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

Quick Facts

• Looking at the national averages for car insurance, Alliance United offers significantly less expensive premiums than Chubb
• Alliance United offers more affordable prices for residents of urban areas
• Chubb has cheaper rates for drivers who have less-than-stellar credit

Alliance United 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 big discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Alliance United or Chubb as potential options, but which one will save you the most?

As you can see, Chubb is about $66 more per month than Alliance United when looking at the national average rates for insurance.

Even so, that doesn't necessarily mean Alliance United will be the more affordable option for each driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your driving record, your age, or even where you call home (among other things), so premiums will change quite a bit from person to person.

Wanting to know if Alliance United or Chubb is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Alliance United or Chubb: Average Car Insurance Rates by State

Alliance United and Chubb only compete against each other in California, where Alliance United offers the cheaper average rates. For California residents, Alliance United offers auto insurance for $225 monthly on average. Chubb's average premiums come out to be over 40% more expensive, at $332 a month.

But there's more to calculating insurance prices than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. As you can see above, teens who use Alliance United save more than $200 a month compared to those who use Chubb.

That being said, both carriers will drop rates once you turn 25. Chubb offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Alliance United still has the lowest prices at $229 per month.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Alliance United and Chubb? Chubb gets the slight edge here, with average prices coming in at around $187 a month compared to Alliance United's $194. But that difference is less than 5%, which means it ultimately will come down to other factors, such as your credit score or your driving record.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more expensive for single policyholders than they are for married policyholders? That's normally 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, Alliance United is the clear winner for single drivers, with premiums about $88 per month cheaper than Chubb, on average. For married couples, the advantage is clear again - Alliance United has the edge when it comes to average prices.

Alliance United vs. Chubb: Average Rates by Gender

Did you know men typically pay more for car insurance than women? This is because women are less likely to get into accidents and get tickets, which lowers the chances of an insurance claim.

With Alliance United, both genders end up paying the same monthly price, and around $11 more with Chubb.

Looking at overall affordability, Alliance United comes out as the lowest option for both genders. On average, women save about $60 a month and men save about $71 with Alliance United compared to the average Chubb policyholder.

Alliance United 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.

Auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum liability limits, Alliance United usually offers significantly more affordable premiums of $102 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Alliance United again has the edge, with policies around $65 per month less expensive than Chubb, on average.

Is Alliance United or Chubb Better for Drivers with Spotty Records?

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

Tickets and accidents will most likely raise your rates, but is Alliance United or Chubb cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Alliance United policyholders can expect their prices to go up an average of $46 a month if they get a ticket, while Chubb generally raises rates about $38 per month, on average.

However, Alliance United tends to offer the best prices for drivers both with clean records and with a speeding ticket -- their rates are around 38% more affordable for drivers with clean records and 29% 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 Alliance United can expect to see around an $150 -- or about 52% -- 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 car insurance carrier.

Overall, the cheaper prices come from Alliance United, with monthly premiums averaging $289 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than an accident or ticket. On average, Chubb will climb your rates about 43% after a DUI, while Alliance United's average premiums rise by over 50%.

If you have a DUI on your record and are looking for more affordable prices, Alliance United tends to be the much more affordable option with average rates of $289 monthly compared to $389 from Chubb.

How does Credit Score Impact Alliance United and Chubb Rates?

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect many drivers out there.

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 less expensive premiums.

Looking specifically at Chubb and Alliance United, which carrier has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have excellent credit, Chubb will normally reward you. With Chubb, improving your score from "good" to "excellent" will usually save you around 15%. Alliance United, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Chubb. For drivers with less-than-stellar credit, at Chubb, you may pay about $350 a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. Alliance United, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit may find better rates with Alliance United over Chubb.

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

Did you know that the amount of time you spend in your car have a large impact on your monthly car insurance cost? Generally, those who drive less will end up with more affordable 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 every year, as well as those who average twice that figure, Alliance United offers less expensive rates than Chubb. Alliance United average premiums for drivers with 6,000 annual miles come in over $70 cheaper than Chubb. Those who drive 12,000 miles yearly can expect to pay just under $60 less with Alliance United over Chubb.

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

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a considerable impact as well. Normally, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

When comparing these two carriers side-by-side, Alliance United typically comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both companies, but Alliance United comes out on top with average prices around $206 per month. Alliance United also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a $130 and $21 per month respective difference when compared to Chubb drivers in similar areas.

Alliance United vs. Chubb Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the table below, we've taken a look at all of the different discounts Alliance United and Chubb offer their customers 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 Alliance United away when it comes to the sheer amount of discounts available, offering 12 more discounts than Alliance United.

A couple of those are overlapping for things like discounts for being a defensive driver and renewal discounts. Chubb also offers ABS discounts, anti-theft discounts, distant student discounts, and more that Alliance United does not.

On the flip side, Alliance United has a unique discount of its own -- a good driving discounts.

Final Thoughts: Is Alliance United or Chubb Best for You?

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which insurance carrier is the best company for you, your vehicle, and your wallet?

Alliance United might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You want basic auto insurance coverage at the state minimum limits.
• You live in a rural area.

Chubb might be best for you if...

• Your credit score is high.
• You want to save extra money with discounts.
• You are over 65 years old and want to save some money on your insurance.

We hope this guide helps you get a better idea of the difference between Alliance United 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 insurance policy is to compare quotes from multiple companies, not just Alliance United and Chubb. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Alliance United vs. Chubb FAQs

Is Alliance United or Chubb cheaper?

Looking just at the national average prices, Alliance United is the cheaper of the two companies, offering average rates of $225 a month compared to $291 for Chubb. But Alliance United won't necessarily be the most affordable company for each policyholder, since there are a bunch of different factors that come into play when it comes to your insurance payment.

Who is better, Alliance United or Chubb?

Unfortunately, the real answer is "it depends.". No single carrier is necessarily "better" for every driver -- it all comes down to what your unique car insurance profile looks like. For example, Alliance United offers more affordable rates for drivers with a recent DUI, while Chubb is less expensive for drivers with excellent credit.

Why do Alliance United and Chubb offer me different rates?

Auto insurance carriers take a look at several different variables when calculating the premiums they charge policyholders. Factors such as your driving record, where you live, gender, age, and sometimes even things like your credit score can all come into play. Both Alliance United and Chubb use different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of 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 area information and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best company for you might not be Alliance United 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.