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

How do Chubb and Houston General compare when it comes to insurance rates and discounts? If you want to find out which carrier has the best prices for your unique profile, check out our latest guide below.
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Quick Facts

  • Looking at the national averages for auto insurance, Houston General offers significantly more affordable premiums than Chubb
  • Chubb may help you save more money -- they offer more discounts than Houston General Insurance Exchange
  • Houston General has less expensive rates for single people who will be the only person on the car insurance policy

Chubb or Houston General: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering considerable savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Chubb or Houston General as your top options, but between the two, which carrier has cheaper prices for insurance?

Chubb Houston General

Looking at the national average rates for both carriers, Houston General is quite a bit cheaper than Chubb, with premiums averaging $160 a month compared to $291 with Chubb.

That being said, Houston General may not be the cheapest or best option for every driver out there. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, your age, your driving record, or even where you call home (among other things), so prices will vary quite a bit from person to person.

So, if you want to find out which of Chubb or Houston General is really the best for you, keep reading to see average rates for each company broken down by many different rate factors.

Chubb vs. Houston General: Average Car Insurance Rates by State

State Chubb Houston General

Chubb and Houston General only compete against each other in Texas, where Houston General offers the cheaper average premiums. Houston General drivers tend to pay about $58 per month less on average compared to drivers who use Chubb for their insurance.

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your rates. Read on to learn more.

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Which is the Best Company For Young Drivers?

Chubb Houston General
18-year-old drivers$633$311
25-year-old drivers$288$172

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. Usually, that'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.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Houston General for their auto insurance pay over 50% less than those who use Chubb.

However, both companies will offer you dramatically lower rates once you turn 25. Houston General offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Chubb's average premiums decrease almost 55% during that same period.

Which is the Best Company for Retired Drivers?

Chubb Houston General
65+-year-old drivers$187$108

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

When looking at Chubb and Houston General specifically, which carrier is best for retired drivers? Houston General gets the edge, with prices for drivers 65 and older more than 40% less expensive than the national average for Chubb.

Which is the Best Company for Married Drivers?

Chubb Houston General

Those who are single tend to get offered slightly more expensive car insurance rates than married drivers. This usually boils down to married policyholders having more than one vehicle on their policy -- something several auto insurance carriers will reward with discounts.

For single policyholders, the difference in average premiums between these two companies is significant, with Houston General rates coming in at around half of Chubb's. The advantage for married couples with Houston General is also obvious, where drivers save about $100 a month.

Chubb or Houston General: Average Rates by Gender

Chubb Houston General

Did you know women tend to pay less for insurance than men? This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher prices.

With Chubb, women normally pay around $10 per month less than men, and over $10 cheaper with Houston General when compared to their male counterparts.

Looking at overall affordability, Houston General comes out as the lowest option for both genders, with average premiums 44% less for men and 46% cheaper for women.

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Chubb vs. Houston General: Compare State Minimum vs. Full Coverage Rates

Chubb Houston General
State Minimum*$169$83
Full Coverage**$412$236

*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. Everyone needs insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which typically refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability insurance, Houston General has the significant edge, with average monthly prices coming in at $83. If you want a full coverage policy with the same state minimum limits, Houston General again has the edge, with policies averaging about $236 a month to Chubb's $412.

Is Chubb or Houston General Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Chubb Houston General
Clean Record$223$111
1 Speeding Ticket$261$148

Policyholders who use Chubb for their auto insurance can normally expect their monthly bill to go up around 15% after getting a speeding ticket. Houston General policyholders can expect a bit more drastic of an increase of about 25%.

But Houston General is generally the cheaper option for drivers both with clean records and with a ticket. With Houston General Insurance Exchange, drivers with a clean record can save around $112 per month and drivers with a speeding ticket can save about $113 a month.

Which Company is Best for Drivers After an Accident?

Chubb Houston General
Clean Record$223$111
1 At-Fault Accident$290$233

After an accident, drivers who have their car insurance through Chubb can expect to see around an $67 -- or about 23% -- rise in their insurance prices. Drivers who use Houston General for their auto insurance will see a monthly bill around $122 (or 52%) more expensive after reporting a collision to their insurance company.

