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

Quick Facts

• In general, Chubb offers significantly more affordable prices than Bristol West
• Bristol West may help you save more money -- they offer more discounts than Chubb
• Chubb tends to be a much cheaper option for single people who will be the only person on the insurance policy

Bristol West or Chubb: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering sizable savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Bristol West or Chubb as your top options, but between the two, which company will offer you less expensive rates?

As you can see, Chubb has average rates that are around 30% a month cheaper than those from Bristol West when looking at the national average rates for car insurance.

That being said, that doesn't mean Chubb will necessarily be more affordable than Bristol West for each driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, your credit score, your driving record, or even where you call home (among other things), so premiums could differ drastically from person to person.

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

Bristol West vs. Chubb: Average Car Insurance Rates by State

Bristol West and Chubb only compete against each other in one states, with Bristol West offering less expensive prices to the average driver in all of them. California has the most noticable difference, where Bristol West rates are $143 cheaper than insurance premiums at Chubb.

But there's more to calculating car insurance prices than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers. Normally, that's because teen 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 premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 20% less per month by choosing Chubb over Bristol West.

However, both companies will offer you dramatically lower prices by the time drivers turn 25. For example, average rates for Bristol West policyholders drop almost 55% and Chubb's prices lower nearly 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable insurance premiums out there. After all, they've likely been driving for quite some time, which typically reduces their chances of collisions and other infractions that can raise prices.

When looking at Bristol West and Chubb specifically, which company is best for retired drivers? Chubb gets the edge here, with average premiums coming in at about $187 per month compared to Bristol West's $364.

Which is the Best Company for Married Drivers?

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

For single policyholders, the difference in average premiums between these two carriers is significant, with Chubb prices coming in at a quarter less than Bristol West's. The advantage for married couples with Chubb is also obvious, where drivers save around $100 a month.

Bristol West or Chubb: Average Rates by Gender

You may not know, but insurance is typically more expensive for men than for women. This is because men are statistically more likely than women to get into collisions and get tickets, which leads to increased risk for insurers and, therefore, higher rates.

Surprisingly, with Bristol West, women generallypay about $1 per month more than men, and more than $10 with Chubb.

Looking at overall affordability, Chubb offers the cheapest average prices for both men and women. On average, male drivers save about $115 a month and women save around $127 with Chubb compared to the average Bristol West policyholder.

Bristol West 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 a complicated subject for most people. 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 a collision.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum liability limits, Chubb has the significant edge, with average monthly premiums coming in at $169. If you want a full coverage policy with the same state minimum limits, Chubb again has the edge, with policies averaging about $412 per month to Bristol West's $544.

Is Bristol West or Chubb Better for Drivers with Spotty Records?

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

At-fault accidents and speeding tickets will most likely raise your premiums, but is Bristol West or Chubb more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Bristol West for their auto insurance can typically expect their monthly bill to go up around 23% after getting a speeding ticket. Chubb policyholders can expect a less drastic increase of about 15%.

But Chubb tends to offer the best prices for drivers both with clean records and with a ticket, offering prices that are 34% and 41% less expensive, respectively, compared to Bristol West.

Which Company is Best for Drivers After an Accident?

Bristol West drivers who get in a collision can expect to see their rates rise by just under $150, while those who have insurance through Chubb will see around a $65 increase.

At the end of the day, the cheaper prices come from Chubb, with average premiums coming in at $290 compared to Bristol West's $479.

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 car insurance bill -- normally a lot more than an accident or speeding ticket. On average, Chubb will raise your rates about 43% after a DUI, while Bristol West's average premiums climb by nearly 15%.

But if you end up with a DUI charge and are looking for more affordable prices, Chubb tends to be less expensive for the average driver, with monthly premiums coming in at around $389 to Bristol West's $390.

How does Credit Score Impact Bristol West and Chubb Rates?

Did you know many auto insurance carriers take your credit score into account when determining rates? This isn't true for everyone (for example, are two states that ban the practice entirely), but it might come into play for lots of policyholders.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Bristol West and Chubb specifically, which one has the most affordable premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Chubb will generally reward you the most. For policyholders with "excellent" credit scores, Chubb comes in more than 52.05 more affordable. Drivers with "good" credit scores usually save about 48% with Chubb compared to average prices from Bristol West.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around 45% less with Chubb than Bristol West, but those whose credit is considered "poor" have it flipped -- saving about 2% a month with Bristol West.

Is Bristol West 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 how much car insurance carriers will charge for coverage. Typically, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Chubb tends to be the more affordable option. Chubb's average rates for drivers with 6,000 annual miles come in around $124 cheaper than Bristol West. Those who drive 12,000 miles every year can expect to pay about $117 less with Chubb over Bristol West.

Bristol West 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 insurance, but the type of area you live in can have a considerable impact as well. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Chubb boasts the cheapest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Chubb's average premiums are around $360 per month compared to Bristol West's $539. Drivers in suburban ZIP codes pay a monthly price of about $260 with Chubb compared to $386 with Bristol West. Those in rural areas can expect to pay around $252 monthly with Chubb compared to Bristol West's $309.

Bristol West vs. Chubb Discounts

No matter 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 you can. That's where auto insurance discounts comes into play.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Bristol West and Chubb so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Bristol West comes out ahead with 18 discounts to Chubb's 15.

There are a couple discounts both companies offer, but Bristol West also offers discounts for advance quote, continuous insurance, EFT, and more.

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

Final Thoughts: Is Bristol West or Chubb Best for You?

So, we've broken down the average prices for many of the factors insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Bristol West or Chubb the right carrier for you and your specific driver profile?

Chubb might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for the best rates on liability only coverage.
• You're of retirement age and want to take advantage of lower premiums.

Bristol West might be best for you if...

• You're looking for discounts -- Bristol West has the most.

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

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Bristol West 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 the top auto insurance carriers in your area, all in just a few minutes.

Bristol West vs. Chubb FAQs

Is Bristol West or Chubb cheaper?

Chubb is the more affordable of the two companies when looking at national average prices, with policies averaging $291 a month with Chubb and $412 for Bristol West. That being said, that doesn't mean Chubb will be the lowest company for everyone, since there are a bunch of different variables that are considered when it comes to your car insurance cost.

Who is better, Bristol West or Chubb?

Unfortunately, the answer truly is "it depends.". Neither carrier is "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like. For example, Bristol West is less expensive for drivers who have less-than-stellar credit scores, while Chubb offers cheaper rates for drivers with an at-fault collision on their record.

Why do Bristol West and Chubb offer me different rates?

Insurance carriers use many different factors when calculating the prices they charge. Variables such as your driving record, where you live, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Bristol West and Chubb calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from lots of different companies.

How do I know if Bristol West 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 a handful of carriers 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 quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Bristol West 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.