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

Quick Facts

• Looking at the national averages for insurance, California Casualty offers significantly cheaper prices than Chubb
• California Casualty offers more affordable rates for single people who will be the only person on the auto insurance policy
• Chubb may help you save more money -- they offer more discounts than California Casualty

California Casualty or Chubb: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to California Casualty or Chubb for your next policy, but which carrier will offer you more affordable prices?

Looking at nationwide averages, Chubb is quite a bit more expensive than California Casualty, with premiums averaging $291 a month compared to just $201 with California Casualty.

That being said, that doesn't necessarily mean California Casualty will be the less expensive option for every driver. Insurance carriers use a ton of complex algorithms to determine rates, so depending on where you live or how clean your driving record is (among a wide array of other factors), you could see wildly different premiums from the ones above.

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

California Casualty vs. Chubb: Average Car Insurance Rates by State

California Casualty and Chubb only compete against each other in one states, with Chubb offering more affordable rates to the average driver in all of them. Washington has the most noticable difference, where Chubb prices are $28 less expensive than car insurance premiums at California Casualty.

That being said, there's a lot more that goes into your insurance payment than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any other group of drivers out there on the road. The reason is that teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

Even so, 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 over 30% less per month by choosing California Casualty over Chubb.

However, with both companies, you'll see your rates decrease significantly by the time you turn 25. For example, average premiums for California Casualty policyholders drop almost 60% and Chubb's rates 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 auto insurance prices you'll ever see. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise premiums.

But who has the best prices for retired drivers between California Casualty and Chubb? California Casualty gets the edge, with rates for drivers 65 and older $38 cheaper than the national average for Chubb.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally less expensive for married couples than they are for those who are single? That's generally because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average rates between these two carriers is significant, with California Casualty prices coming in at a third less than Chubb's. The advantage for married drivers with California Casualty is also obvious, where drivers save around $65 a month.

California Casualty or Chubb: Average Rates by Gender

Because women are less likely to get speeding tickets and get into accidents, they are less likely to file a claim with insurance. So, women tend to pay less for car insurance than men.

On average, women see premiums almost 10% per month less with California Casualty, and about 4% less with Chubb.

Looking at overall affordability, California Casualty offers the cheapest average rates for both men and women, with average prices 29% less for men and 32% cheaper for women.

California Casualty 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.

Insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

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

Looking specifically at state minimum liability insurance, California Casualty has the significant edge, with average monthly premiums coming in at $122. If you want a full coverage policy with the same state minimum limits, California Casualty again has the edge, with policies averaging around $281 a month to Chubb's $412.

Is California Casualty or Chubb Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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.

It's no secret secret that at-fault accidents and speeding tickets lead to higher prices, but which company -- California Casualty or Chubb -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use California Casualty for their car insurance can typically expect their monthly bill to go up about 19% after getting a speeding ticket. Chubb policyholders can expect a less drastic increase of around 15%.

But California Casualty is usually the more affordable option for drivers both with a ticket and with a clean record, offering premiums that are $86 and $91 cheaper, respectively, compared to Chubb.

Which Company is Best for Drivers After an Accident?

Both carriers will increase prices pretty significantly if you get into an at-fault collision with Chubb raising by about 23%. California Casualty has a less extreme increase, but you can still expect to pay more than 30% more than you were prior to your first accident.

At the end of the day, California Casualty offers the cheapest premiums for drivers with an at-fault collision on their records, with average prices coming in at $198 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. For example, Chubb increases average rates by more than $150 per month -- that's nearly a 45% increase.

But if you end up with a DUI charge and are looking for more affordable prices, California Casualty tends to be more affordable for the average driver, with monthly premiums coming in at around $300 to Chubb's $389.

How does Credit Score Impact California Casualty and Chubb Rates?

Did you know many car insurance companies take into account your credit score when determining premiums? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it does affect a lot of drivers out there.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which carrier offers the best rates 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 California Casualty 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 auto insurance companies will charge for coverage. Typically, those who drive less will end up with less expensive premiums since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, California Casualty offers cheaper prices than Chubb. California Casualty's average rates for drivers with 6,000 annual miles come in about 34% less expensive than Chubb. Those who drive 12,000 miles every year can expect to pay around 28% less with California Casualty over Chubb.

California Casualty or Chubb: Compare Rates for Urban, Suburban, and Rural Drivers

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

California Casualty boasts the lowest average 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 35% with California Casualty compared to Chubb. People who live in suburban areas pay around 15% less with California Casualty compared to Chubb. For policyholders in urban ZIP codes, California Casualty's average rates are about 39% less than Chubb.

California Casualty vs. Chubb Discounts

You want to save as much money as you can, right? 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 what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by California Casualty and Chubb so that you can see which one can save you the most money each month.

Looking at the total number of discounts, Chubb comes out ahead with 15 discounts to California Casualty's 14.

Both carriers offer several of the same discounts -- like discounts for getting driver training, mature driver discounts, and multi-policy discounts -- but Chubb also offers discounts for anti-theft, defensive driver, distant student, and more.

On the other hand, California Casualty has a few proprietary discounts of their own for things like education discounts, full coverage discounts, good driving discounts, and more.

Final Thoughts: Is California Casualty or Chubb Best for You?

So, you've seen how different variables can affect your car insurance premiums. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, is California Casualty or Chubb the best company for you and your specific needs?

California Casualty might be best for you if....

• Your driving record contains an at-fault collision.
• You're looking for the best rates on liability only coverage.
• Your neighborhood is in a rural area.

Chubb might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare California Casualty and Chubb and that it aids in making a more informed decision about your 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 auto insurance -- comparing quotes from a handful of companies, not just California Casualty and Chubb. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

California Casualty vs. Chubb FAQs

Is California Casualty or Chubb cheaper?

California Casualty is the more affordable of the two companies when looking at national average prices, with policies averaging $201 a month with California Casualty and $291 for Chubb. Even so, that doesn't mean California Casualty will be the cheapest company for each policyholder, since there are lots of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, California Casualty or Chubb?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do California Casualty and Chubb offer me different rates?

Auto insurance carriers use many different variables when calculating the premiums they charge. Factors such as where you call home, where you park your car, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both California Casualty and Chubb calculate prices differently, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if California Casualty 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 information once and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't California Casualty 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.