an average of $94 a month if they get a ticket, while Chubb generally raises prices about $38 per month, on average.

However, Chubb is usually the less expensive option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 3% cheaper for drivers with clean records and 19% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Acuity can expect to see around an $115 -- or about 33% -- increase in their car insurance premiums. Drivers who use Chubb for their auto insurance will see a monthly bill around $67 (or 23%) more expensive after reporting a collision to their insurance company.

Overall, the more affordable prices come from Chubb, with monthly rates averaging $290 compared to Acuity Insurance's $344.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Chubb drivers usually see a 43% climb in their car insurance prices after a DUI charge, while Acuity will normally raise premiums by about 36%.

If you have a DUI on your record and are looking for more affordable rates, Acuity tends to be the much less expensive option with average premiums of $357 a month compared to $389 from Chubb.

How does Credit Score Impact Acuity and Chubb Rates?

Did you know that many auto insurance companies take into account your credit score when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for a lot of drivers.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable rates.

Looking at Acuity and Chubb specifically, which one has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. Typically, those who drive less will end up with cheaper prices since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Chubb offers more affordable rates than Acuity. Chubb's average premiums for drivers with 6,000 annual miles come in around $11 cheaper than Acuity. Those who drive 12,000 miles annually can expect to pay about $34 less with Chubb over Acuity.

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

Where you live can play a substantial role in how much you pay for auto insurance. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Chubb tends to offer the most affordable rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest prices from both carriers, but Chubb comes out on top with average premiums around $252 monthly. Chubb also has less expensive average prices for drivers in urban and suburban ZIP codes -- a $14 and $53 a month respective difference when compared to Acuity policyholders in similar areas.

Acuity vs. Chubb Discounts

Regardless of why you might be in the market for a new car 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 insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

Below, we've broken down all of the different discounts offered by both Acuity and Chubb so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Chubb blows Acuity away when it comes to the sheer amount of discounts available, offering six more discounts than Acuity.

There are a couple discounts both companies offer, but Chubb also offers ABS discounts, anti-theft discounts, driver training discounts, and more that Acuity does not.

On the flip side, Acuity has a couple unique discounts of its own -- discounts for graduating college, continuous insurance discounts, COVID-19 relief discount, and more.

Final Thoughts: Is Acuity or Chubb Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance carrier is the right company for you, your vehicle, and your wallet?

Chubb might be best for you if....

• You have received a ticket within the last few years.
• You're looking for more protection with "full coverage" car insurance.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Acuity might be best for you if...

• You have a DUI charge on your record.
• You are over 65 years old and want to save some money on your insurance.
• You are purchasing your car insurance with a spouse.

We hope this guide helps you get a better idea of the difference between Acuity and Chubb. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Acuity and Chubb. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Acuity vs. Chubb FAQs

Is Acuity or Chubb cheaper?

Looking just at the national average premiums, Chubb is the cheaper of the two companies, offering average rates of $291 per month compared to $313 for Acuity. That being said, Chubb won't necessarily be the cheapest company for every driver, since there are many different factors that are considered when it comes to your car insurance payment.

Who is better, Acuity or Chubb?

Unfortunately, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Chubb offers more affordable rates for single drivers, while Acuity is less expensive for drivers who have already retired.

Why do Acuity and Chubb offer me different rates?

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

How do I know if Acuity 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 multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be Acuity or Chubb at all!

Methodology

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.