Auto-owners vs. Chubb: Which Company is the Best Fit for You?

You've probably seen ads offering big savings on insurance, but are Auto-owners or Chubb right for you? Which company offers the lowest prices, or the most discounts? Read on to see how Auto-owners and Chubb compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Auto-owners offers significantly more affordable premiums than Chubb
  • Auto-owners offers more affordable rates for policyholders who have a clean record
  • Chubb offers more affordable premiums for residents in California, New York, Pennsylvania, Tennessee, Texas, Washington, and Wisconsin


Auto-owners vs. Chubb: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Auto-owners or Chubb as potential options, but which carrier will offer you less expensive prices?

Auto-owners Chubb
$179$291

Looking at nationwide averages, Chubb is quite a bit more expensive than Auto-owners, with rates averaging $291 per month compared to just $179 with Auto-owners.

Even so, Auto-owners may not be the cheapest or best option for each driver out there. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things), so premiums could change drastically from person to person.

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

Auto-owners or Chubb: Average Car Insurance Rates by State

State Auto-owners Chubb
PA$212$346
TN$191$248
WI$158$480

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

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance carriers calculate your prices. Continue reading to learn more about how other factors will affect your rates.


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Which is the Best Company For Young Drivers?

Auto-owners Chubb
18-year-old drivers$393$633
25-year-old drivers$164$288

You might already know that teen drivers generally pay a lot more for insurance than any group out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of nearly $250 less a month by choosing Auto-owners over Chubb.

However, with both companies, you'll see your premiums decrease significantly by the time you turn 25. For example, average rates for Auto-owners policyholders reduce almost 60% and Chubb's prices drop nearly 55% over that time.

Which is the Best Company for Retired Drivers?

Auto-owners Chubb
65+-year-old drivers$133$187

Drivers around retirement age usually enjoy some of the most affordable auto insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which normally decreases their chances of accidents and other infractions that can increase prices.

When looking at Auto-owners and Chubb specifically, which carrier is best for retired drivers? Auto-owners gets the edge, with rates for drivers 65 and older $54 more affordable than the national average for Chubb.

Which is the Best Company for Married Drivers?

Auto-owners Chubb
Single$211$338
Married$137$227

You may not be aware, but insurance premiums tend to be cheaper for married couples than they are for those who are single. That's typically because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Auto-owners is the clear winner for single policyholders, with prices about $127 per month more affordable than Chubb, on average. The advantage for married drivers with Auto-owners is also obvious, where drivers save almost 40% a month.

Auto-owners vs. Chubb: Average Rates by Gender

Auto-owners Chubb
Male$185$296
Female$174$285

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

On average, men see rates around 6% per month higher with Auto-owners, and about 4% more with Chubb.

Looking at the data for each company specifically, Auto-owners offers the lowest average premiums for both men and women. On average, male drivers save about $111 a month and women save around $111 with Auto-owners compared to the average Chubb policyholder.


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Auto-owners or Chubb: Compare State Minimum vs. Full Coverage Rates

Auto-owners Chubb
State Minimum*$99$169
Full Coverage**$260$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.

For most people, insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Auto-owners typically offers significantly less expensive rates of $99 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Auto-owners again has the edge, with policies about $150 per month cheaper than Chubb, on average.

Is Auto-owners or Chubb Better for Drivers with Spotty Records?

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

It's no secret secret that collisions and tickets lead to higher premiums, but which carrier -- Auto-owners or Chubb -- has the cheapest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Auto-owners Chubb
Clean Record$121$223
1 Speeding Ticket$165$261

Auto-owners policyholders can expect their rates to go up an average of $44 a month if they get a ticket, while Chubb generally raises prices around $38 per month, on average.

But Auto-owners tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are 46% and 37% more affordable, respectively, compared to Chubb.

Which Company is Best for Drivers After an Accident?

Auto-owners Chubb
Clean Record$121$223
1 At-Fault Accident$168$290

Auto-owners drivers who get in an accident can expect to see their rates rise by over $45, while those who have insurance through Chubb will see about a $65 increase.

Overall, drivers who use Auto-owners end up with the cheaper prices after an accident, with monthly premiums averaging $168 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

Auto-owners Chubb
Clean Record$121$223
1 DUI$264$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. For example, Chubb increases average prices by over $150 a month -- that's just under a 45% increase.

