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

Quick Facts

• Based on national averages for auto insurance, Atlantic States offers significantly less expensive rates than Chubb
• Atlantic States tends to be a much cheaper option for policyholders who drive a short distance to work everyday
• Atlantic States offers more affordable premiums for policyholders who drive fewer than 6,000 miles yearly

Atlantic States or Chubb: Which Company has the Cheapest Car Insurance?

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

You might be considering Atlantic States or Chubb as your top options, but between the two, which carrier has more affordable prices for insurance?

Looking at the national average rates for both carriers, Atlantic States is quite a bit cheaper than Chubb, with premiums averaging $160 a month compared to $291 with Chubb.

However, that doesn't necessarily mean Atlantic States will be the less expensive option for every single driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things). So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

Wanting to know if Atlantic States 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.

Atlantic States vs. Chubb: Average Car Insurance Rates by State

Atlantic States and Chubb only compete against each other in one states, with Atlantic States offering cheaper premiums to the average driver in all of them. Pennsylvania has the most noticable difference, where Atlantic States rates are $163 more affordable than auto insurance prices at Chubb.

That being said, there's a lot more that goes into your insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. Generally, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have Atlantic States for their auto insurance pay almost 55% less than those who use Chubb.

But both carriers will decrease rates by the time drivers turn 25. Chubb offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Atlantic States still has the lowest prices at $159 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest car insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

But who has the best prices for retired drivers between Atlantic States and Chubb? Atlantic States gets the edge, with rates for drivers 65 and older over 35% less expensive than the national average for Chubb.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically more expensive for those who are single than they are for married policyholders? That's normally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with Atlantic States rates coming in at around half of Chubb's. The advantage for married couples with Atlantic States is also obvious, where drivers save about $100 per month.

Atlantic States or Chubb: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to insurance men will generally end up paying a little more.

On average, women see premiums around $15 a month more affordable with Atlantic States, and about $11 less with Chubb.

Looking at overall affordability, Atlantic States comes out as the most affordable option for both genders. On average, women save about $132 per month and men save around $129 with Atlantic States compared to the average Chubb policyholder.

Atlantic States vs. 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 pretty complicated. There are several different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum limits for liability insurance, Atlantic States has the significant edge, with average monthly prices coming in at $85. If you want a full coverage policy with the same state minimum limits, Atlantic States again has the edge, with policies averaging about $235 a month to Chubb's $412.

Is Atlantic States or Chubb Better for Drivers with Spotty Records?

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

Speeding tickets and collisions will most likely raise your rates, but is Atlantic States or Chubb cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Atlantic States for their car insurance can usually expect their monthly bill to go up around 5% after getting a speeding ticket. Chubb policyholders can expect a bit more drastic of an increase of about 15%.

Even so, Atlantic States has more affordable premiums for drivers in both categories, offering rates that are 48% and 53% cheaper, respectively, compared to Chubb.

Which Company is Best for Drivers After an Accident?

Atlantic States drivers who get in an accident can expect to see their prices climb by over $35, while those who have insurance through Chubb will see around a $65 increase.

At the end of the day, Atlantic States offers the cheapest rates for drivers with an at-fault collision on their records, with average prices coming in at $153 compared to Chubb's $290.

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 a collision. On average, Chubb will climb your premiums about 43% after a DUI, while Atlantic States's average prices increase by nearly 55%.

But if you end up with a DUI charge and are looking for more affordable rates, Atlantic States tends to be less expensive for the average driver, with monthly premiums coming in at around $250 to Chubb's $389.

How does Credit Score Impact Atlantic States and Chubb Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it will come into play for lots of policyholders.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Atlantic States 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 how much insurance companies will charge for coverage? Typically, the more milage you put on your car, the more you can expect to pay for coverage.

For both remote workers and those taking short commutes, Atlantic States offers cheaper prices than Chubb. Chubb's average rates for drivers with 6,000 annual miles come in more than 45% more expensive than Atlantic States. Those who drive 12,000 miles each year can expect to pay just under 45% more with Chubb over Atlantic States.

Atlantic States or 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 car insurance, but the type of area you live in can have a considerable impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Atlantic States tends to offer the most affordable premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about $119 with Atlantic States compared to Chubb. People who live in suburban areas pay around $117 less with Atlantic States compared to Chubb. For policyholders in urban ZIP codes, Atlantic States Insurance Company's average rates are about $155 less than Chubb.

Atlantic States vs. Chubb Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Atlantic States 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.

Overall, Atlantic States has the advantage when it comes to total number of discounts. Chubb offers a grand total of 15 discounts, while Atlantic States has 19.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for getting driver training, and passive restraint discounts. Atlantic States also offers discounts for advance quote, family discount, good driving, and more.

On the other hand, Chubb has a few proprietary discounts of their own for things like distant student discounts, driver-vehicle combination discounts, DRL discounts, and more.

Final Thoughts: Is Atlantic States or Chubb Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts carriers offer. But, when it comes down to it, which insurance carrier is the best fit for you?

Atlantic States might be best for you if....

• Your driving record includes a DUI charge.
• Your home is located in the suburbs.
• You want to save money while purchasing insurance for a teenager.

Chubb might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide has ben a valuable resource as you compare Atlantic States and Chubb and that it aids in making a more informed decision about your auto 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 car insurance -- comparing quotes from a handful of companies, not just Atlantic States and Chubb. Luckily, Compare.com makes it easy for you to do just that. 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.

Atlantic States vs. Chubb FAQs

Is Atlantic States or Chubb cheaper?

Atlantic States is the less expensive of the two companies when looking at national average prices, with policies averaging $160 per month with Atlantic States and $291 for Chubb. But that doesn't mean Atlantic States will be the cheapest company for everyone, since there are a range of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Atlantic States or Chubb?

Sadly, the only answer we can give you is "it depends.". No single carrier is "better" for every policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Atlantic States and Chubb offer me different rates?

Car insurance carriers use a lot of different variables when determining the premiums they charge. Things like where you live, where you park your vehicle, age, gender, and sometimes even things like your credit score can all be used. Both Atlantic States and Chubb calculate rates differently, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from several 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 quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Atlantic States or Chubb at all, but another you hadn't even thought of!

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.