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

So, you're in the market for a new insurance policy. You may have even narrowed down your search to Chubb and Erie. But which of these two companies is the best one for you? Read on to find which company has the best prices and biggest discounts.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Based on national averages for car insurance, Erie offers significantly less expensive premiums than Chubb
  • Chubb offers more affordable rates for residents in California, New York, Pennsylvania, Tennessee, Texas, Washington, and Wisconsin
  • Erie offers more affordable premiums for drivers who have less-than-stellar credit

Chubb vs. Erie: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You might be considering Chubb or Erie for your next policy, but between the two, which carrier will save you the most?

Chubb Erie

Looking at the national average rates for both companies, Erie is quite a bit cheaper than Chubb, with prices averaging $153 per month compared to $291 with Chubb.

Even so, Erie may not be the cheapest or best option for every single driver out there. Insurance carriers vary their rates depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and a ton of other factors, so prices could differ drastically from person to person.

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

Chubb or Erie: Average Car Insurance Rates by State

State Chubb Erie

Chubb and Erie compete against each other in four states, with Chubb offering cheaper premiums to the average driver in all of them. If you live in New York, Chubb is the more affordable of the two companies when looking at the overall average prices. Erie is the less expensive option in Pennsylvania, Tennessee, and Wisconsin.

That being said, there's a lot more that goes into your car insurance payment than just your home state. Continue reading to see how other factors will affect your rates.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Chubb Erie
18-year-old drivers$633$315
25-year-old drivers$288$142

You might already know that teen drivers generally pay a lot more for auto insurance than any group on the road. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Erie save more than $300 a month compared to those who use Chubb.

That being said, with both carriers, you'll see your rates decrease significantly by the time you turn 25. Erie offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Chubb's average premiums reduce nearly 55% during that same period.

Which is the Best Company for Retired Drivers?

Chubb Erie
65+-year-old drivers$187$116

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever find.

But who has the best prices for retired drivers between Chubb and Erie? Erie gets the edge here, with average rates coming in at about $116 a month compared to Chubb's $187.

Which is the Best Company for Married Drivers?

Chubb Erie

You may not be aware, but auto insurance premiums tend to be more expensive for those who are single than they are for married drivers. This usually boils down to married couples having multiple cars on their policy -- something quite a few car insurance companies will reward with discounts.

When it comes to relationship status, Erie is the clear winner for single drivers, with prices around $162 per month more affordable than Chubb, on average. For married policyholders, the advantage is clear again - Erie has the edge when it comes to average rates.

Chubb vs. Erie: Average Rates by Gender

Chubb Erie

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will usually end up paying a little more.

Usually, men see prices over $10 a month higher with Chubb, while with Erie, the difference is closer to $11 per month.

When it comes to the most affordable premiums for each gender, Erie comes out as the lowest option for both genders, with average prices $138 less for men and $138 cheaper for women.

Find your best rate in just a few minutes

Chubb or Erie: Compare State Minimum vs. Full Coverage Rates

Chubb Erie
State Minimum*$169$91
Full Coverage**$412$215

*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.

It's no secret that car insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum liability limits, Erie typically offers significantly cheaper premiums of $91 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Erie again has the edge, with policies about $200 a month more affordable than Chubb, on average.

Is Chubb or Erie Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 accidents and tickets on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Chubb Erie
Clean Record$223$119
1 Speeding Ticket$261$137

Chubb policyholders can expect their prices to go up an average of $38 per month if they get a ticket, while Erie normally raises premiums around $18 a month, on average.

But Erie is generally the cheaper option for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save about $104 per month and drivers with a ticket can save around $124 a month with Erie Insurance.

Which Company is Best for Drivers After an Accident?

Chubb Erie
Clean Record$223$119
1 At-Fault Accident$290$157

Both companies will increase rates pretty significantly if you get into an at-fault accident with Chubb increasing by over $65. Erie has a less extreme increase, but you can still expect to pay just under $40 more than you were prior to your first collision.

Overall, Erie offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $157 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

Chubb Erie
Clean Record$223$119
1 DUI$389$198

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than a collision or speeding ticket. Chubb drivers usually see a 43% raise in their auto insurance prices after a DUI charge, while Erie will typically climb rates by about 40%.

If you have a DUI on your record and are looking for more affordable premiums, Erie tends to be the much less expensive option with average prices of $198 per month compared to $389 from Chubb.

