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

Quick Facts

• In general, Dairyland offers cheaper premiums than Chubb
• Chubb offers more affordable prices for drivers who have an at-fault accident on their record
• Dairyland offers less expensive average rates for policyholders who drive a short distance to work everyday

Chubb vs. Dairyland: 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 discounts. But exactly how much can you save by switching?

You might have narrowed it down to Chubb or Dairyland as potential options, but which carrier will save you the most?

Looking at the national average rates for both companies, Dairyland is about $35 per month more affordable than Chubb.

However, that doesn't necessarily mean Dairyland will be the less expensive option for every driver. Car insurance carriers vary their premiums depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and a variety of other factors, so prices will vary quite a bit from person to person.

Luckily, we've broken down average premiums from both Chubb and Dairyland by several different rate factors, so read on to find out which company is the best for you.

Chubb or Dairyland: Average Car Insurance Rates by State

Chubb and Dairyland only compete against each other in two states, with Dairyland offering more affordable prices to the average driver in all of them. Pennsylvania has the most noticable difference, where Dairyland rates are over 15% cheaper than auto insurance premiums at Chubb.

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

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. That's generally because young, inexperienced 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Dairyland for their car insurance pay more than $100 less than those who use Chubb.

That being said, both companies will offer you dramatically lower prices by the time you turn 25. For example, average rates for Chubb policyholders reduce nearly 55% and Dairyland's prices decrease over 55% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable 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 rates to retired drivers? Chubb gets the slight edge, with premiums for drivers 65 and older almost 10% more affordable than the national average for Dairyland.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance rates than married couples. That's typically because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Dairyland is the clear winner for single policyholders, with prices around $42 a month less expensive than Chubb, on average. The advantage is also clear for married policyholders - Dairyland offers the cheapest average premiums.

Chubb vs. Dairyland: Average Rates by Gender

You may not know, but car insurance is generally more expensive for men than for women. This is because men are more likely to get into collisions and get tickets, which raises the chances of an insurance claim.

On average, men see rates about 4% per month higher with Chubb, while with Dairyland, the difference is closer to 4% a month.

When it comes to the lowest prices for each gender, Dairyland comes out on top for both men and women. On average, male drivers save about $35 per month and women save around $34 with Dairyland compared to the average Chubb policyholder.

Chubb or Dairyland: 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.

Auto insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum liability insurance, Dairyland usually offers cheaper premiums of $142 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Dairyland again has the edge, with policies about $40 a month more affordable than Chubb, on average.

Is Chubb or Dairyland Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two carriers offers the cheapest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Chubb policyholders can expect their premiums to go up an average of $38 per month if they get a ticket, while Dairyland typically raises rates around $40 a month, on average.

But Chubb is normally the cheaper option for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are 1% and 2% less expensive, respectively, compared to Dairyland.

Which Company is Best for Drivers After an Accident?

Chubb drivers who get in an accident can expect to see their prices rise by over $65, while those who have insurance through Dairyland will see about a $70 increase.

Overall, Chubb offers the most affordable rates for drivers with an at-fault collision on their records, with monthly premiums averaging $290 compared to Dairyland's $297.

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 insurance bill -- typically a lot more than a collision or ticket. For example, Chubb increases average rates by over $150 per month -- that's just under a 45% increase.

If you have a DUI on your record and are looking for more affordable prices, Dairyland tends to be the much cheaper option with average rates of $236 per month compared to $389 from Chubb.

How does Credit Score Impact Chubb and Dairyland Rates?

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

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

Looking specifically at Chubb and Dairyland, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Chubb or Dairyland Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on how much insurance companies will charge for coverage. Normally, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Dairyland charges. However, there's a small difference in monthly prices for Chubb, with drivers who put 6,000 miles on their vehicle yearly paying around $10 less each month compared to those who drive 12,000 miles annually. Still, Dairyland is the cheaper option for drivers in both categories.

Chubb vs. Dairyland: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a sizable role in how much you pay for auto insurance. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer cars on the roads in those areas.

Dairyland boasts the cheapest average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest prices from both carriers, but Dairyland comes out on top with average rates about $203 monthly. Dairyland also has more affordable average premiums for policyholders in urban and suburban ZIP codes -- a 13% and 3% a month respective difference when compared to Chubb drivers in similar areas.

Chubb vs. Dairyland Discounts

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

The challenging part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the section below, we've compared all of the different discounts offered by Chubb and Dairyland so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Overall, Chubb has the advantage when it comes to total number of discounts. Dairyland offers a grand total of 11 discounts, while Chubb has 15.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good student, and passive restraint discounts. Chubb also offers ABS discounts, distant student discounts, driver training discounts, and more that Dairyland does not.

On the flip side, Dairyland has a couple unique discounts of its own -- advance quote discounts, agency transfer discounts, discounts for being a homeowner, and more.

Final Thoughts: Is Chubb or Dairyland Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which carrier is the right company for you, your vehicle, and your wallet?

Dairyland might be best for you if....

• You're single and purchasing car insurance by yourself.
• You're looking for more protection with "full coverage" auto insurance.
• You and your spouse are buying insurance together.

Chubb might be best for you if...

• You haven't received any speeding tickets or been in a collision in the last few years.
• Your driving record contains an at-fault accident.
• You're looking for the company with the most discounts.

We hope this guide helps you get a good idea of the differences between Chubb and Dairyland. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Chubb and Dairyland. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Chubb vs. Dairyland FAQs

Is Chubb or Dairyland cheaper?

Looking just at the national average rates, Dairyland is the less expensive of the two carriers, offering average rates of $256 per month compared to $291 for Chubb. Even so, Dairyland won't necessarily be the most affordable carrier for everyone, since there are lots of different variables that come into play when it comes to your insurance cost.

Who is better, Chubb or Dairyland?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for every driver -- it all depends on the makeup of your unique car insurance profile. For example, Dairyland offers more affordable prices for drivers with a recent DUI, while Chubb is less expensive for drivers with excellent credit.

Why do Chubb and Dairyland offer me different rates?

Auto insurance companies take a look at many different factors when determining the rates they charge policyholders. Variables like where you call home, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Chubb and Dairyland calculate prices differently, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple 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 area information and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be Chubb or Dairyland 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.