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

Quick Facts

• Looking at the national averages for auto insurance, Integrity offers significantly cheaper rates than Chubb
• Chubb may help you save more money -- they offer more discounts than Integrity Insurance
• Integrity offers more affordable premiums for policyholders who drive a short distance to work everyday

Chubb or Integrity: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might be considering Chubb or Integrity as potential options, but which one will save you the most?

Looking at the national average rates for both carriers, Integrity is quite a bit cheaper than Chubb, with rates averaging $81 a month compared to $291 with Chubb.

But that doesn't mean Integrity will necessarily be less expensive than Chubb for each driver. After all, car 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, at the end of the day, premiums from each company will differ quite a bit from person to person.

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

Chubb vs. Integrity: Average Car Insurance Rates by State

Chubb and Integrity only compete against each other in one states, with Integrity offering more affordable premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity prices are $420 less expensive than insurance rates at Chubb.

That being said, there are plenty of other factors that go into your auto insurance payment than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group on the road. It's typically because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of almost 70% less per month by choosing Integrity over Chubb.

However, both carriers will offer you dramatically lower prices by the time you turn 25. For example, average rates for Chubb policyholders decrease nearly 55% and Integrity's premiums drop over 65% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Chubb and Integrity specifically, which company is best for retired drivers? Integrity gets the edge, with premiums for drivers 65 and older $126 more affordable than the national average for Chubb.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are usually cheaper for married policyholders than they are for single policyholders? That's because policies for married drivers normally cover multiple vehicles, which lots of companies will give you a discount for.

For those who are single, the difference in average rates between these two carriers is significant, with Integrity premiums coming in at around a quarter of Chubb's. The advantage for married couples with Integrity is also obvious, where drivers save almost 75% a month.

Chubb or Integrity: Average Rates by Gender

Did you know men typically pay more for auto insurance than women? That's because women are less likely to get into collisions and get tickets, which lowers the chances of filing a claim with insurance.

Men generally pay about $10 per month more than women with Chubb, and around $8 more with Integrity.

Looking at the data for each carrier specifically, Integrity comes out as the most affordable option for both genders, with average prices 71% less for men and 73% cheaper for women.

Chubb vs. Integrity: 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 so many different coverages and terms that it can make it pretty confusing 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 their passengers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum liability limits, Integrity has the significant edge, with average monthly rates coming in at $38. If you want a full coverage policy with the same state minimum limits, Integrity again has the edge, with policies averaging about $124 a month to Chubb's $412.

Is Chubb or Integrity Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault collisions and speeding tickets lead to higher premiums, but which company -- Chubb or Integrity -- has the lowest prices for drivers with less-than-perfect 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 around 15% after getting a speeding ticket. Integrity policyholders can expect a bit more drastic of an increase of about 26%.

Even so, Integrity tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are 72% and 67% less expensive, respectively, compared to Chubb.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault collision with Chubb raising by around 23%. Integrity has a less extreme increase, but you can still expect to pay 25% more than you were prior to your first accident.

At the end of the day, drivers who use Integrity end up with the cheaper prices after an accident, with average premiums coming in at $84 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Chubb will raise your rates about 43% after a DUI, while Integrity's average prices increase by more than 30%.

But if you end up with a DUI charge and are looking for more affordable rates, Integrity tends to be cheaper for the average driver, with monthly premiums coming in at around $92 to Chubb's $389.

How does Credit Score Impact Chubb and Integrity Rates?

Did you know many auto insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it might come into play for quite a few 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 rates, while those with poor credit will usually be forced to pay more.

Looking specifically at Chubb and Integrity, which company has the most affordable prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Integrity will typically reward you the most. For policyholders with "excellent" credit scores, Integrity comes in over 60.37 more affordable. Drivers with "good" credit scores normally save about 62% with Integrity compared to average premiums from Chubb.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower prices than Chubb when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 64% per month less with Integrity compared to Chubb, and those with "poor" scores generally save an average of about 82% a month.

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

How much you drive can have a pretty big impact on your monthly premiums. Typically, the more milage you put on your car each year, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Integrity charges. However, there's a small difference in monthly rates for Chubb, with policyholders who drive 6,000 miles every year paying around $10 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Integrity is the cheaper carrier.

Chubb or Integrity: 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 sizable impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of vehicles that are on the roads where they live.

Integrity boasts the cheapest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Integrity Insurance's average premiums are about 77% less than Chubb. People who live in suburban areas pay around 70% less with Integrity compared to Chubb. Those in rural areas can expect to save about 67% with Integrity compared to Chubb.

Chubb vs. Integrity Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be challenging to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Chubb and Integrity offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Chubb has a slight advantage when it comes to total number of discounts. Integrity offers a grand total of 13 discounts, while Chubb has 15.

Both carriers offer several of the same discounts -- like anti-theft discounts, distant student discounts, and multi-policy discounts -- but Chubb also offers discounts for ABS, driver training, driver-vehicle combination, and more.

On the other hand, Integrity has a few proprietary discounts of their own for things like advance quote discounts, company car discounts, continuous insurance discounts, and more.

Final Thoughts: Is Chubb or Integrity Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, is Chubb or Integrity the right carrier for you, your vehicle, and your wallet?

Integrity might be best for you if....

• Your driving record includes a DUI charge.
• Your neighborhood is in a city.
• You've started working from home and don't have much of a commute.

Chubb might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between Chubb and Integrity and that you can now make a more informed 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 a handful of companies, not just Chubb and Integrity. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Chubb vs. Integrity FAQs

Is Chubb or Integrity cheaper?

Integrity is the more affordable of the two companies when looking at national average premiums, with policies averaging $81 a month with Integrity and $291 for Chubb. That being said, that doesn't mean Integrity will be the most affordable company for every driver, since there are several different factors that come into play when it comes to your insurance bill.

Who is better, Chubb or Integrity?

Sadly, the answer truly is "it depends.". No single carrier is necessarily "better" for each policyholder -- it all boils down to your unique car insurance profile.

Why do Chubb and Integrity offer me different rates?

Auto insurance carriers use many different variables when calculating the prices they charge. Things such as your driving record, where you park your car, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Chubb and Integrity calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the insurance carrier 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 does 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. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Chubb or Integrity 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.