Find your best rate in just a few minutes

How does Credit Score Impact Chubb and Erie Rates?

Often times, your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for several 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 premiums, while those with poor credit will normally be forced to pay more.

Looking at Chubb and Erie specifically, which one has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Chubb Erie
Excellent Credit Score$164$91
Good Credit Score$197$111

If you have a solid credit score, you'll usually find a better deal with Erie. Policyholders with "excellent" credit can save just under 45% compared to Chubb, and those with "good" scores can also expect to see savings -- around $86 or 44% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Chubb Erie
Fair Credit Score$229$150
Poor Credit Score$566$258

Erie typically offers lower rates than Chubb when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $79 per month less with Erie compared to Chubb, and those with "poor" scores usually save an average of around $308 monthly.

Find your best rate in just a few minutes

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

Chubb Erie
6,000 Annual Miles$286$147
12,000 Annual Miles$296$158

Did you know that the amount of time you spend in your car have a considerable impact on your monthly prices? Typically, those who drive less will end up with more affordable premiums since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Erie offers less expensive rates than Chubb. Erie average premiums for drivers with 6,000 annual miles come in nearly $150 cheaper than Chubb. Those who drive 12,000 miles annually can expect to pay just under $150 less with Erie over Chubb.

Chubb vs. Erie: 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 car insurance, but the type of area you live in can have a big impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Chubb Erie
Urban Areas$360$194
Suburban Areas$260$145
Rural Areas$252$115

Erie tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Erie offers rates about $194 per month compared to Chubb's $360. People who live in suburban ZIP codes can expect to pay around $145 a month for Erie and $260 for Chubb. Lastly, those in rural areas tend to get the cheapest premiums from both carriers, with average monthly prices coming in at $115 and $252 for Erie and Chubb respectively.

Chubb vs. Erie Discounts

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

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 can take advantage of.

In the section below, we've compared all of the different discounts offered by Chubb and Erie so that you can see which company can save you the most money each month.

Chubb Erie
ABS Discount
Advance Quote Discount 
Anti-Theft Discount
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount
Driver-Vehicle Combination Discount 
DRL Discount
Farm Discount 
Good Driving Discount 
Good Student Discount 
Mature Driver Discount
Multi-Car Discount 
Multi-Policy Discount
Occasional Operator Discount 
Paid In Full Discount 
Passive Restraint Discount
Pay Plan Discount 
Prior BI limit Discount 

Erie blows Chubb away when it comes to the sheer amount of discounts available, offering six more discounts than Chubb.

There are a couple discounts both companies offer, but Erie also offers advance quote discounts, COVID-19 relief discount, farm discounts, and more that Chubb does not.

On the flip side, Chubb has a couple unique discounts of its own -- driver-vehicle combination discounts, discounts for being a good student, occasional operator discounts, and more.

Find your best rate in just a few minutes

Final Thoughts: Is Chubb or Erie Best for You?

So, you've seen how different variables can affect your insurance premiums. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right one for you, your vehicle, and your wallet?

Erie might be best for you if....

  • You've been pulled over for speeding recently.
  • Your credit score is high.
  • Your neighborhood is in the suburbs.

Chubb might be best for you if...

  • You're looking for the best rates in CA, NY, PA, TN, TX, WA, and WI.

We hope this guide has ben a valuable resource as you compare Chubb and Erie and that you can now make a more informed decision when it comes to your auto 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 car insurance -- comparing quotes from several carriers, not just Chubb and Erie. Luckily, makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Find your best rate in just a few minutes

Chubb vs. Erie FAQs

Is Chubb or Erie cheaper?

Looking just at the national average rates, Erie is the less expensive of the two carriers, offering average rates of $153 per month compared to $291 for Chubb. However, Erie won't necessarily be the lowest carrier for everyone, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Chubb or Erie?

Unfortunately, the only answer we can give you is "it depends.". No single company is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Chubb and Erie offer me different rates?

Car insurance companies take a look at lots of different variables when calculating the premiums they charge policyholders. Things like gender, your driving record, where your home is, age, and sometimes even things like your credit score can all be used. Both Chubb and Erie use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the auto 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 make it easy for you to do just that. Just enter your ZIP code 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 cheapest premium. And who knows, the best carrier for you might not be Chubb or Erie at all!


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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes