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

You've probably seen ads offering big savings on car insurance, but are Chubb or Infinity right for you? Which carrier offers the most affordable premiums, or the most discounts? Read on to see how Chubb and Infinity compare, and to find out which company is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Infinity offers significantly cheaper rates than Chubb
  • Chubb may help you save more money -- they offer more discounts than Infinity Insurance
  • Infinity tends to be a much less expensive option for policyholders whose driving record contains an at-fault collision

Chubb or Infinity: 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 considerable savings. But exactly how much can you save by switching?

You might have narrowed your search down to Chubb or Infinity as potential options, but between the two, which one has more affordable prices for auto insurance?

Chubb Infinity

Looking at the national average rates for both carriers, Chubb has average rates that are around 40% a month more expensive than those from Infinity.

However, that doesn't necessarily mean Infinity will be the less expensive option for every single driver. Car insurance companies use a variety of complex algorithms to determine rates, so depending on where you live or how good your credit score is (among a multitude of other factors), you could see wildly different prices from the ones above.

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

Chubb vs. Infinity: Average Car Insurance Rates by State

State Chubb Infinity

Chubb and Infinity only compete against each other in California, where Infinity offers the cheaper average prices. Infinity drivers tend to pay about $154 per month less on average compared to drivers who use Chubb for their insurance.

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

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Which is the Best Company For Young Drivers?

Chubb Infinity
18-year-old drivers$633$468
25-year-old drivers$288$147

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers. 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.

But that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Infinity save over 25% a month compared to those who use Chubb.

That being said, both companies will reduce premiums by the time you turn 25. For example, average prices for Chubb policyholders lower about $350 and Infinity's premiums decrease around $300 over that time.

Which is the Best Company for Retired Drivers?

Chubb Infinity
65+-year-old drivers$187$134

Once you approach retirement age, you'll generally enjoy the cheapest insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

But who has the best prices for retired drivers between Chubb and Infinity? Infinity gets the edge, with rates for drivers 65 and older $53 cheaper than the national average for Chubb.

Which is the Best Company for Married Drivers?

Chubb Infinity

Those who are single tend to get offered slightly more expensive insurance premiums than married policyholders. That's usually because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average rates between these two carriers is significant, with Infinity prices coming in at a third less than Chubb's. The advantage for married couples with Infinity is also obvious, where drivers save more than $100 per month.

Chubb or Infinity: Average Rates by Gender

Chubb Infinity

Because women are less likely to get speeding tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, insurance companies will tend to charge women less than men.

On average, women see rates about $10 a month more affordable with Chubb; and with Infinity, both genders end up paying the same monthly price.

When it comes to the lowest prices for each gender, Infinity offers the most affordable average premiums for both men and women. On average, male drivers save about $118 per month and women save around $107 with Infinity compared to the average Chubb policyholder.

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Chubb vs. Infinity: Compare State Minimum vs. Full Coverage Rates

Chubb Infinity
State Minimum*$169$93
Full Coverage**$412$262

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

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

Looking specifically at state minimum liability limits, Infinity has the significant edge, with average monthly prices coming in at $93. If you want a full coverage policy with the same state minimum limits, Infinity again has the edge, with policies averaging about $262 a month to Chubb's $412.

Is Chubb or Infinity 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Chubb Infinity
Clean Record$223$128
1 Speeding Ticket$261$160

Policyholders who use Chubb for their auto insurance can typically expect their monthly bill to go up around 15% after getting a speeding ticket. Infinity policyholders can expect a bit more drastic of an increase of about 20%.

Even so, Infinity tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering prices that are 43% and 39% less expensive, respectively, compared to Chubb.

Which Company is Best for Drivers After an Accident?

Chubb Infinity
Clean Record$223$128
1 At-Fault Accident$290$211

Chubb drivers who get in an accident can expect to see their premiums rise by over $65, while those who have insurance through Infinity will see around a $85 increase.