If you have a DUI on your record and are looking for more affordable rates, Auto-owners tends to be the much cheaper option with average premiums of $264 a month compared to $389 from Chubb.


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How does Credit Score Impact Auto-owners and Chubb Rates?

Did you know that many auto insurance companies take your credit score into account when calculating prices? This isn't always the case (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it will come into play for many policyholders.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

So, which company offers the best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Auto-owners Chubb
Excellent Credit Score$95$164
Good Credit Score$129$197

If you have a solid credit score, you'll usually find a better deal with Auto-owners. Drivers with "excellent" credit can save over 40% compared to Chubb, and those with "good" scores can also expect to see savings -- around $68 or 35% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Auto-owners Chubb
Fair Credit Score$176$229
Poor Credit Score$317$566

Auto-owners typically offers lower premiums than Chubb when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $53 per month less with Auto-owners compared to Chubb, and those with "poor" scores usually save an average of around $249 per month.


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Is Auto-owners or Chubb Better for Drivers who Work from Home or Have Short Commutes?

Auto-owners Chubb
6,000 Annual Miles$179$286
12,000 Annual Miles$180$296

Did you know that the amount of time you spend in your car have a big impact on how much car insurance companies will charge for coverage? That's because the more miles you put on your vehicle each year, the more likely you are to get into a collision and cause 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, Auto-owners tends to be the cheaper option. Auto-owners's average rates for drivers with 6,000 annual miles come in about $107 less expensive than Chubb. Those who drive 12,000 miles annually can expect to pay around $116 less with Auto-owners over Chubb.

Auto-owners vs. Chubb: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a considerable role in how much you pay for auto insurance. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more cars on the road in those areas, which increases the chances of an accident.

Auto-owners Chubb
Urban Areas$205$360
Suburban Areas$169$260
Rural Areas$164$252

Auto-owners boasts the lowest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest rates from both carriers, but Auto-owners comes out on top with average premiums about $164 monthly. Auto-owners also has more affordable average rates for drivers in urban and suburban ZIP codes -- a 43% and 35% a month respective difference when compared to Chubb policyholders in similar areas.

Auto-owners vs. Chubb Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

In the table below, we've broken down all of the different discounts offered by both Auto-owners and Chubb so that you can see which one can save you the most money each month.

Auto-owners Chubb
ABS Discount
Advance Quote Discount 
Anti-Theft Discount
Company Car Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount
Driver-Vehicle Combination Discount 
DRL Discount 
Education Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Inside Storage Discount 
Life Policy Discount 
Low Mileage Discount 
Mature Driver Discount 
Minor Child Discount 

Auto-owners knocks Chubb out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Chubb.

A couple of those are overlapping for things like discounts for being a defensive driver, distant student discounts, and multi-policy discounts. Auto-owners also offers advance quote discounts, company car discounts, COVID-19 relief discount, and more that Chubb does not.

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


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Final Thoughts: Is Auto-owners or Chubb Best for You?

So, we've broken down the average prices for many of the variables insurance companies look at, and we've shown you all the discounts each company offers. But, at the end of the day, is Auto-owners or Chubb the right company for you and your specific needs?

Auto-owners might be best for you if....

  • You have a speeding ticket on your driving record.
  • You're looking for the carrier with the most discounts.
  • You live in a rural neighborhood.


Chubb might be best for you if...

  • You like the personalized touch of a small, local company.

We hope this guide helps you get a good idea of the differences between Auto-owners 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 sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Auto-owners and Chubb. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.


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Auto-owners vs. Chubb FAQs

Is Auto-owners or Chubb cheaper?

Looking just at the national average premiums, Auto-owners is the cheaper of the two carriers, offering average rates of $179 per month compared to $291 for Chubb. However, Auto-owners won't necessarily be the most affordable carrier for every driver, since there are many different factors that come into play when it comes to your auto insurance payment.

Who is better, Auto-owners or Chubb?

Sadly, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Auto-owners and Chubb offer me different rates?

Insurance companies take a look at quite a few different variables when determining the rates they charge drivers. Factors like where you park your vehicle, gender, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Auto-owners and Chubb calculate prices using different variables, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Auto-owners or Chubb is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Auto-owners 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.

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