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

Quick Facts

• Looking at the national averages for insurance, Donegal Mutual offers slightly more affordable rates than Chubb
• Chubb offers more affordable prices for single people who will be the only person on the auto insurance policy
• Donegal Mutual has cheaper rates for drivers who have a speeding ticket on their driving record

Chubb or Donegal Mutual: 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 huge savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Chubb or Donegal Mutual, but which carrier will offer you less expensive premiums?

Looking at nationwide averages, Chubb is around $1 more a month than Donegal Mutual.

Even so, that doesn't mean Donegal Mutual will necessarily be cheaper than Chubb for each driver. Insurance carriers use all sorts of complex algorithms to determine prices, so depending on how old you are or where you live (among a whole bunch of other factors), you could see wildly different rates from the ones above.

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

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

Chubb and Donegal Mutual only compete against each other in one states, with Donegal Mutual offering more affordable prices to the average driver in all of them. Pennsylvania has the most noticable difference, where Donegal Mutual premiums are $93 less expensive than car insurance rates at Chubb.

But there's more to calculating insurance prices than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any group on the road. It's because teen 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 auto insurance. Just look at the table above -- where 18-year-old drivers who have Chubb for their insurance pay 2% less than those who use Donegal Mutual.

But with both companies, you'll see your premiums decrease significantly by the time you turn 25. For example, average prices for Chubb policyholders lower almost 55% and Donegal Mutual's rates drop over 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest auto insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise rates.

When looking at Chubb and Donegal Mutual specifically, which carrier is best for retired drivers? Chubb gets the edge, with prices for drivers 65 and older $25 cheaper than the national average for Donegal Mutual.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Chubb is the winner for single policyholders, with prices about 2% per month more affordable than Donegal Mutual, on average.

Chubb or Donegal Mutual: Average Rates by Gender

Did you know men normally pay more for auto insurance than women? This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

Men typically pay around 4% more a month than women with Chubb, but with Donegal Mutual, the difference is closer to 6% per month.

Looking at the data for each company specifically, Donegal Mutual is the most affordable carrier for women. Rates with Donegal Mutual are $4 cheaper for women, while with Chubb, men can save about $4.

Chubb vs. Donegal Mutual: 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.

Car 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.

However, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

When it comes to state minimum liability limits, Chubb has the edge, while Donegal Mutual offers the cheapest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $1 with Chubb, while full coverage comes out to be around $3 less expensive with Donegal Mutual Insurance Company.

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

You've probably seen plenty of commercials from insurance carriers 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 accidents and speeding tickets lead to higher premiums, but which company -- Chubb or Donegal Mutual -- has the lowest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Chubb for their auto insurance can generally expect their monthly bill to go up about 15% after getting a speeding ticket. Donegal Mutual policyholders can expect a bit more drastic of an increase of around 19%.

That being said, Donegal Mutual tends to offer the best prices for drivers both with clean records and with a ticket. With Donegal Mutual Insurance Company, drivers with a clean record can save about $26 a month and drivers with a speeding ticket can save around $17 per month.

Which Company is Best for Drivers After an Accident?

Chubb policyholders who get in an accident can expect to see their premiums increase by over $65, while those who have insurance through Donegal Mutual will see about a $50 increase.

At the end of the day, the more affordable rates come from Donegal Mutual, with average premiums coming in at $245 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. Donegal Mutual drivers usually see a 58% raise in their insurance rates after a DUI charge, while Chubb will typically increase prices by around 43%.

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 about $389 to Donegal Mutual's $472.

How does Credit Score Impact Chubb and Donegal Mutual Rates?

Often times, your credit score can be used as one of the variables to calculate your monthly car insurance prices. This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect quite a few drivers out there.

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

Looking specifically at Chubb and Donegal Mutual, which company has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Chubb will normally reward you the most. For drivers with "excellent" credit scores, Chubb comes in nearly 22.64 less expensive. Drivers with "good" credit scores generally save around 18% with Chubb compared to average premiums from Donegal Mutual.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay about 17% less with Chubb than Donegal Mutual, but those whose credit is considered "poor" have it flipped -- saving around 24% a month with Donegal Mutual.

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

Did you know that the amount of time you spend in your car have a big impact on how much car insurance carriers will charge for coverage? Usually, the more milage you drive, the more you can expect to pay for coverage.

Looking specifically at Donegal Mutual and Chubb, Chubb is the more affordable option for people with short commutes, while Chubb has better prices for those who work from home. Chubb's average rates for drivers with 6,000 annual miles come in about 5% more expensive than Donegal Mutual. Those who drive 12,000 miles annually can expect to pay around 4% more with Donegal Mutual over Chubb.

Chubb or Donegal Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a pretty big impact on your monthly insurance payment. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Looking at these companies side-by-side, Donegal Mutual boasts the cheapest average prices in rural and suburban areas, while Chubb wins in urban areas.

For drivers in urban ZIP codes, Chubb's average premiums are about $360 per month compared to Donegal Mutual's $445. Drivers in suburban ZIP codes pay around $240 with Donegal Mutual compared to Chubb's $260 a month. If you live in a rural area, you can expect to pay about $184 per month with Donegal Mutual compared to Chubb's $252.

Chubb vs. Donegal Mutual 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 so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Chubb and Donegal Mutual offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Donegal Mutual has the advantage when it comes to total number of discounts. Chubb offers a grand total of 15 discounts, while Donegal Mutual has 20.

Both carriers offer many of the same discounts -- like discounts for being a defensive driver, discounts for getting driver training, and passive restraint discounts -- but Donegal Mutual also offers discounts for advance quote, family discount, good driving, and more.

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

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

So, you've seen how different factors can affect your insurance rates. We've shown you all the discounts each company offers, too. But, when it comes down to it, is Chubb or Donegal Mutual the best fit for you?

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

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You're looking for discounts -- Donegal Mutual has the most.
• Your neighborhood is in a rural area.

Chubb might be best for you if...

• Your driving record includes a DUI charge.
• Your neighborhood is in a city.
• You have a short commute.

Hopefully, this guide helps you get a better idea of the difference between Chubb and Donegal Mutual and that it aids in making a more informed 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 companies, not just Chubb and Donegal Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Chubb vs. Donegal Mutual FAQs

Is Chubb or Donegal Mutual cheaper?

Donegal Mutual is the less expensive of the two companies when looking at national average prices, with policies averaging $290 a month with Donegal Mutual and $291 for Chubb. But that doesn't mean Donegal Mutual will be the lowest carrier for each driver, since there are a bunch of different variables that are considered when it comes to your car insurance bill.

Who is better, Chubb or Donegal Mutual?

Sadly, the answer truly is "it depends.". No single company is "better" for every policyholder -- it all boils down to your unique auto insurance profile.

Why do Chubb and Donegal Mutual offer me different rates?

Insurance carriers use many different factors when determining the rates they charge. Things like where you park your car, age, gender, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Chubb and Donegal Mutual use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the car insurance company 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, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't Chubb or Donegal Mutual 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.