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

Quick Facts

• In general, Chubb offers significantly cheaper premiums than Encompass
• Chubb offers more affordable average prices for drivers with a DUI
• Encompass may help you save more money -- they offer more discounts than Chubb

Chubb or Encompass: 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 it down to Chubb or Encompass as potential options, but between the two, which company will offer you less expensive rates?

Looking at nationwide averages, Encompass has average rates that are around 40% a month more expensive than those from Chubb.

But Chubb may not be the lowest or best option for every driver out there. Insurance carriers vary their prices 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 ton of other factors, so premiums could vary drastically from person to person.

So, if you want to find out which of Chubb or Encompass is really the best for you, keep reading to see average rates for each carrier broken down by a bunch of different rate factors.

Chubb vs. Encompass: Average Car Insurance Rates by State

Chubb and Encompass compete against each other in six states, with Chubb offering cheaper premiums to the average driver in all of them. Washington has the most noticable difference, where Chubb prices are $332 more affordable than car insurance premiums at Encompass.

That being said, there are plenty of other factors that go into your auto insurance payment than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers. It's normally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Chubb for their car insurance pay over 45% less than those who use Encompass.

That being said, with both companies, you'll see your prices reduce significantly by the time you turn 25. For example, average rates for Chubb policyholders drop about $350 and Encompass's prices decrease around $500 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable insurance premiums you can find. After all, they've likely been driving for quite some time, which usually lowers their chances of collisions and other infractions that can raise rates.

So, which company offers the best premiums to retired drivers? Chubb gets the edge, with prices for drivers 65 and older $148 less expensive than the national average for Encompass.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly more affordable auto insurance premiums than single drivers. This usually boils down to married couples having multiple vehicles on their policy -- something several car insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with Chubb prices coming in at about 40% less than Encompass's. The advantage for married policyholders with Chubb is also obvious, where drivers save almost 30% per month.

Chubb or Encompass: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll typically end up paying more for auto insurance than women.

On average, women see rates around 4% a month less with Chubb, but with Encompass, the difference is closer to 5% per month.

When it comes to the cheapest premiums for each gender, Chubb offers the most affordable average prices for both men and women. On average, male drivers save about $181 a month and women save about $169 with Chubb compared to the average Encompass policyholder.

Chubb vs. Encompass: 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 can be a complicated subject for most people. There are multiple different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum liability limits, Chubb has the significant edge, with average monthly rates 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 around $412 per month to Encompass's $629.

Is Chubb or Encompass Better for Drivers with Spotty Records?

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

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Chubb for their insurance can normally expect their monthly bill to go up about 15% after getting a speeding ticket. Encompass policyholders can expect a bit more drastic of an increase of around 21%.

However, Chubb is typically the less expensive option for both drivers who have clean records and those with a recent ticket, offering prices that are 2% and 9% cheaper, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Chubb can expect to see about an $67 -- or around 23% -- rise in their car insurance premiums. Drivers who use Encompass for their auto insurance will see a monthly bill about $101 (or 31%) more expensive after reporting an accident to their insurance carrier.

At the end of the day, the more affordable prices come from Chubb, with average rates coming in at $290 compared to Encompass Insurance's $328.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. Encompass drivers usually see a 78% raise in their car insurance premiums after a DUI charge, while Chubb will usually increase rates by around 43%.

How does Credit Score Impact Chubb and Encompass Rates?

Often times, your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for lots of drivers.

The reasoning insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally be forced to pay more.

So, which company offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Chubb or Encompass 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 car insurance bill. That's because the more milage you drive, the more likely you are to be in a collision and file an insurance claim.

Chubb tends to be the cheaper option for both remote workers and those taking short commutes. Encompass average prices for drivers with 6,000 annual miles come in about $179 more expensive than Chubb. Those who drive 12,000 miles every year can expect to pay around $171 more with Encompass over Chubb.

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

Where you live can play a considerable role in how much you pay for insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, Chubb generally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about 38% with Chubb compared to Encompass. People who live in suburban areas pay around 40% less with Chubb compared to Encompass. For policyholders in urban ZIP codes, Chubb's average premiums are about 36% less than Encompass Insurance.

Chubb vs. Encompass Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

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

Encompass knocks Chubb out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than Chubb.

There are a couple discounts both companies offer, but Encompass also offers discounts for advance quote, EFT, employee discount, and more.

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

Final Thoughts: Is Chubb or Encompass Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which carrier is the right one for you and your specific profile and needs?

Chubb might be best for you if....

• Your driving record contains an at-fault accident.
• You are purchasing your insurance with a spouse.

Encompass might be best for you if...

• You value the experience that comes with a large national auto insurance company.
• You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Chubb and Encompass. 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 best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Chubb and Encompass. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Chubb vs. Encompass FAQs

Is Chubb or Encompass cheaper?

Chubb is the less expensive of the two companies when looking at national average rates, with policies averaging $291 a month with Chubb and $466 for Encompass. But that doesn't mean Chubb will be the lowest carrier for everyone, since there are several different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Chubb or Encompass?

Sadly, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Chubb and Encompass offer me different rates?

Insurance carriers use a lot of different variables when determining the premiums they charge. Factors like where you call home, age, where your home is, gender, and sometimes even things like your credit score can all come into play. Both Chubb and Encompass calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from several 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 ZIP code 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 best premium. And maybe you'll find that the best carrier for you isn't Chubb or Encompass 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.