At the end of the day, drivers who use Infinity end up with the cheaper prices after an accident, with average rates coming in at $211 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

Chubb Infinity
Clean Record$223$128
1 DUI$389$211

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. Chubb drivers usually see a 43% raise in their car insurance premiums after a DUI charge, while Infinity will normally increase rates by about 39%.

But if you end up with a DUI charge and are looking for more affordable prices, Infinity tends to be more affordable for the average driver, with monthly premiums coming in at around $211 to Chubb's $389.

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How does Credit Score Impact Chubb and Infinity Rates?

Did you know many auto insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as a car insurance factor) but it will come into play for a lot of policyholders.

The reasoning insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with cheaper rates.

Looking specifically at Infinity and Chubb, which company has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Chubb Infinity
Excellent Credit Score$164No Data Available
Good Credit Score$197No Data Available

You'll often be rewarded if you have stellar credit. With Chubb, improving your score from "good" to "excellent" will generally save you about 15%. Because Infinity, doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Chubb Infinity
Fair Credit Score$229No Data Available
Poor Credit Score$566No Data Available

If you have bad credit, it can cost you with Chubb. If your credit score is in the "poor" range, at Chubb, you may pay around $350 more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because Infinity doesn't have data available for credit scores, they might have better rates for drivers with bad credit over Chubb.

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

Chubb Infinity
6,000 Annual Miles$286$167
12,000 Annual Miles$296$189

How much you drive can have a pretty big impact on how much car insurance carriers will charge for coverage. That's because the fewer miles you put on your car, the less likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Infinity offers more affordable prices than Chubb. Chubb's average rates for drivers with 6,000 annual miles come in about 42% more expensive than Infinity. Those who drive 12,000 miles yearly can expect to pay around 36% more with Chubb over Infinity.

Chubb or Infinity: 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 auto insurance, but the type of area you live in can have a substantial impact as well. 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 Infinity
Urban Areas$360$198
Suburban Areas$260$186
Rural Areas$252$149

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

For drivers in urban ZIP codes, Infinity Insurance's average rates are about 45% less than Chubb. People who live in suburban areas pay around 28% less with Infinity compared to Chubb. Those in rural areas can expect to save about 41% with Infinity compared to Chubb.

Chubb vs. Infinity 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 insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Chubb and Infinity so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Chubb Infinity
ABS Discount 
Anti-Theft Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
Driver-Vehicle Combination Discount 
DRL Discount 
Good Driving 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 knocks Infinity out of the park when it comes to the sheer number of discounts available, offering 12 more discounts than Infinity.

Both companies offer several of the same discounts -- like discounts for being a defensive driver and discounts for being a good student -- but Chubb also offers discounts for ABS, anti-theft, distant student, and more.

On the other hand, Infinity has a proprietary discount of their own -- a good driving discounts.

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Final Thoughts: Is Chubb or Infinity Best for You?

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

Infinity might be best for you if....

  • You will be the only person on the insurance policy.
  • You're looking for the best premiums on liability only coverage.
  • You're of retirement age and want to take advantage of lower prices.

Chubb might be best for you if...

  • Your credit is below-average.
  • Your credit score is high.
  • You care about discounts (Chubb offers the most).

Hopefully, this guide has ben a valuable resource as you compare Chubb and Infinity. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire 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 Infinity. Luckily, does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

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Chubb vs. Infinity FAQs

Is Chubb or Infinity cheaper?

Infinity is the less expensive of the two companies when looking at national average premiums, with policies averaging $178 a month with Infinity and $291 for Chubb. However, that doesn't mean Infinity will be the most affordable carrier for everyone, since there are multiple different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Chubb or Infinity?

Sadly, the answer truly is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Chubb is cheaper for drivers with excellent credit, while Infinity offers more affordable rates for drivers with a recent DUI.

Why do Chubb and Infinity offer me different rates?

Insurance carriers use quite a few different variables when calculating the premiums they charge. Factors like age, where you live, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both Chubb and Infinity calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto 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, sites like do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Chubb or Infinity 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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