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

Quick Facts

• In general, Integon National offers significantly cheaper prices than Chubb
• Chubb offers more affordable premiums for drivers who have an at-fault accident on their record
• Integon National offers more affordable average rates for residents of suburban areas

Chubb vs. Integon National: 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 have narrowed it down to Chubb or Integon National as potential options, but between the two, which company will offer you less expensive premiums?

As you can see, Chubb has average rates that are about 25% per month more expensive than those from Integon National when looking at the national average rates for auto insurance.

However, that doesn't necessarily mean Integon National will be the cheaper option for every driver. Insurance companies vary their prices depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and all sorts of other factors, so rates will differ quite a bit from person to person.

So, if you want to find out which of Chubb or Integon National is really the best for you, keep reading to see average prices for each carrier broken down by multiple different rate factors.

Chubb or Integon National: Average Car Insurance Rates by State

Chubb and Integon National only compete against each other in two states, with Integon National offering less expensive premiums to the average driver in all of them. If you live in Washington, Chubb is the more affordable of the two carriers when looking at the overall average prices. Integon National is the less expensive option in California.

But there's more to calculating car insurance rates than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Integon National save more than $85 a month compared to those who use Chubb.

But both companies will offer you dramatically lower premiums by the time drivers turn 25. For example, average prices for Chubb policyholders reduce nearly $350 and Integon National's rates decrease around $400 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums out there.

But who has the best prices for retired drivers between Chubb and Integon National? Integon National gets the slight edge, with rates for drivers 65 and older almost 10% cheaper than the national average for Chubb.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more expensive for single drivers than they are for married drivers. This usually boils down to married couples having multiple cars on their policy -- something lots of insurance carriers will reward with discounts.

When it comes to relationship status, Integon National is the clear winner for those who are single, with premiums about $71 per month more affordable than Chubb, on average. The advantage is also clear for married policyholders - Integon National offers the most affordable average rates.

Chubb vs. Integon National: Average Rates by Gender

Men are statistically more likely than women to get tickets and get into collisions, which means they'll normally end up paying more for auto insurance than women.

On average, men see prices around 4% a month higher with Chubb, while with Integon National, the difference is closer to 8% per month.

When it comes to the lowest premiums for each gender, Integon National comes out on top for both men and women. On average, male drivers save about $69 a month and women save about $76 with Integon National compared to the average Chubb policyholder.

Chubb or Integon National: 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.

For most people, car insurance can be pretty complicated. There are a bunch of different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum liability limits, Integon National usually offers cheaper rates of $128 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Integon National again has the edge, with policies around $100 per month more affordable than Chubb, on average.

Is Chubb or Integon National Better for Drivers with Spotty Records?

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

Which Company is Best for Drivers with Speeding Tickets?

Chubb policyholders can expect their prices to go up an average of $38 a month if they get a ticket, while Integon National typically raises rates about $78 per month, on average.

That being said, Integon National is generally the less expensive option for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are 35% and 15% cheaper, respectively, compared to Chubb.

Which Company is Best for Drivers After an Accident?

Chubb drivers who get in an accident can expect to see their prices increase by over $65, while those who have insurance through Integon National will see around a $150 increase.

Overall, the more affordable rates come from Chubb, with monthly premiums averaging $290 compared to Integon National Insurance Company's $300.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than a collision or ticket. Chubb drivers usually see a 43% increase in their car insurance prices after a DUI charge, while Integon National will typically climb rates by about 29%.

If you have a DUI on your record and are looking for more affordable prices, Integon National tends to be the much less expensive option with average premiums of $204 monthly compared to $389 from Chubb.

How does Credit Score Impact Chubb and Integon National Rates?

Did you know that many insurance carriers take your credit score into account when calculating rates? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for several policyholders.

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

Looking specifically at Integon National and Chubb, which carrier has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Chubb. Drivers with "excellent" credit can save just under 20% compared to Integon National, and those with "good" scores can also expect to see savings -- around $17 or 8% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar 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 $2 less with Chubb than Integon National, but those whose credit is considered "poor" have it flipped -- saving around $305 a month with Integon National.

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

How much you drive can have a considerable impact on your monthly insurance bill. That's because the more miles you drive, the more likely you are to get into an accident and cause an insurance claim.

Integon National tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Chubb's average prices for drivers with 6,000 annual miles come in just under $70 more expensive than Integon National. Those who drive 12,000 miles annually can expect to pay over $75 more with Chubb over Integon National.

Chubb vs. Integon National: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a large impact on your monthly car insurance cost. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer cars on the road in those areas, which lowers the chances of an accident.

When comparing these two companies side-by-side, Integon National typically comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest rates from both carriers, but Integon National comes out on top with average premiums about $175 per month. Integon National also has cheaper average rates for drivers in urban and suburban ZIP codes -- a $137 and $4 per month respective difference when compared to Chubb policyholders in similar areas.

Chubb vs. Integon National 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're eligible for.

Below, we've taken a look at all of the different discounts Chubb and Integon National 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.

Overall, Integon National comes out ahead with 18 discounts to Chubb's 15.

There are a couple discounts both companies offer, but Integon National also offers advance quote discounts, agency transfer discounts, drug and alcohol awareness discounts, and more that Chubb does not.

On the flip side, Chubb has a couple unique discounts of its own -- distant student discounts, discounts for getting driver training, driver-vehicle combination discounts, and more.

Final Thoughts: Is Chubb or Integon National Best for You?

So, we've broken down the average premiums for many of the factors car insurance carriers look at, and we've shown you all the discounts each carrier offers. 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?

Integon National might be best for you if....

• You're single and purchasing auto insurance by yourself.
• You live in an suburban area.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Chubb might be best for you if...

• You have an at-fault collision on your record.
• You already have a great credit score.

We hope this guide helps you get a better idea of the difference between Chubb and Integon National. We also hope we've given you the information you need to make the best decision when it comes to your car 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 auto insurance -- comparing quotes from several companies, not just Chubb and Integon National. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Chubb vs. Integon National FAQs

Is Chubb or Integon National cheaper?

Looking just at the national average prices, Integon National is the less expensive of the two companies, offering average rates of $218 a month compared to $291 for Chubb. Even so, Integon National won't necessarily be the lowest carrier for everyone, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Chubb or Integon National?

Sadly, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique car insurance profile looks like. For example, Chubb offers more affordable rates for drivers with an at-fault accident on their record, while Integon National is cheaper for drivers who have less-than-stellar credit scores.

Why do Chubb and Integon National offer me different rates?

Insurance carriers take a look at many different factors when determining the premiums they charge policyholders. Things like your driving record, age, gender, where you call home, and sometimes even things like your credit score can all come into play. Both Chubb and Integon National use different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto 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, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the cheapest rate. And who knows, the best carrier for you might not be Chubb or Integon National at all!

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.