At the end of the day, drivers who use Houston General end up with the cheaper prices after an accident, with average rates coming in at $233 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

Chubb Houston General
Clean Record$223$111
1 DUI$389$147

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. For example, Chubb increases average prices by more than $150 per month -- that's nearly a 45% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Houston General tends to be more affordable for the average driver, with monthly premiums coming in at about $147 to Chubb's $389.

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How does Credit Score Impact Chubb and Houston General Rates?

Did you know many auto insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it does affect quite a few drivers out there.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which carrier offers the cheapest prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Chubb Houston General
Excellent Credit Score$164$114
Good Credit Score$197$145

If you have solid credit, Houston General will usually reward you the most. For policyholders with "excellent" credit scores, Houston General comes in more than 30.49 less expensive. Drivers with "good" credit scores generally save around 26% with Houston General compared to average rates from Chubb.

Which Company is Best for Drivers with Bad Credit?

Chubb Houston General
Fair Credit Score$229$170
Poor Credit Score$566$211

Houston General typically offers lower premiums than Chubb when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 26% a month less with Houston General compared to Chubb, and those with "poor" scores typically save an average of around 63% a month.

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

Chubb Houston General
6,000 Annual Miles$286$160
12,000 Annual Miles$296$160

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance carriers will charge for coverage. Normally, the more milage you put on your car each year, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Houston General 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, Houston General is the cheaper company.

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

Where your home is can play a pretty big role in how much you pay for insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Chubb Houston General
Urban Areas$360$166
Suburban Areas$260$149
Rural Areas$252$165

Houston General tends to offer the lowest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Houston General's average premiums are around $166 while Chubb offers rates about $360. People in suburban areas pay a monthly rate of around $149 with Houston General compared to $260 with Chubb. Those in rural areas can expect to pay about $165 monthly with Houston General and $252 with Chubb.

Chubb vs. Houston General Discounts

No matter why you might be in the market for a new auto 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 taking advantage of as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Chubb and Houston General so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Chubb Houston General
ABS Discount
Advance Quote Discount 
Anti-Theft Discount
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount 
Driver-Vehicle Combination Discount 
DRL Discount 
Excess Vehicle Discount 
Good Student Discount
Mature Driver Discount 
Multi-Policy Discount
Occasional Operator Discount 
Passive Restraint Discount
Renewal Discount 
Vehicle Ownership Discount 
Youthful Longevity Discount 

Chubb blows Houston General away when it comes to the sheer amount of discounts available, offering seven more discounts than Houston General.

There are a couple discounts both companies offer, but Chubb also offers discounts for defensive driver, driver training, driver-vehicle combination, and more.

On the other hand, Houston General has a few proprietary discounts of their own like advance quote discounts and excess vehicle discounts.

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Final Thoughts: Is Chubb or Houston General Best for You?

So, we've broken down the average prices for many of the variables car insurance carriers look at, and walked through the different discounts each company offers, too. But, when it comes down to it, is Chubb or Houston General the right company for you and your specific needs?

Houston General might be best for you if....

  • Your credit is below-average.
  • Your neighborhood is in the suburbs.
  • Your neighborhood is in a rural area.

Chubb might be best for you if...

  • You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Chubb and Houston General 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 car insurance policy is to compare quotes from several companies, not just Chubb and Houston General. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

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Chubb vs. Houston General FAQs

Is Chubb or Houston General cheaper?

Houston General is the more affordable of the two companies when looking at national average premiums, with policies averaging $160 per month with Houston General and $291 for Chubb. However, that doesn't mean Houston General will be the cheapest company for everyone, since there are lots of different factors that come into play when it comes to your auto insurance bill.

Who is better, Chubb or Houston General?

Sadly, the answer truly is "it depends.". Neither carrier is "better" for every policyholder -- it all depends on the makeup of your unique car insurance profile.

Why do Chubb and Houston General offer me different rates?

Insurance carriers use a lot of different variables when calculating the prices they charge. Factors such as your driving record, where you live, age, gender, and sometimes even things like your credit score can all be used. Both Chubb and Houston General calculate rates using different variables, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the auto insurance carrier 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, does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Chubb or Houston General at all, but another you hadn't even thought of!


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.

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