Celina Mutual vs. Chubb: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Celina Mutual offers slightly cheaper prices than Chubb
• Celina Mutual has more affordable rates for policyholders whose driving record contains an at-fault collision
• Chubb tends to be a much less expensive option for policyholders who live in urban areas

Celina Mutual 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 large savings. But exactly how much can you save by switching?

You might be considering Celina Mutual or Chubb as your top options, but which company will save you the most?

Looking at the national average rates for both carriers, Chubb is around $19 more a month than Celina Mutual.

That being said, that doesn't mean Celina Mutual will necessarily be cheaper than Chubb for every single driver. Insurance companies vary their prices depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and tons of other factors, so premiums will differ quite a bit from person to person.

Wanting to know if Celina Mutual 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.

Celina Mutual vs. Chubb: Average Car Insurance Rates by State

Celina Mutual and Chubb only compete against each other in Tennessee, where Chubb offers the cheaper average rates. Chubb drivers tend to pay about $24 per month less on average compared to drivers who use Celina Mutual for their car insurance.

There's a lot more that goes into your insurance cost than just where you call home. Keep reading to find out 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.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Chubb for their insurance pay almost 10% less than those who use Celina Mutual.

However, both carriers will decrease prices 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, Celina Mutual still has the most affordable rates at $267 monthly.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Celina Mutual gets the edge here, with average rates coming in at about $168 per month compared to Chubb's $187.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance prices than married drivers. That's because policies for married policyholders usually cover more than one vehicle, which a lot of companies will give you a discount for.

For single drivers, the difference in average rates between these two carriers is not very significant, with Celina Mutual premiums coming in at around 1% less than Chubb's. The advantage for married couples is more obvious, where drivers who use Celina Mutual save about $40 a month.

Celina Mutual or Chubb: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, insurance companies will often charge women less than men.

On average, men see rates nearly 10% per month higher with Celina Mutual, but with Chubb, the difference is closer to 4% a month.

When it comes to the lowest premiums for each gender, Celina Mutual comes out on top for both men and women. On average, women save about $27 per month and men save around $11 with Celina Mutual compared to the average Chubb policyholder.

Celina Mutual 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.

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

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

Looking specifically at state minimum limits for liability insurance, Celina Mutual has the edge, with average monthly prices coming in at $140. If you want a full coverage policy with the same state minimum limits, Celina Mutual again has the edge, with policies averaging about $403 a month to Chubb's $412.

Is Celina Mutual or Chubb Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault collisions and speeding tickets will most likely raise your rates, but is Celina Mutual or Chubb more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Celina Mutual for their auto insurance can normally expect their monthly bill to go up around 17% after getting a speeding ticket. Chubb policyholders can expect a less drastic increase of about 15%.

But Celina Mutual has less expensive prices for drivers in both categories, offering premiums that are $69 and $76 more affordable, respectively, compared to Chubb.

Which Company is Best for Drivers After an Accident?

Celina Mutual drivers who get in an accident can expect to see their prices increase by just under $150, while those who have insurance through Chubb will see around a $65 increase.

At the end of the day, drivers who use Celina Mutual end up with the cheaper prices after an accident, with average rates coming in at $285 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, Celina Mutual will climb your premiums about 67% after a DUI, while Chubb's average rates rise by nearly 45%.

But if you end up with a DUI charge and are looking for more affordable premiums, Chubb tends to be cheaper for the average driver, with monthly premiums coming in at around $389 to Celina Mutual's $462.

How does Credit Score Impact Celina Mutual and Chubb Rates?

Did you know many car insurance carriers take into account your credit score when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it will come into play for quite a few policyholders.

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

Looking specifically at Chubb and Celina Mutual, which carrier has the cheapest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Celina Mutual 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 your monthly auto insurance bill. Typically, the more milage you put on your car, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Celina Mutual charges. However, there's a small difference in monthly rates for Chubb, with policyholders who drive the least paying about $10 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Celina Mutual is the less expensive company.

Celina Mutual 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 big impact as well. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers since there are a lot fewer vehicles on the roads where they live.

Looking at these carriers side-by-side, Chubb tends to offer the lowest option for drivers in rural and urban areas, while Celina Mutual wins in suburban areas.

If you live in a rural area, you can expect to pay around $252 a month with Chubb and $254 with Celina Mutual. Drivers in suburban ZIP codes pay a monthly rate of about $183 with Celina Mutual compared to $260 with Chubb. For drivers in urban ZIP codes, Chubb's average prices are around $360 per month compared to Celina Mutual's $377.

Celina Mutual 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, and the best way to do that is by utilizing as many insurance discounts as possible.

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're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Celina Mutual and Chubb offer their customers so that you can see which one can save you the most money each month.

Overall, Celina Mutual has a slight advantage when it comes to total number of discounts. Chubb offers a grand total of 15 discounts, while Celina Mutual has 17.

There are a couple discounts both companies offer, but Celina Mutual also offers discounts for advance quote, claim free, continuous insurance, and more.

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

Final Thoughts: Is Celina Mutual or Chubb Best for You?

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

Celina Mutual might be best for you if....

• You've been pulled over for speeding recently.
• You're looking for the best rates on liability only coverage.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Chubb might be best for you if...

• Your credit score is high.
• Your neighborhood is in a rural area.
• You want to save money while purchasing car insurance for a teenager.

Hopefully, this guide helps you get a better idea of the difference between Celina Mutual and Chubb and that it aids in making a more informed 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 a handful of companies, not just Celina Mutual and Chubb. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Celina Mutual vs. Chubb FAQs

Is Celina Mutual or Chubb cheaper?

Celina Mutual is the cheaper of the two companies when looking at national average prices, with policies averaging $272 a month with Celina Mutual and $291 for Chubb. However, that doesn't mean Celina Mutual will be the most affordable carrier for every policyholder, since there are many different factors that are considered when it comes to your auto insurance payment.

Who is better, Celina Mutual or Chubb?

Sadly, the answer truly is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Celina Mutual and Chubb offer me different rates?

Auto insurance carriers use lots of different variables when calculating the rates they charge. Factors such as gender, your driving record, where you call home, age, and sometimes even things like your credit score can all come into play. Both Celina Mutual and Chubb calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from multiple different companies.

How do I know if Celina Mutual or Chubb is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the cheapest price. And maybe you'll find that the best carrier for you isn't Celina Mutual 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.